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Formula and sources reviewed2026 paycheck planning estimateReviewed 24 October 2026

🇺🇸 United States Paycheck Calculator

Estimate weekly, biweekly, semi-monthly, monthly or custom paycheck take-home pay after federal Income Tax, FICA, deductions, benefits and optional state/local adjustments.

Advanced salary estimate

Estimate salary after taxes

More options: state, extras, benefits, paycheck and withholding+
Advanced payroll planning view: gross-to-net, net-to-gross, standard or itemized deduction, 401(k)-style federal pre-tax deductions, FICA-exempt benefit deductions, taxable benefits, extra withholding, state estimate and custom paycheck frequency.

Taxable pay view

Taxable compensation: $0

FICA wages: $0

Federal deduction

Deduction used: $16,100

Mode: Standard

What a raise changes

+$5k gross annual net: $4,617.50

Monthly difference: $384.79

Monthly take-home by state estimate

Current setup · 0%$0.00
No state income tax · 0%$0.00
Pennsylvania · 3.07%$0.00
Illinois · 4.95%$0.00
New York estimate · 5.7%$0.00
California estimate · 6.2%$0.00

Planning estimate using 2026 federal brackets, standard or itemized deductions and employee FICA. Actual paychecks can differ because of Form W-4, payroll rounding, benefits, local taxes, state-specific rules and employer withholding methods.

monthly take-home estimate

$0.00

Annual take-home$0.00
Cash gross pay$0.00
Federal taxable income$0.00
Federal Income Tax−$0.00
Employee FICA−$0.00
State/local estimate−$0.00
Total deductions−$0.00
Tax / net rate0.0% / 0.0%

Methodology

How this calculator works

This paycheck calculator uses the same advanced payroll engine as the US salary calculator, but the page is organized around paycheck budgeting. It starts with annualized cash compensation, then separates federal pre-tax deductions, FICA-exempt benefit deductions, post-tax deductions, extra withholding and taxable benefits. Federal taxable income is estimated after the selected standard or itemized deduction. Social Security and Medicare are calculated from covered FICA wages, and the annual net result is converted into monthly, semi-monthly, biweekly, weekly or custom paycheck amounts.

Worked example

Reading the result

A worker paid biweekly can enter annual salary, bonus, 401(k)-style deductions, HSA or Section 125 deductions, post-tax deductions, extra withholding and a state estimate. The result shows take-home by paycheck period, annual net pay, federal Income Tax, FICA, total deductions and the taxable wage bases behind the estimate.

Common questions

Frequently asked questions

Is this an exact paycheck withholding calculator?+

No. It estimates annual tax and converts the result into paycheck periods. Actual employer withholding depends on Form W-4, payroll tables, pay date timing, benefit setup and state or local rules.

Can I calculate biweekly take-home pay?+

Yes. Choose biweekly in the result period selector. You can also use weekly, semi-monthly, monthly, annual or a custom number of paychecks per year.

Does it include Social Security and Medicare?+

Yes. Employee FICA is estimated separately from federal Income Tax because Social Security and Medicare use different wage bases and rules.

Can I include 401(k), HSA or health insurance deductions?+

Yes. The calculator separates federal pre-tax deductions from FICA-exempt benefit deductions so users can model common 401(k), HSA and Section 125-style situations more transparently.

Does it include state tax?+

You can use quick state/local planning presets or enter a manual percentage. Exact state paycheck engines should be built separately for states with complex withholding rules.

Why is net-to-gross included?+

Net-to-gross helps estimate what gross annual salary may be needed to reach a target take-home amount under the selected paycheck and deduction assumptions.

Sources and review

Primary reference: IRS Publication 15 — employer tax guide. Rules reviewed 24 October 2026.

Rule period: Current published rules within the page’s stated period and scope

Next scheduled review: 15 December 2026

The implemented rates, thresholds, displayed scope and representative boundary behaviour were reviewed against the primary source linked on the page.

View official source IRS Publication 505 — withholding and estimated tax

Important scope

Paycheck planning estimate only. It is not an employer payroll system and does not replace Form W-4 withholding, exact state withholding tables, local taxes, garnishments, paid-leave taxes, employer benefit setup, payroll rounding or tax-return preparation. This calculator provides a planning estimate, not personal financial or tax advice.

Read the guide: How the US paycheck calculator works →Explore all United States calculators →