Paycheck Calculator 2025
Calculate your exact net take-home pay after federal income tax, Social Security, Medicare, and state income tax — for all 50 states. Supports hourly and salary workers.
How Paycheck Deductions Work in 2025
Every US paycheck has deductions taken out before you receive your take-home pay. Understanding what each deduction is helps you verify your pay stub and plan your finances.
Federal Income Tax (2025 Brackets)
The US uses a progressive tax system with 7 brackets. The 2025 brackets for single filers: 10% up to $11,925 · 12% up to $48,475 · 22% up to $103,350 · 24% up to $197,300 · 32% up to $250,525 · 35% up to $626,350 · 37% above $626,350. The standard deduction is $15,000 (single), $30,000 (MFJ), $22,500 (HoH) for 2025.
FICA Taxes — Social Security & Medicare
Social Security: 6.2% on wages up to $176,100 (2025 wage base). Medicare: 1.45% on all wages with no cap, plus an additional 0.9% on wages above $200,000 (single) or $250,000 (married). Your employer matches both SS and Medicare.
State Income Tax
Nine states have no state income tax in 2025: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Among taxing states, rates range from Pennsylvania's flat 3.07% to California's top bracket of 13.3%. Many states recently moved to flat-rate systems: Iowa (3.8%), Louisiana (3%), Arizona (2.5%), Colorado (4.4%), Georgia (5.19%), Idaho (5.3%).
Pre-Tax Deductions
Contributions to a traditional 401(k) (2025 limit: $23,500), HSA (self-only: $4,300; family: $8,550), and employer health insurance premiums reduce your federal taxable income before tax is calculated, lowering your overall tax bill.
Frequently Asked Questions
A typical US paycheck has four main tax deductions: (1) Federal income tax based on IRS brackets and your filing status; (2) Social Security at 6.2% on wages up to $176,100; (3) Medicare at 1.45% on all wages (plus 0.9% extra above $200,000 for single filers); and (4) State income tax, which varies — nine states have none at all.
Nine states have no individual state income tax in 2025: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire fully eliminated its interest and dividends tax in 2025, joining this group. Note: Washington state has a 7% capital gains tax on gains above $250,000, but does not tax regular wage income.
The Social Security wage base for 2025 is $176,100. You pay 6.2% Social Security tax only on wages up to this limit. Once your wages exceed $176,100 for the year, no additional Social Security tax is withheld — though Medicare tax (1.45%) continues on all wages with no cap.
Pre-tax deductions like 401(k) contributions, HSA contributions, and health insurance premiums reduce your federal taxable income before tax brackets are applied. For example, contributing $6,000 to a 401(k) in the 22% bracket saves you $1,320 in federal tax. These deductions also reduce your state taxable income in most states.
The 2025 federal standard deduction is $15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household. This amount is subtracted from your gross income before federal tax brackets are applied. About 90% of filers take the standard deduction.
Gross pay is your total earnings before any deductions. Net pay (take-home pay) is what you receive after all taxes and deductions. The difference includes federal income tax, state income tax, Social Security, Medicare, and any voluntary deductions like 401(k) or health insurance. A person earning $75,000/year typically takes home $55,000–$60,000 depending on their state.