US Paycheck Take-Home Calculator (Federal + FICA + State)
Estimate take-home after simplified federal brackets, FICA, and a flat state tax rate you choose.
Not financial, tax, or lending advice. Confirm terms with your provider.
Est. take-home / paycheck
$2,481
Gross / check ≈ $3,542 · Net annual ≈ $59,554
Federal (est.): $8,994
State (flat): $3,950
Social Security: $5,270
Medicare: $1,233
Effective tax drag
22.9%
Taxes ÷ gross (excludes pre-tax deferrals as tax)
Simplified brackets and flat state rate — not IRS Publication 15-T withholding. Local income taxes, NIIT, additional Medicare, and credits not modeled. Educational only.
Why paychecks surprise people
Gross salary is not spendable cash. Federal, FICA, and state withholding stack before you see a deposit.
Pre-tax 401(k)/HSA contributions change taxable wages — enter them explicitly.
State tax is not one number
Some states have no wage income tax; others use brackets or local add-ons. Use a flat rate only as a scenario knob.
Pair this tool with your state page (CA, TX, FL, NY, IL) for context — then verify with payroll docs.
Limitations (read before sharing numbers)
This is not IRS Publication 15-T withholding, not a W-4 optimizer, and not tax advice.
Credits, NIIT, additional Medicare, city taxes, and multi-state reciprocity are out of scope.
Frequently Asked Questions
Will this match my stub exactly?
Unlikely. Employers use IRS tables, benefits, and garnishments this model skips.
What state rate should I enter for Texas or Florida?
Often 0% for wage income — still confirm local rules.
Is FeeFriction a tax preparer?
No. Educational estimator only.