Calculate net paycheck after federal, state, FICA taxes, and other deductions.
Estimated annual net: $0
FICA shown at the standard 7.65% rate (6.2% Social Security + 1.45% Medicare).
How it works
Net pay is what actually lands in the account after payroll tax, income tax withholding, and whatever else the employer takes out. This works per pay period rather than annually, which matters because the number people budget against is the cheque, and then multiplies by the number of periods to project an annual figure.
FICA = Gross × 7.65% (Social Security 6.20% + Medicare 1.45%) Federal withholding = Gross × Federal rate State withholding = Gross × State rate Net pay = Gross − FICA − Federal − State − Other deductions Annual net = Net pay × Periods per year (52 weekly, 26 biweekly, 24 semi-monthly, 12 monthly)
Grosspay for the period before any deductionFICAthe employee half of Social Security and Medicare; the employer pays a matching 7.65%Other deductionshealth premiums, retirement contributions, garnishments, union dues
- FICA: 5,000 × 0.0765 = 382.50
- Federal: 5,000 × 0.12 = 600.00
- State: 5,000 × 0.05 = 250.00
- Net: 5,000 − 382.50 − 600 − 250 − 200 = 3,567.50
- Annual: 3,567.50 × 26 = 92,755
- The 7.65% rate is statutory and stable, but Social Security stops at an annual wage base ($176,100 for 2025, raised most years) while Medicare has no cap. High earners see their take-home jump partway through the year when the Social Security portion switches off, then a 0.9% Additional Medicare surtax begins above $200,000 of wages. That surtax threshold is written into statute and has never been indexed.
- Enter your effective federal rate, not your bracket. Someone in the 22% bracket typically pays an effective federal rate near 12% to 14% once the standard deduction and lower brackets are counted, and using 22% here will understate net pay badly.
- Deduction order changes the answer. Section 125 health premiums come out before both income tax and FICA; traditional 401(k) contributions reduce income tax but not FICA; Roth contributions reduce neither. A flat percentage on gross cannot capture that, so treat this as an estimate rather than a payroll register.
- A biweekly year usually holds 26 pay dates but occasionally 27, which shifts per-cheque amounts and trips up annual projections built by simple multiplication.
- Nine states levy no wage income tax, and several cities including New York add a local tax on top. Set the state rate to zero or add the local rate into it accordingly.
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Salary Paycheck Calc uses the standard formula for this kind of calculation, so the output is only as good as the figures you type in. Rates, fees, and rules in finance shift over time, and we review the underlying assumptions on a regular schedule; check the "Last reviewed" date above for the most recent pass. Spotted something off? There's a feedback button in the bottom-right corner.
Treat the output of Salary Paycheck Calc as a starting point, not final advice. Tax filings, loan approvals, insurance claims, property deals, and legal matters all depend on details a calculator cannot see: your full financial picture, local rules, and the specifics of your paperwork. Run the numbers here, then confirm anything consequential with an accountant, lawyer, or licensed advisor.