US Paycheck & Take-Home Pay Calculator
Estimate your exact net paycheck after Federal income taxes, FICA (Social Security & Medicare), and state income taxes. Updated for 2025–2026 tax brackets.
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Understanding US Payroll Taxes & Deductions
What is FICA?
FICA stands for Federal Insurance Contributions Act. It consists of Social Security (6.2% up to the wage cap of $168,600) and Medicare (1.45% with no wage limit, plus 0.9% on high earners). Employers match these amounts.
How Does 401(k) Lower Your Taxes?
Traditional 401(k) contributions are pre-tax, meaning they are deducted before federal and state taxes are calculated. Contributing lowers your overall taxable income bracket, saving you immediate money.
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