Free paycheck calculator for US workers. Enter gross pay and frequency, select filing status, add state tax rate and pre-tax deductions (401k, health insurance). See net pay with detailed breakdown of federal tax, FICA, state tax, and deductions. Includes annual projection.
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Start with gross pay, subtract federal income tax (based on brackets), FICA (7.65%), state tax, and pre-tax deductions like 401k and health insurance.
For most workers, about 22-35% goes to taxes (federal + FICA + state). Your effective rate depends on income and filing status.
401k contributions are pre-tax, reducing your taxable income. A $200/paycheck 401k contribution saves you roughly $50-70 in taxes.
The Paycheck Calculator is a free online tool that lets you calculate take-home pay with federal tax, fica, state tax, and deductions. It is part of NexTool's collection of free tools designed to help you work faster and more efficiently.
Using the Paycheck Calculator is simple: visit the tool page, enter your data or input into the provided fields, and get instant results. No downloads, installations, or sign-ups are required. The tool runs directly in your web browser for maximum convenience.
Yes, the Paycheck Calculator is 100% free to use with no limitations. There is no registration required, no daily usage caps, and no hidden fees. You can use it as many times as you need.
The Paycheck Calculator uses industry-standard formulas and algorithms to deliver reliable results. While the tool is designed for accuracy, results should be used as estimates and guidance. For critical decisions, always consult a qualified professional.
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Free paycheck calculator for US workers. Enter gross pay and frequency, select filing status, add state tax rate and pre-tax deductions (401k, health insurance). See net pay with detailed breakdown of federal tax, FICA, state tax, and deductions. Includes annual projection.
NexTool's Paycheck Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.
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Varies by state (0% in TX, FL, WA — up to 13.3% in CA)
Per paycheck (pre-tax)
HSA, FSA, transit, etc. (per paycheck)
Take-Home Pay (Bi-Weekly)
$3,321.37
Annual Net
$86,356
Hourly (Net)
$41.52/hr
Net %
66.4%
| Item | Per Paycheck | Annual |
|---|---|---|
| Gross Pay | $5,000.00 | $130,000 |
Federal Income Tax | -$713.63 | -$18,555 |
State Income Tax | -$232.50 | -$6,045 |
Social Security (6.2%) | -$310.00 | -$8,060 |
Medicare (1.45%) | -$72.50 | -$1,885 |
401(k) Contribution | -$200.00 | -$5,200 |
Health Insurance | -$150.00 | -$3,900 |
| Total Deductions | -$1,678.63 | -$43,645 |
| Net (Take-Home) Pay | $3,321.37 | $86,356 |
Marginal Rate
24%
Effective Fed.
14.3%
Total Tax Rate
26.6%
Hourly (Gross)
$62.50
Gross Income
$130,000
Federal Tax
$18,555
State Tax
$6,045
FICA (SS + Med)
$9,945
Pre-Tax Deductions
$9,100
Net Take-Home
$86,356
Disclaimer: This calculator provides estimates based on 2024 US federal tax brackets and standard deductions. It does not account for tax credits, itemized deductions, additional income sources, or local taxes. Consult a qualified tax professional for accurate tax advice.