💵 Paycheck & Take-Home Pay Calculator
Instantly calculate your exact US net take-home pay after federal income tax, state income tax, Social Security, Medicare, and pre-tax deductions — 2024 tax tables.
2024 Federal Tax Brackets
All 50 US States
Hourly & Salary
100% Private — No Data Stored
Real-Time Calculation
Paycheck Details
Pay Type
Pre-Tax Deductions
Your Paycheck Breakdown
Estimated Net Take-Home Pay
$0.00
per paycheck
Earnings
Gross Pay (per period)$0.00
Annual Gross Salary$0.00
Pre-Tax Deductions
401(k) / Retirement-$0.00
Health Insurance-$0.00
Other Pre-Tax-$0.00
Federal Taxable Income$0.00
Federal & Payroll Taxes
Federal Income Tax-$0.00
Social Security (6.2%)-$0.00
Medicare (1.45%)-$0.00
State Income Tax-$0.00
Totals
Total Deductions-$0.00
Net Take-Home Pay
$0.00
How to Use the US Paycheck Calculator
This free paycheck calculator helps US workers — both hourly employees and salaried professionals — calculate their exact net take-home pay after all mandatory deductions using 2024 federal income tax brackets and all 50 US state income tax rates.
📌 What taxes come out of my paycheck?
Your paycheck deductions include: Federal income tax (10%–37% brackets), Social Security (6.2% on wages up to $168,600), Medicare (1.45%), and your state income tax. Pre-tax 401(k) and health insurance premiums reduce your taxable income.
📌 What is FICA tax?
FICA stands for Federal Insurance Contributions Act. It includes Social Security tax (6.2%) and Medicare tax (1.45%), totaling 7.65% of your gross wages per paycheck. Your employer also pays a matching 7.65%.
📌 How does a 401(k) reduce my taxes?
Traditional 401(k) contributions are made pre-tax, which reduces your federally taxable income. For example, contributing 6% on a $75,000 salary saves approximately $990/yr in federal tax (22% bracket). The 2024 contribution limit is $23,000.
📌 Which states have no income tax?
Nine states have no state income tax: Texas, Florida, Nevada, Washington, Wyoming, South Dakota, Alaska, and (on wages only) New Hampshire and Tennessee. If you live in these states, your take-home pay is significantly higher.
📌 Is this calculator accurate for 2024?
Yes — this tool uses 2024 IRS federal income tax brackets (adjusted for inflation), current FICA rates, and the latest known state income tax rates. Results are estimates based on standard withholding and may vary from your actual paycheck depending on W-4 elections and local taxes.
📌 What's the difference between gross and net pay?
Gross pay is your total earnings before any deductions (salary or hourly × hours). Net pay (take-home pay) is what's deposited into your account after federal tax, FICA, state tax, and any pre-tax benefit deductions are subtracted.
2024 US Federal Income Tax Brackets
For Single filers: 10% on income up to $11,600 · 12% up to $47,150 · 22% up to $100,525 · 24% up to $191,950 · 32% up to $243,725 · 35% up to $609,350 · 37% over $609,350. The standard deduction for 2024 is $14,600 (Single) and $29,200 (Married Filing Jointly).