See Your Real Take-Home Pay
After All Taxes

Free paycheck calculator for all 50 US states — updated for 2025 federal and state tax brackets.

Your Details
$
⚠️ Estimates based on 2025 tax tables and the standard deduction. Actual withholding varies by W-4, pre-tax benefits, and local taxes. Not financial or tax advice — see our Disclaimer.

Enter your salary and
state, then click Calculate.

Your Paycheck Breakdown
Take-home per paycheck
$0
bi-weekly
Gross salary$0
Federal income tax−$0
Social Security (6.2%)−$0
Medicare (1.45%)−$0
State income tax−$0
Total deductions−$0
Annual take-home$0
Effective total tax rate 0.0%
Take-home
Federal tax
State tax
FICA

How Your Paycheck Is Calculated

Your take-home pay is what remains after four main deduction types are subtracted from your gross salary. WageMath calculates each using the official 2025 IRS tax tables and your state's rate.

1. Federal Income Tax — Uses progressive tax brackets. Only the portion above each bracket threshold is taxed at that rate. Your filing status and the standard deduction (e.g. $15,000 for single filers in 2025) reduce your taxable income before brackets are applied.

2. Social Security Tax — A flat 6.2% on your gross wages, up to the 2025 wage base limit of $176,100. Above that amount, no more Social Security is withheld for the year.

3. Medicare Tax — A flat 1.45% on all wages with no income cap. If you earn over $200,000, an extra 0.9% Additional Medicare Tax applies to the excess.

4. State Income Tax — Varies by state. Nine states have zero state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Others range from 3% to over 13% for high earners in California.

Paycheck Calculators by State

Get a deeper look with your state's exact tax rules, comparison to neighboring states, and common salary examples.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Washington D.C.

Frequently Asked Questions

How accurate is the WageMath paycheck calculator?
WageMath uses the official 2025 IRS federal tax brackets and standard deductions, plus calibrated effective state income tax rates. Results are accurate estimates for most W-2 employees with no pre-tax deductions. Your actual paycheck may differ if you have 401(k) contributions, health insurance premiums, or owe local city/county taxes — subtract annual pre-tax deductions from your gross salary before entering it.
What is the standard deduction for 2025?
The 2025 standard deduction is $15,000 for single filers and married filing separately, $30,000 for married filing jointly, and $22,500 for head of household. This amount is subtracted from gross income before federal tax brackets are applied, reducing your federal tax bill significantly.
Which states have no income tax in 2025?
Nine states have no state income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. If you live in one of these states, your take-home pay is substantially higher than in high-tax states like California, New York, or Oregon.
What is the Social Security wage base for 2025?
The Social Security wage base limit for 2025 is $176,100. Social Security tax (6.2%) is only withheld on the first $176,100 of earnings. Once you reach that threshold, Social Security withholding stops for the rest of the calendar year.
What is the Additional Medicare Tax?
The Additional Medicare Tax is an extra 0.9% on wages above $200,000 for single filers (or $250,000 for married filing jointly). It only applies to the amount over the threshold. There is no income cap on Medicare taxes — the base 1.45% applies to all wages.
Does this calculator include 401(k) or health insurance deductions?
Currently, WageMath calculates take-home pay before pre-tax benefits like 401(k) contributions or health insurance premiums. These reduce your taxable income and would lower your actual tax burden. To approximate: subtract your annual pre-tax contributions from your gross salary before using the calculator above.