Paycheck Calculator by State
Wondering what your salary actually pays after taxes in your state? Get net per paycheck and per year in seconds — federal, state, and FICA included.
📖 How it works & FAQ⚠️ Simplified estimate: flat approximate state rates, no local taxes, W-4 details, pre-tax benefits, or credits. Not tax advice.
What this paycheck calculator does
Type in your gross pay, pick how often you get paid, and choose your state. The tool subtracts the three big bites in order: FICA at a flat 7.65% (6.2% Social Security plus 1.45% Medicare), a simplified federal income tax (2025 bracket math with the standard deduction, or a custom effective rate you set yourself), and an approximate state income tax pulled from a built-in table covering all 50 states plus DC. You get net pay per paycheck, net pay per year, your combined effective tax rate, and a line-by-line breakdown so you can see exactly where every dollar went.
Why your state changes the answer
Nine states — Texas, Florida, Washington, Tennessee, Nevada, South Dakota, Wyoming, Alaska, and New Hampshire — take nothing out of wages at all. Pennsylvania charges a flat 3.07%, Illinois 4.95%, Colorado 4.4%, while Oregon and California sit near the top. On a $65,000 salary that spread is worth thousands of dollars a year, which is why the same job offer can feel very different in Austin than in Portland. The built-in rates are flat approximations of a mid-income effective rate, and you can override any of them with your own number.
How to use it
- Enter your gross pay and tell the tool whether that figure is per year or per paycheck.
- Pick your pay frequency — weekly, bi-weekly, semi-monthly, or monthly.
- Choose your state; no-income-tax states are labeled right in the list.
- Pick a federal method: the bracket estimate for Single or Married filing jointly, or enter your own effective rate.
- Read the net numbers instantly, then fine-tune with the state rate override if you know your real rate.
FAQ
- Is this what my employer will actually withhold?
- No. Real withholding depends on your W-4, pre-tax benefits like health insurance and 401(k), local city taxes, and credits. These are simplified estimates only — not professional, tax, or financial advice — and rates vary and change every year.
- Why is the state tax a single flat percentage?
- Most states use graduated brackets, so we embed one approximate effective rate per state that fits typical mid-range incomes. If yours differs, type your own rate into the override box.
- Which paycheck frequency should I pick?
- Match your pay stub: bi-weekly means 26 checks a year, semi-monthly means 24. The annual numbers stay the same, but the per-check amount shifts.
- Is my salary information private?
- Yes. Everything runs in your browser — nothing you type is uploaded, stored, or shared.