Paycheck Calculator

Enter your annual salary, how often you are paid and your filing status. Optional pre-tax deductions (401(k), HSA, traditional IRA) come off before federal tax.

• Biweekly — 26 checks a year, the most common US payroll cycle.
• Semi-monthly — 24 checks a year, typically the 15th and last day.
• FICA — Social Security 6.2% up to the wage base, plus Medicare 1.45% on all wages.

A single filer earning $65,000 in 2025, paid biweekly, with no pre-tax deductions:

• Federal income tax ≈ $5,921 after the $15,000 standard deduction.
• FICA = 6.2% + 1.45% = 7.65% × $65,000 ≈ $4,973.
• Annual take-home ≈ $65,000 − $5,921 − $4,973 = $54,106.
• Each of 26 paychecks ≈ $2,081.

• Net pay per paycheck — what typically hits your bank after federal tax and FICA.
• Federal income tax — 2025 brackets with the standard deduction for your filing status.
• FICA — employee share of Social Security and Medicare; the employer pays a matching amount.
• Annual take-home — net pay across the whole year, before state tax and benefits.

• IRS — Federal income tax rates and brackets
• SSA — Contribution and Benefit Base