Take-Home-Paycheck Calculator

Take-Home Paycheck Calculator 2025

Disclaimer: This is a simplified estimator based on approximate 2025 US federal tax brackets, FICA, and W-4 withholding rules. It assumes no additional credits/phase-outs and uses flat state/city rates. Actual withholding may vary based on employer payroll systems. For W-4 help, this estimates Steps 2-4. Consult IRS.gov or a tax professional for precise advice.

Your Job Income (Salary)

Pay Frequency

Filing Status

Number of Children Under Age 17

Number of Other Dependents

Other Income (not from jobs) $/year Interest, dividends, retirement income, etc.

Pretax Deductions Withheld? $/year 401k, health insurance, HSA, etc.

Deductions Not Withheld? $/year IRA, student loan interest, etc.

Itemized Deductions? $/year Mortgage interest, charitable donations, state/local/sales/property taxes, etc.

Has 2nd, 3rd Job Income? (Increases withholding)

State Income Tax Rate (%) click here to find out

City Income Tax Rate (%)

Are you self-employed or an independent contractor? (Adds SE tax)

Gross Pay per Paycheck

Annual salary divided by pay periods

Pretax Deductions per Paycheck

401k, health, etc. (prorated)

Federal Income Tax Withholding per Paycheck

Based on W-4 and 2025 brackets

FICA Taxes per Paycheck

Social Security (6.2%) + Medicare (1.45%)

State + City Tax per Paycheck

Flat rates applied

Self-Employment Tax per Paycheck (if applicable)

15.3% on net earnings (if self-employed)

Estimated Take-Home Pay per Paycheck

After all deductions

W-4 Guidance: Use these estimates for Steps 3 (dependents: $2,000/child + $500/other) and 4 (other income/deductions). Step 2 for multiple jobs. Adjust if itemizing exceeds standard deduction (~$15,000 single).