💵 Paycheck Calculator
Calculate your net paycheck amount after all taxes and deductions. See exactly what you'll take home each pay period.
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Frequently Asked Questions
How often should I get paid?
Most employers pay biweekly (26 paychecks per year), weekly (52), semimonthly (24), or monthly (12). Biweekly is most common in the U.S. More frequent paychecks can help with budgeting but mean smaller individual amounts.
What is the difference between gross and net pay?
Gross pay is your total earnings before any deductions. Net pay (take-home pay) is what you actually receive after federal tax, state tax, FICA tax, and pre-tax deductions like 401(k) and health insurance are subtracted.
Why is my paycheck less than my salary divided by pay periods?
Your paycheck is reduced by multiple deductions: federal income tax (10-37%), state income tax (0-13%), FICA tax (7.65%), and pre-tax deductions like 401(k) and health insurance. Typically, take-home pay is 70-80% of gross pay.
What are pre-tax deductions?
Pre-tax deductions like 401(k), health insurance, HSA, and FSA are taken from your paycheck before taxes are calculated. This reduces your taxable income and saves you money on taxes.
Can I adjust my withholding?
Yes! Submit a new W-4 form to your employer to adjust federal tax withholding. Claim more allowances to increase take-home pay, or fewer allowances to increase withholding and avoid owing taxes in April.
Financial Disclaimer
This calculator is provided for educational and informational purposes only. The results are estimates based on the information you provide and should not be considered as financial, legal, or tax advice.
Actual results may vary based on your specific circumstances, market conditions, and other factors. Always consult with qualified financial, legal, and tax professionals before making any financial decisions.
We make no guarantees about the accuracy, completeness, or reliability of the calculations. Use this tool at your own risk.