Paycheck Calculator USA 2025

A paycheck is the amount you receive each pay period after your employer withholds federal income tax, state income tax, Social Security (FICA), and Medicare. Your take-home per paycheck depends on your annual gross salary, pay frequency (weekly, bi-weekly, or monthly), filing status, and state. This paycheck calculator USA applies 2024 IRS rules and state tax estimates to show your estimated net per pay period.

For annual take-home only, use our Net Salary Calculator USA or Take Home Pay Calculator USA. For hourly workers, convert first with our Hourly to Salary USA calculator, then enter the annual amount here.

Weekly = 52 pay periods per year. Bi-weekly = every two weeks (26 pay periods). Monthly = 12 pay periods. We calculate annual federal tax, FICA, and state tax on your full-year income, then divide the net by your number of pay periods so you see a realistic per-paycheck amount.

Many employers use bi-weekly pay; healthcare and some salaried roles use monthly. Use the dropdown to match your employer's schedule. For semi-monthly (24 pay periods), choose monthly and divide the monthly take-home by 2 for a rough per-paycheck estimate.

Federal tax uses 2024 brackets and standard deduction ($14,600 single / $29,200 married). FICA includes Social Security (6.2% up to $168,600) and Medicare (1.45% plus 0.9% additional Medicare tax on high earners). State tax varies by state—select yours for an estimate. To see federal tax alone, use our Federal Income Tax Calculator.

Actual paychecks can differ due to W-4 allowances, pre-tax 401(k) or health insurance, or bonus withholding. This tool assumes standard deduction and no pre-tax deductions.

This tool is for W-2 employees in the USA who are paid weekly, bi-weekly, or monthly and want to estimate take-home per paycheck. It is not for 1099 or self-employed income—use our 1099 Tax Calculator or W2 vs 1099 Calculator for contract pay.

Bi-weekly means you are paid every two weeks (26 paychecks per year). Semi-monthly means you are paid twice a month (24 paychecks per year). We support bi-weekly and monthly; for semi-monthly, use monthly and divide the monthly take-home by 2 to approximate each paycheck.

States with no income tax (e.g. Texas, Florida, Washington) show $0 state tax, so your per-paycheck take-home is higher. States with flat or progressive income tax will reduce each paycheck. Use our State Tax Calculator USA for state-only estimates, or Salary by State Calculator to compare the same salary across states.