USA Paycheck Calculator
Calculate your net paycheck after accounting for federal taxes, state taxes, Social Security, and Medicare.
Paycheck Details
Paycheck Frequency Estimates
Deductions Breakdown
How US Paycheck Deductions Work
Your gross pay is reduced by several mandatory withholdings before it reaches your bank account. Pre-tax deductions such as 401(k) contributions and health insurance premiums are removed first, lowering your federal taxable income. The remaining amount is then subject to the following taxes:
- Federal income tax: progressive brackets from 10% to 37%, based on your filing status (single, married, or head of household).
- Social Security: 6.2% of wages up to the annual wage base limit.
- Medicare: 1.45% of all wages, plus an additional 0.9% on earnings above $200,000.
- State income tax: ranges from 0% in states like Texas, Florida, and Washington to over 13% for California's top bracket.
Tip: relocating to a no-income-tax state can meaningfully increase net pay for the same salary, though cost of living and property taxes should also be factored in.
Frequently Asked Questions
How much tax is deducted from a US paycheck?
Typical deductions include federal income tax (progressive brackets from 10% to 37%), Social Security at 6.2%, Medicare at 1.45%, and state income tax where applicable. Combined, most salaried workers see roughly 20-35% of gross pay withheld, depending on income, filing status, and state.
Which US states have no state income tax?
Nine states levy no state income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Living in these states means your paycheck is reduced only by federal taxes and FICA.
What is FICA on my paycheck?
FICA (Federal Insurance Contributions Act) covers Social Security (6.2% of wages up to the annual wage base limit) and Medicare (1.45% of all wages, plus an additional 0.9% on earnings above $200,000). Your employer matches these contributions on your behalf.
How many paychecks do I get with biweekly pay?
Biweekly pay means 26 paychecks per year (every two weeks), while semimonthly pay means 24 paychecks (twice a month). This is why biweekly paycheck amounts are slightly smaller than semimonthly amounts for the same annual salary.