Financial

Take-Home Paycheck Calculator

Estimate your net paycheck after federal, state, FICA, and 401(k) deductions.

Inputs

Annual gross salary$

Pay frequency

Filing status

401(k) contribution%

State income tax%

Result

Per paycheck (biweekly)

$2,142.23

How it's calculated

Net = Gross − 401(k) − FederalTax(taxable) − FICA − StateTax; taxable = Gross − 401(k) − StandardDeduction

$75k gross, single, 5% 401(k), 5% state: taxable ≈ $56,250; net ≈ $56k/yr ≈ $2,150 bi-weekly.

Which tax year is this?

Uses 2025 IRS brackets, standard deductions, and the $176,100 Social Security wage base — a close approximation for 2026 until final numbers publish.

Does it include health insurance or HSA?

No — those vary by employer. Subtract them from your gross before entering it, or fold them into the 401(k) percentage as a rough proxy.

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