Biweekly Payroll Calculator

Formatting only. This does not change the calculation.
Chooses the headline figure and, for the stub and employer views, the itemised table.
Gross earnings for one pay period, before any deductions. Ignored when pay is entered hourly.
The FLSA regular rate of pay. Used when pay is entered hourly.
Straight-time hours only. 80 is a full-time every-two-weeks cheque; the upper bound allows an annual pay period.
29 U.S.C. 207(a)(1) requires at least one and one-half times the regular rate over 40 hours a week.
Used for the year-to-date column of the pay stub. Period 1 is the first cheque of the year.
Form W-4 step 3 total, e.g. 2,000 per qualifying child.
Traditional 401(k), HSA and section 125 premiums. Reduce income tax; 401(k) does not reduce FICA.
Applies that state's own rate schedule. Leave unset to use a flat effective rate instead.
A flat effective rate, used when no state is selected above.
Form W-4 step 4(c).
6.0% gross, less a credit of up to 5.4% for state unemployment tax paid on time, so 0.6% for most employers. Applies to the first 7,000 of wages a year.
Your experience rate from your state unemployment agency. Rates and wage bases are set per state, so this is not assumed.
Your state's annual taxable wage base. Defaults to the federal 7,000 FUTA base; check your state agency for the real figure.
Take-home pay per period
2,092.6
US Paycheck and Take-Home Pay Calculator
Gross per period
2,500
Annual gross
65,000
Annual take-home
54,407.6
Federal income tax
216.15
Social Security
155
Medicare
36.25
Additional Medicare
0
State income tax
0
How state tax was computed
flat effective rate
Local income tax
0
Total deductions
407.4
Effective tax rate on gross
16.296 %
Percentage kept
83.704 %
Regular (straight-time) pay
2,500
Overtime pay
0
FLSA overtime premium (qualified overtime)
0
Section 225 overtime deduction for the year
0
Year-to-date gross
2,500
Year-to-date Social Security
155
Year-to-date tax withheld
407.4
Year-to-date take-home
2,092.6
Employer Social Security
155
Employer Medicare
36.25
Employer FUTA
1.62
Employer state unemployment tax
0
Employer payroll taxes
192.87
Total cost to the employer
2,692.87
Total payroll tax, employee plus employer
384.12
Worked out from IRS Revenue Procedure 2024-40, inflation-adjusted items for tax year 2025 and 10 other sources.
Federal withholding here uses the Publication 15-T percentage method with the standard deduction. Your employer may withhold a slightly different amount depending on your W-4.
An estimate. Actual withholding depends on your employer's payroll system, your Form W-4 entries, and state and local rules. It is not a substitute for your pay stub or the IRS Tax Withholding Estimator.

How this is worked out

6 steps
  1. Annual gross = 65000 over 26 pay periods.
  2. Annualised taxable income = 65000 - 0 pre-tax - 16100 standard deduction = 48900
  3. Federal tax on that = 5620; per period 216.15
  4. Social Security 6.2% on wages up to 184500 = 155
  5. Medicare 1.45% with no cap = 36.25
  6. Take-home per period = 2092.6
Deduction breakdowntable
itemamount
Gross pay2,500
Federal income tax-216.15
Social Security-155
Medicare-36.25
Net pay2,092.6
Pay stubtable
sectionitemcurrentyearToDate
EarningsRegular pay2,5002,500
EarningsGross pay2,5002,500
Taxes withheldFederal income tax216.15216.15
Taxes withheldSocial Security155155
Taxes withheldMedicare36.2536.25
Net payNet pay2,092.62,092.6

Results are general information, not financial, tax, legal, medical or engineering advice.