What is FICA and how much is deducted?

FICA stands for Federal Insurance Contributions Act. It includes Social Security tax (6.2% on wages up to $168,600) and Medicare tax (1.45% on all wages, plus an additional 0.9% on wages over $200,000). Your employer pays a matching amount.

What is the difference between gross pay and net pay?

Gross pay is your total earnings before any deductions. Net pay (take-home pay) is what you actually receive after federal tax, state tax, FICA, and any pre-tax deductions like 401(k) contributions are subtracted.

How do pre-tax deductions like 401(k) save me money?

Pre-tax deductions reduce your taxable income before federal and state taxes are calculated. For example, contributing $10,000 to a 401(k) means you pay income tax on $10,000 less, potentially saving you $2,200-$3,700 in taxes depending on your bracket.

Which states have no income tax?

Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents of these states keep more of their paycheck since only federal taxes and FICA apply.

Paycheck Calculator

Estimate your take-home pay after federal and state taxes

Finance & BusinessFREEYour data never leaves your browser

Paycheck Calculator is a free, browser-based tool that lets you estimate your take-home pay after federal and state taxes — with zero signup, zero installation. Your data never leaves your browser. Part of 92+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.

Your Pay Details

Pay Type

Annual Salary ($)

$75,000.00 per year

Pay Frequency

Filing Status

State

Your Take-Home Pay

Enter your salary or hourly rate to see results

How to Use

1

Enter your annual salary or hourly rate

2

Select your pay frequency — weekly, bi-weekly, semi-monthly, or monthly

3

Choose your filing status and state of residence

4

Optionally add pre-tax deductions like 401(k) and health insurance

5

See your take-home pay breakdown instantly per pay period and annually

Frequently Asked Questions

This calculator uses projected 2026 federal tax brackets and simplified state tax rates for all 50 states plus D.C. It provides a close estimate for planning purposes. Actual paycheck amounts may vary based on local taxes, additional deductions, and employer-specific withholding.

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Paycheck Calculator

Your Pay Details

Your Take-Home Pay

How to Use

Frequently Asked Questions

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Paycheck Calculator

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