Paycheck Withholding Calculator

Estimate your take-home pay per paycheck after federal, state, and FICA-style withholding.

Total Withholding-
Net Take-Home Pay-
Effective Withholding Rate-
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Understanding Paycheck Withholding

Every paycheck typically has federal income tax, state income tax (where applicable), and FICA taxes (Social Security and Medicare) withheld before you receive your net pay.

Formula

Net Pay = Gross Pay - (Gross Pay × (Federal % + State % + FICA %))

How to Use This Calculator

Example

A $2,000 gross paycheck with 12% federal, 4% state, and 7.65% FICA withholding nets about $1,527 in take-home pay.

This is a simplified estimate for planning purposes, not tax advice - actual withholding depends on your W-4 elections and tax brackets.

Frequently Asked Questions

How is paycheck withholding estimated?

By applying estimated tax brackets and deductions to gross pay.

Why might actual withholding differ?

Your employer's exact withholding depends on your specific tax form and payroll system.

What if too much or too little is withheld?

Over-withholding results in a refund; under-withholding can mean owing tax at filing time.

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