Net Pay Calculator
Estimate your take-home pay after federal & state taxes, FICA, and deductions.
📐 How We Calculate — Learn about our calculation methodology, data sources, and quality standards.
Frequently Asked Questions
What percentage of my paycheck goes to taxes?
Most Americans see 25-35% total withholding: federal income tax (10-37%), Social Security (6.2%), Medicare (1.45%), and state tax (0-13%).
Gross pay vs. net pay?
Gross is total earnings before deductions. Net is what hits your bank account after taxes, FICA, insurance, and retirement contributions.
Why is my first paycheck smaller than expected?
FICA (7.65%), federal/state taxes, health insurance, and 401(k) contributions. A $65K salary might yield ~$48K in actual take-home.