Skip to the calculator
SwiftSums
Finance & business

US Paycheck Calculator. After every deduction.

Federal tax, Social Security, Medicare and your own state rate — itemised, so you can see which line is taking what rather than just the figure at the bottom.

Outside the US? Switch to the Australian paycheck calculator — the tax systems differ enough that one page cannot cover both accurately.
Live calculation

What actually lands?

$ /biweekly
Pay frequency
Filing status
% There is no single national rate — enter your own state's, or leave it at 0 if your state has none (Texas, Florida, Washington and six others).
Tax year 2026 throughout — federal brackets, the $16,100 / $32,200 standard deduction and the $184,500 Social Security wage base. Pre-tax deductions like a 401(k) or health premiums are not modelled, so a real paystub will usually come in a little higher.
Take-home pay (biweekly) —
Gross per period
—
Effective tax rate
—
Federal tax
—
Social Security (6.2%)
—
Medicare (1.45%)
—
State tax
—

Your figures are kept on this device only.

How it works

Your pay is annualized first, run through the current federal tax brackets after the standard deduction, then Social Security, Medicare and your state rate are applied on top. The result is divided back down to your chosen pay frequency. Figures are tax year 2026: the federal brackets, the standard deduction ($16,100 single, $32,200 married filing jointly) and the $184,500 Social Security wage base. All are adjusted annually, so treat this as a close estimate rather than an exact paycheck figure.

taxable income = annual gross − standard deduction
federal tax = progressive brackets applied to taxable income
Social Security = min(annual gross, wage base) × 6.2%
Medicare = annual gross × 1.45%
net pay = annual gross − federal tax − Social Security − Medicare − state tax

This is a simplified model, not a substitute for a real paystub: it uses only two filing statuses, a single flat state-tax rate you supply instead of full state brackets, and does not account for pre-tax deductions like 401(k) contributions or health premiums, which would lower the taxable amount further. Treat it as a reasonable estimate, not tax advice — a tax professional can account for your specific situation.

Worked example

$75,000 a year, single, no state income tax, paid biweekly.

Step by step
  1. Taxable income: $75,000 − $16,100 standard deduction = $58,900.
  2. Federal tax across the 10/12/22% brackets: $7,670.
  3. Social Security: $75,000 × 6.2% = $4,650. Medicare: $75,000 × 1.45% = $1,088.
  4. Net annual pay: $75,000 − $7,670 − $4,650 − $1,088 = $61,592.

That is about $2,369 take-home per biweekly paycheck, an effective tax rate of roughly 17.9%.

Common questions

Why isn't my state's tax built in?

There is no single US state tax rate — it ranges from 0% in nine states to over 13% at the top end in others, and most states have their own bracket structure on top of that. Rather than approximate all fifty separately, this calculator asks for your rate directly so the result reflects your actual state.

Why is my real paycheck different from this estimate?

Real payroll also accounts for pre-tax deductions (401(k), health insurance, HSA), your actual W-4 withholding elections, and — above certain income levels — the additional 0.9% Medicare surtax. All of those change the number without changing the underlying tax law, which is what this calculator focuses on.

Does Social Security really stop at a certain income?

Yes — the 6.2% only applies up to the annual wage base ($184,500 for 2026). Income above that is not subject to Social Security tax, which is why very high earners often see their take-home percentage tick up slightly at the top of their income.