The payroll tax for Social Security (6.2%) and Medicare (1.45%) — 7.65% of wages on the employee side, applied here automatically.

What are pre-tax deductions?

Contributions like 401(k) and HSA that come out before income tax is calculated, lowering your taxable income and your tax.

Paycheck Calculator

Estimate your take-home pay after taxes and deductions.

UPDATED · MAY 2026

Gross annual salary

Pay frequency

Federal rate

effectiveState rate

Pre-tax deductions

401k / HSA, annual

Net pay per month

$7,535

NET / YEAR$90,420

TAX / YEAR$29,580

Per month

$7,535

Net annual

$90,420

Total tax

$29,580

How to use the Paycheck Calculator

01
Enter gross salary. Your annual pay before deductions.
02
Choose pay frequency. Monthly, semi-monthly, bi-weekly, or weekly.
03
Set tax rates and deductions. Effective federal and state rates, plus any pre-tax deductions.

How is it calculated?

This is a simplified estimate. We subtract pre-tax deductions, apply your effective federal and state rates to the taxable amount, add FICA (7.65% for Social Security and Medicare), and divide the resulting net annual pay by your number of pay periods to get take-home per paycheck.

Frequently asked

The questions readers ask most about the paycheck calculator.

It uses flat effective tax rates rather than full progressive brackets, and doesn't model every credit or local tax. For bracket-accurate federal tax, use the Income Tax calculator.

LEARNHow income tax works: brackets, effective vs marginal

How to use the Paycheck Calculator

How is it calculated?

Frequently asked

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