Take-Home Paycheck Calculator
Estimate your actual take-home pay after federal taxes, FICA, and deductions. Based on 2025 tax brackets and the new W-4 form.
Salary Information
Tax Information
Based on Step 3 of W-4 form
Deductions
Your Paycheck Summary
Your Estimated Take-Home Pay
$1,892.45
per biweekly paycheck
Income Breakdown
Gross Pay
$2,884.62
Federal Income Tax
$276.35
Social Security (6.2%)
$178.85
Medicare (1.45%)
$41.83
State Income Tax
$96.76
Retirement Deductions
$173.08
Health Insurance
$200.00
Net Take-Home Pay
$1,892.45
2025 Federal Tax Brackets
10%
Up to $11,600
12%
$11,601-$47,150
22%
$47,151-$100,525
24%
$100,526-$191,950
32%
$191,951-$243,725
35%
$243,726-$609,350
37%
Over $609,350
Detailed Paycheck Analysis
Annual Summary
Gross Annual Income
$75,000.00
Total Taxes
$15,876.24
Total Deductions
$5,000.00
Annual Take-Home Pay
$54,123.76
Tax Breakdown
Federal Income Tax
$7,185.10
Social Security Tax
$4,650.00
Medicare Tax
$1,087.50
State Income Tax
$2,953.64
Deductions Breakdown
Retirement Contributions
$4,500.00
Health Insurance
$2,400.00
Other Deductions
$100.00
Total Deductions
$7,000.00
Effective Tax Rates
Effective Federal Tax Rate
9.58%
Effective State Tax Rate
3.94%
Total Effective Tax Rate
21.17%
Take-Home Percentage
72.16%
W-4 Form Guidance
Understanding the New W-4 Form
The redesigned W-4 form makes it easier for your employer to withhold the correct federal income tax from your paycheck. The new form eliminates the concept of allowances and replaces it with a more straightforward approach.
Key Steps in the W-4 Form:
- Step 1: Personal Information – Enter your name, address, Social Security number, and filing status.
- Step 2: Multiple Jobs or Spouse Works – Complete this step if you have more than one job or are filing jointly and your spouse also works.
- Step 3: Claim Dependents – For dependents, multiply the number of qualifying children under 17 by $2,000 and other dependents by $500.
- Step 4: Other Adjustments – Use this step for other income, deductions, or extra withholding.
- Step 5: Sign Here – Sign and date the form.
Tips for Accurate Withholding:
- If you have multiple jobs, use the IRS Tax Withholding Estimator for accuracy
- Update your W-4 after major life events (marriage, divorce, birth of child)
- Consider additional withholding if you have significant non-wage income
- Review your withholding annually or when tax laws change
Step 3: Claim Dependents
For dependents, multiply the number of:
- Qualifying children under 17 by $2,000
- Other dependents by $500
Enter the total in Step 3. This reduces the amount of tax withheld from your paycheck.
Step 4: Other Adjustments
Use Step 4 if you want to:
- Withhold additional tax from each paycheck
- Account for tax deductions beyond the standard deduction
- Account for other income not from jobs
Our calculator can help you determine appropriate additional withholding.