Your estimated take-home pay per paycheck after federal tax, FICA and state tax.
Your gross salary is reduced by several things before it reaches your account. Federal income tax is calculated on your taxable income (salary minus the standard deduction and any pre-tax deductions like a 401(k)) using progressive brackets — only the income within each band is taxed at that band's rate. FICA is two flat taxes: Social Security at 6.2% up to an annual wage cap, and Medicare at 1.45% on everything. On top of that comes state income tax, which ranges from zero (Florida, Texas and seven others) to over 13%. This tool estimates the federal and FICA portions for 2025 and lets you add a flat state rate. It's a planning estimate, not a substitute for your actual pay stub, which reflects your specific W-4 elections and benefits. To turn a take-home figure into a home budget, head to affordability.