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How it works
Formula & explanation
Take Home Paycheck Calculator uses the following calculation:
NetPay = GrossPay − FederalTax − FICA − StateTax
This is a simplified model intended for planning and education. Real-world offers from lenders, institutions, or tax authorities may include additional fees, rules, or adjustments not reflected here.
FAQ
Frequently asked questions
What is FICA?
It's the combined Social Security (6.2%) and Medicare (1.45%) payroll tax withheld from most employees' paychecks.
Why is state tax a flat rate here?
State tax systems vary widely — some are flat, some progressive, and some states have no income tax — so this uses a simplified flat-rate estimate.
Does this include pre-tax deductions like 401(k) contributions?
No — this estimate is based on gross pay; pre-tax deductions would reduce your taxable income and change the result.
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