Bring Home Income Calculator

Formatting only. This does not change the calculation.
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.
Annual take-home
68,627.52
US Paycheck and Take-Home Pay Calculator
Take-home pay per period
2,639.52
Gross per period
3,269.23
Annual gross
85,000
Federal income tax
379.62
Social Security
202.69
Medicare
47.4
Additional Medicare
0
State income tax
0
How state tax was computed
flat effective rate
Local income tax
0
Total deductions
629.71
Effective tax rate on gross
19.262 %
Percentage kept
80.738 %
Regular (straight-time) pay
3,269.23
Overtime pay
0
FLSA overtime premium (qualified overtime)
0
Section 225 overtime deduction for the year
0
Year-to-date gross
3,269.23
Year-to-date Social Security
202.69
Year-to-date tax withheld
629.71
Year-to-date take-home
2,639.52
Employer Social Security
202.69
Employer Medicare
47.4
Employer FUTA
1.62
Employer state unemployment tax
0
Employer payroll taxes
251.71
Total cost to the employer
3,520.94
Total payroll tax, employee plus employer
501.8
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 = 85000 over 26 pay periods.
  2. Annualised taxable income = 85000 - 0 pre-tax - 16100 standard deduction = 68900
  3. Federal tax on that = 9870; per period 379.62
  4. Social Security 6.2% on wages up to 184500 = 202.69
  5. Medicare 1.45% with no cap = 47.4
  6. Take-home per period = 2639.52
Deduction breakdowntable
itemamount
Gross pay3,269.23
Federal income tax-379.62
Social Security-202.69
Medicare-47.4
Net pay2,639.52
Pay stubtable
sectionitemcurrentyearToDate
EarningsRegular pay3,269.233,269.23
EarningsGross pay3,269.233,269.23
Taxes withheldFederal income tax379.62379.62
Taxes withheldSocial Security202.69202.69
Taxes withheldMedicare47.447.4
Net payNet pay2,639.522,639.52

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