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Paycheck Calculator by State (Take-Home Pay)

Turn gross pay into estimated take-home pay — 2025 federal tax, FICA and state income tax, for all 50 states.

  • No upload
  • Browser-based
  • Free
  • No signup
$
%
$
Take-home pay (per year)
$0.00
—
  • Gross pay (annual)$0.00
  • Federal income tax$0.00
  • Social Security (6.2%)$0.00
  • Medicare (1.45%)$0.00
  • State income tax$0.00
  • Total taxes$0.00
  • Take-home (annual)$0.00
  • Effective tax rate0%

Estimate using 2025 federal brackets, the standard deduction and FICA. State income tax auto-fills a representative rate — many states have progressive brackets, local taxes or credits, so edit the state rate for your exact situation. Not tax advice. Runs fully in your browser.

Generated entirely in your browser.

How to use US Paycheck Calculator by State

  1. Enter your pay amount and choose the frequency — salary per year, per month, per paycheck, or hourly.
  2. Pick your filing status and your state. The state income tax rate fills in automatically.
  3. Add any pre-tax deductions (401k, health premiums) per year if you have them.
  4. Read your estimated take-home pay at the top and the full federal / FICA / state breakdown below.

Common use cases

  • Compare a job offer. See what a salary actually leaves in your pocket after federal, FICA and state tax before you accept an offer.
  • Compare states. Check how the same salary nets out in a no-income-tax state like Texas or Florida versus a high-tax state like California or Oregon.
  • Budget from each paycheck. Switch the frequency to bi-weekly or semi-monthly to see the take-home amount that actually hits your bank account.

Tips

  • Nine states have no state income tax on wages — Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming — so take-home is higher there.
  • Traditional 401(k) contributions lower your federal and state income tax but are still subject to FICA — the tool models this.
  • Many states use progressive brackets or add local taxes; the auto-filled rate is a representative figure, so edit it for your exact bracket.
  • Social Security tax stops once your wages pass the annual wage base ($176,100 in 2025); Medicare has no cap and adds 0.9% on high incomes.

Troubleshooting

The number doesn't match my actual paycheck exactly.
This is an estimate using the standard deduction and a single state rate. Real paychecks also reflect W-4 allowances, local taxes, benefits and progressive state brackets — edit the state rate and pre-tax field to get closer.
My state shows 0% tax.
That state has no income tax on wages, so state tax is correctly $0. Federal tax and FICA still apply.
Which filing status should I pick?
Use 'Single' if you file alone, 'Married filing jointly' if you and your spouse file together, or 'Head of household' if you're unmarried with a qualifying dependent — each has a different standard deduction and brackets.

Frequently asked questions

How is take-home pay calculated?
The tool subtracts federal income tax (2025 brackets on income after the standard deduction), Social Security (6.2% up to the wage base), Medicare (1.45% plus a 0.9% surtax on high earners) and state income tax from your gross pay.
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming have no state income tax on wages, so the state tax line is $0 and take-home pay is higher.
Is this exact for my paycheck?
It's a close estimate. It uses the standard deduction and a representative state rate. Your real paycheck also depends on W-4 settings, local taxes, benefits and progressive state brackets — edit the state rate and pre-tax fields to fine-tune.
Does it handle hourly pay?
Yes. Choose 'Hourly', enter your rate and hours per week, and the tool annualizes it (rate × hours × 52) before calculating tax and your take-home pay.
Is anything I enter uploaded?
No. The calculator runs entirely in your browser — nothing is sent to a server.