No. This is a simplified educational tool. It does not consider itemized deductions, credits, retirement contributions, local taxes, or many edge cases. For a precise figure, consult the IRS Tax Withholding Estimator or a licensed tax professional.

Why does my actual paycheck look different?

Real paychecks include 401(k), HSA, health insurance premiums, pre-tax transit, and various withholdings configured on your W-4. Those reduce taxable income before federal and state taxes are computed.

Why is the calculation per year, not per paycheck?

Annual basis avoids paycheck-frequency artifacts. We then divide by 12 (monthly) and 26 (biweekly) to show period equivalents.

Are local taxes included?

No. Cities like New York, San Francisco, Philadelphia, and Detroit add a local income tax that this calculator does not model.

Calculator · INTERACTIVE

Take-home pay calculator

Estimate federal, state, and FICA withholding on a US salary, 2024 tax year.

100% client-side. We never send your inputs to a server.

Important — read first

This is a simplified estimate, not tax advice. It does not account for itemized deductions, tax credits (EITC, child tax credit), 401(k) or HSA contributions, local taxes (NYC, San Francisco, Philadelphia), AMT, or any nonstandard situations. For an accurate figure use the IRS Tax Withholding Estimator or consult a licensed tax professional.

Annual gross salary

State

Filing status

Take-home pay

$63,897

Effective tax rate

24.8%

Monthly take-home

$5,325

Biweekly take-home

$2,458

Federal income tax

$10,541

Social Security

$5,270

Medicare

$1,233

CA state tax

$4,059

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Methodology

How it works

We compute four components separately:

Federal income tax using IRS 2024 progressive brackets and the standard deduction for your filing status.
Social Security at 6.2% on the first $168,600 of wages.
Medicare at 1.45% of all wages, plus an additional 0.9% over $200,000 (single) or $250,000 (married joint).
State income tax using each state's published 2024 brackets or flat rate. Nine states have no income tax.

All calculation runs in your browser. No values are sent to our servers.

FAQ

Frequently asked questions

Is this tax advice?: No. This is a simplified educational tool. It does not consider itemized deductions, credits, retirement contributions, local taxes, or many edge cases. For a precise figure, consult the IRS Tax Withholding Estimator or a licensed tax professional.
Why does my actual paycheck look different?: Real paychecks include 401(k), HSA, health insurance premiums, pre-tax transit, and various withholdings configured on your W-4. Those reduce taxable income before federal and state taxes are computed.
Why is the calculation per year, not per paycheck?: Annual basis avoids paycheck-frequency artifacts. We then divide by 12 (monthly) and 26 (biweekly) to show period equivalents.
Are local taxes included?: No. Cities like New York, San Francisco, Philadelphia, and Detroit add a local income tax that this calculator does not model.

Disclaimer

This calculator is a simplified educational estimate, not tax advice. It does not include itemized deductions, tax credits, retirement contributions, local taxes, AMT, or many situations. For accurate figures use the IRS Tax Withholding Estimator or consult a licensed tax professional.