Paycheck Calculator (After-Tax)

Estimate your take-home pay. Adjust tax rates and toggles for how pre-tax benefits affect FICA. Numbers are estimates, not tax advice.

Pay & Frequency

Pay type

Pay frequency

Annual salary ($)

Annual bonus (optional)

401(k) (% of gross)

401(k) reduces federal/state income taxes but usually not FICA. You can toggle that below.

HSA per period ($)

Section 125 (health/dental/vision) per period ($)

Other pre-tax per period ($)

Treat 401(k) as reducing FICA?

Treat HSA/Section 125 as reducing FICA?

Filing status

Federal income tax rate (%)

Flat estimate for withholding. Adjust to your situation.

State tax rate (%)

Local tax rate (%)

YTD wages subject to Social Security

Social Security wage base (annual)

Edit if your current year cap is different.

YTD wages for Medicare

Additional Medicare threshold

We’ll auto-pick based on status; you can override.

Post-tax deductions per period ($)

Other withholdings per period ($)

All calculations run in your browser.

Item	Amount
Net pay	$0

Item	Amount

Federal, state, and local are flat rates here so you can tune them. For precise IRS withholding, use your W-4 and current IRS tables.