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.
| 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.
| 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?
More Tips & Paycheck Calculators
Take-home pay by state
The same salary nets a different amount in every state, because each one writes its own income tax schedule. These state calculators run the 2026 federal brackets and FICA, then apply the state's own rates and standard deduction.