Take-Home Paycheck Calculator
Take-home pay is gross wages minus withholding: federal income tax (W-4 based; this calculator uses a simplified flat-rate estimate), FICA at 7.65%, and state income tax. Overtime and bonuses in the period are withheld at supplemental rates, which is why heavy-OT checks can look thin.
Quick answer: A $60,000 salary in a no-tax state pays roughly $1,940 per semi-monthly check after simplified federal withholding and FICA; the same salary nets about $115 less per check in a 5% state.
$
%
Net pay per semi-monthly check (24/year)
$1,974.58
of $2,500.00 gross · $60,000.00 annual → $47,390.00 net per year
| Gross per check ($60,000.00 ÷ 24) | $2,500.00 |
| Federal withholding (simplified single/standard)your W-4 changes this — see the note below | − $209.17 |
| FICA (7.65%) | − $191.25 |
| State tax (custom 5%) | − $125.00 |
Deliberately simplified: a single-filer, standard-deduction federal estimate plus flat FICA and your state rate. Real paychecks vary with your W-4, pre-tax benefits and local taxes. Planning estimate, not tax advice.
Core facts
| FICA | 7.65% of gross wages (6.2% SS up to the wage base + 1.45% Medicare) |
|---|---|
| Federal | Simplified W-4 estimate (single, standard) — your actual withholding varies |
| State | 0%–10.23% depending on state; pick yours in the tool |
Common uses
- Budget on a new salary before the first paycheck
- Compare two offers in different states on a net basis
- See how overtime changes your take-home per period
Frequently asked questions
Frequently Asked Questions
Why doesn't this match my paycheck exactly?
Real withholding runs the IRS W-4 tables with your actual inputs (filing status, dependents, other income, extra withholding). This calculator is deliberately simple — same order of magnitude, fewer knobs. Treat the result as a planning estimate.
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More guides
How Are Bonuses Taxed?
The 22% supplemental rule, the aggregate method, FICA, state tax — and why over-withheld bonus tax comes back as a refund.
Is Overtime Taxed More?
Overtime is withheld at a higher flat rate but taxed as ordinary income — and from 2026 the premium gets a federal deduction.
No Tax on Overtime, Explained
The 2026 OBBBA overtime deduction in plain English: what qualifies, the caps, the phase-out, and the fine print.
What Is Time and a Half?
The FLSA overtime rule, who's exempt, how the rate is computed, and state rules that go beyond 1.5×.