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Pay Stub Calculator

US, 2026 tax year · figures follow that year's rules

Pay stub calculator works out Take-home pay per period and Gross per period from How pay is entered, Gross pay and Hourly rate. The default figures on this page give take-home pay per period of 2,092.6; change any entry and the result, the working and the sources update together.

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.

Your figures

Updates as you type
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.

How this is worked out

7 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
  7. Year to date through period 1: gross 2500, tax withheld 407.4, net 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

Its 13 worked examples are re-run on every release, last on 15 September 2026. What changed

Sources and references

11 sources
IRS Revenue Procedure 2024-40, inflation-adjusted items for tax year 2025
IRS Revenue Procedure 2025-32, modifying Rev. Proc. 2024-40 for the One Big Beautiful Bill Act (P.L. 119-21)
IRS, Federal income tax rates and brackets
Social Security Administration, Contribution and Benefit Base
IRS Publication 15-T, Federal Income Tax Withholding Methods
The percentage method for automated payroll systems annualises wages, applies the rate schedules and divides by the number of pay periods.
IRS Topic no. 751, Social Security and Medicare withholding rates
29 U.S.C. 207(a)(1) (Fair Labor Standards Act) - overtime at not less than one and one-half times the regular rate for hours over 40 in a workweek
26 U.S.C. 225 - deduction for qualified overtime compensation, added by section 70202 of P.L. 119-21
tax years 2025-2028 · Caps the deduction at $12,500 ($25,000 joint) and reduces it by $100 for each $1,000 of modified AGI over $150,000 ($300,000 joint).
IRS Notice 2025-69, Guidance for Individual Taxpayers who received Qualified Tips or Qualified Overtime Compensation in 2025
2025 · Section II.B and the section III.B examples establish that only the FLSA-required one-half premium is qualified overtime compensation.
IRS Fact Sheet FS-2026-13, Questions and answers about the deduction for qualified overtime compensation
Supersedes the Notice 2025-69 FAQs. Deletes the 2025-only guidance and adds the employer reporting, calculation and withholding rules for tax year 2026, including Form W-2 box 12 code TT.
IRS Topic no. 759 and the Instructions for Form 940 - FUTA at 6.0% on the first $7,000 of wages, less a credit of up to 5.4% for state unemployment tax (net 0.6%)

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What the pay stub calculator calculates

Estimates net take-home pay from gross wages after federal income tax withholding, Social Security, Medicare, state tax and pre-tax deductions.

How to use this pay stub calculator

Enter How pay is entered, Gross pay, Hourly rate and Regular hours in the pay period. Take-home pay per period updates as you type. Change one figure at a time to see what drives the result.

How the result is worked out

Open “How this is worked out” beside the result for the step-by-step calculation behind Take-home pay per period, Gross per period and Annual gross.

The method follows IRS Revenue Procedure 2024-40, inflation-adjusted items for tax year 2025, IRS Revenue Procedure 2025-32, modifying Rev. Proc. 2024-40 for the One Big Beautiful Bill ACT (P.L. 119-21), IRS, Federal income tax rates and brackets, Social Security Administration, Contribution and Benefit Base and IRS Publication 15-T, Federal Income Tax Withholding Methods.

What you can compare

Change one input at a time to see how it affects Take-home pay per period, Gross per period and Annual gross. The inputs you can vary are How pay is entered, Gross pay, Hourly rate, Regular hours in the pay period, Overtime hours in the pay period and Overtime rate multiple.

Understanding Take-home pay per period, Gross per period and Annual gross

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.

Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.

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Copy this code into any page. The calculator appears with the figures currently entered, sizes itself to fit, and a small credit line links back here. Free, no account, no ads inside it, no tracking of your readers. Set your own figures and fixed fields; Personal removes the credit line, sets your colour and shows you which sites use it.

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Frequently asked questions

How do I calculate my pay stub?

Estimates net take-home pay from gross wages after federal income tax withholding, Social Security, Medicare, state tax and pre-tax deductions. Open “How this is worked out” beside the result to see each step for your own figures.

What information do I need for the pay stub calculator?

You need How pay is entered, Gross pay, Hourly rate, Regular hours in the pay period, Overtime hours in the pay period, Overtime rate multiple, Which pay period of the year this is and Pay frequency. The page opens with default figures that give take-home pay per period of 2,092.6, so you can see the scale before entering your own.

What does this pay stub calculator show?

It shows Take-home pay per period, Gross per period, Annual gross, Annual take-home, Federal income tax, Social Security, Medicare and Additional Medicare, with the working and any warnings for your entries.

Can I check how the pay stub calculator result was calculated?

Yes. The “How this is worked out” section shows the calculation steps, and the sources section identifies the references used for the method.

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