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Pay Stub & Take-Home Pay Calculator 2025

Calculate your net take-home pay after federal income tax, FICA (Social Security + Medicare), 401k contributions, and health insurance deductions. See a full pay stub breakdown for weekly, biweekly, semi-monthly, or monthly pay periods.

Net Paycheck Calculator (US)
$
Leave 0 for no state tax (e.g. TX, FL)
Pre-tax — reduces federal taxable income
$
Pre-tax deduction (Section 125)
Net Take-Home Pay (per period)
$0.00
Gross Pay
$0
Pre-tax Deductions
$0
Federal Income Tax
$0
Social Security (6.2%)
$0
Medicare (1.45%)
$0
State Income Tax
$0
Total Deductions
$0
Net Take-Home Pay
$0
Effective Tax Rate
0%
Annual Gross
$0
Annual Take-Home
$0
Annual 401(k)
$0

2025 FICA & Payroll Tax Quick Reference

TaxEmployee Rate2025 Wage Limit
Social Security6.2%$176,100
Medicare1.45%No limit
Additional Medicare0.9%Over $200,000 (single)
Federal Unemployment (FUTA)0.6% (employer only)$7,000

Note: Employer also pays a matching 6.2% Social Security and 1.45% Medicare — these do not come out of your paycheck.

Frequently Asked Questions

Your employer annualizes your gross pay, subtracts your standard deduction and pre-tax deductions (401k, health insurance), applies the IRS federal tax brackets to find annual federal tax, then divides by the number of pay periods to get per-period withholding. This calculator uses the same method with 2024 IRS tax brackets (nearly identical to 2025). For exact withholding, use the IRS Tax Withholding Estimator at irs.gov.
Yes, but by less than the full contribution amount. Traditional 401k contributions are pre-tax, so they reduce your federal taxable income. For example, if you're in the 22% bracket and contribute $200/paycheck, your federal tax bill drops by $44 — meaning your net take-home only decreases by $156, not the full $200. The 2025 401k contribution limit is $23,500 ($31,000 if you're 50 or older with catch-up contributions).
Nine US states currently have no individual income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents of these states only pay federal income tax and FICA, which can meaningfully increase take-home pay compared to high-tax states like California (up to 13.3%) or New York (up to 10.9%). Set State Income Tax to 0% if you live in a no-income-tax state.