Free Tool · Tax Year 2025

Paycheck Calculator

Estimate your take-home pay after federal, state, and FICA taxes. Enter your salary, pay frequency, state, and filing status below.

This is an ESTIMATE, not a paycheck guarantee. It uses simplified 2025 federal tax brackets, standard FICA rates, and an approximate state tax rate. It does not account for dependents, credits, pre-tax deductions (401(k), health insurance), or local taxes. See the assumptions below.

Want your gross-pay breakdown instead? Try the Salary Calculator.

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How this estimate works

Full transparency on every assumption baked into this calculator:

Federal income tax

2025 IRS marginal brackets (10% – 37%) applied to your income after the 2025 standard deduction ($15,750 single / $31,500 married filing jointly / $23,625 head of household). No credits, dependents, or itemized deductions.

FICA (Social Security & Medicare)

6.2% Social Security up to the 2025 wage base of $176,100, plus 1.45% Medicare on all wages, plus 0.9% Additional Medicare Tax above $200,000 ($250,000 married filing jointly).

State income tax

A simplified flat-rate approximation per state — not your state's real bracket structure, standard deduction, or local/city taxes. The 9 states with no wage income tax show $0.

What's not included

Pre-tax deductions (401(k), HSA, health insurance), tax credits (Child Tax Credit, EITC), local/city income taxes, and self-employment tax.

Bottom line: this is an estimate for informational purposes only. It is not tax advice and does not guarantee accuracy. Consult a licensed tax professional or your employer's payroll department for exact figures. Full methodology on our Methodology page.

Questions

Frequently asked questions

Is this calculator accurate?

It's a simplified estimate using 2025 federal tax brackets, the standard deduction, and real FICA rates — but it doesn't account for dependents, tax credits, pre-tax deductions (401(k), HSA, health insurance), or exact local taxes. Your real paycheck will differ. Use it for planning, not for filing.

Why is my state tax just one number?

Modeling every state's exact bracket structure, standard deduction, and local taxes is beyond what a simplified free tool can do reliably. We use one approximate flat rate per state, clearly noted under your results, so you get a directional estimate rather than a false sense of precision.

Does this include 401(k) or health insurance deductions?

Not in this version. Those pre-tax deductions would lower your taxable income and are planned for a future update.

What tax year does this use?

Tax year 2025 (the return most people file in early 2026): 2025 IRS brackets, the 2025 standard deduction, and the 2025 Social Security wage base.

Where can I get an exact number?

Your pay stub, your employer's payroll provider, the IRS Tax Withholding Estimator, or a licensed tax professional will always be more accurate than any free online calculator.

Not tax advice: This tool is for informational and educational purposes only and does not constitute tax, legal, or financial advice. US Salary Tools is not affiliated with the IRS or any government agency. Read our full Disclaimer.