MoneyMath Hub
Paycheck Calculator
Estimate gross pay, federal withholding, Social Security, Medicare, state income tax, local tax, payroll programs, and take-home pay.
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Supplemental pay (per period)
Deductions (per period)
Extra withholding & local overrides
Year-to-date wages (for cap handling)
Estimated biweekly paycheck
- Gross pay
- $0.00
- Regular gross
- $0.00
- Supplemental gross
- $0.00
- Pre-tax deductions
- $0.00
- Federal income tax
- $0.00
- · on regular wages
- $0.00
- · on supplemental wages
- $0.00
- Social Security
- $0.00
- Medicare
- $0.00
- Texas state tax
- $0.00
- Post-tax deductions
- $0.00
- Total taxes
- $0.00
- Take-home pay
- $0.00
Paycheck Print Summary
Print this summary or save it as PDF from your browser.
- State
- Texas
- Filing status
- single
- Pay frequency
- biweekly
- Gross pay
- $0.00
- Pre-tax deductions
- $0.00
- Federal income tax
- $0.00
- Social Security
- $0.00
- Medicare
- $0.00
- Texas state tax
- $0.00
- Local income tax
- $0.00
- Post-tax deductions
- $0.00
- Total taxes
- $0.00
- Take-home pay
- $0.00
Educational estimate only. Actual payroll results may differ based on federal, state, local, and employer payroll rules.
How accurate is this?
This calculator uses standard federal withholding logic (IRS Publication 15-T), 2025-style FICA rates (6.2% Social Security up to the wage base, 1.45% Medicare with +0.9% above $200k), and simplified state income tax rules. Results are educational estimates — actual paycheck amounts depend on your W-4 settings, employer payroll system, benefits, bonuses/overtime treatment, and the most current published rates. For complex situations, use the IRS Tax Withholding Estimator.
Explore paycheck pages by state
Visit state-specific paycheck pages for localized intros and a calculator preset for that state.
Federal + state estimates
Combine federal withholding, payroll taxes, and state-specific estimates in one calculator view.
Local tax overrides
Add resident, work, or school district tax overrides for more detailed local take-home pay estimates.
Payroll program handling
Show employee-side payroll deductions such as state disability, paid leave, or similar contributions where configured.
More paycheck guidance
What do federal, state, and local taxes cover?
Federal withholding covers federal income tax. FICA covers Social Security and Medicare. State income tax (where applicable) funds the state's general budget. Some cities, counties, and school districts also add local income or wage taxes — these vary widely by jurisdiction and are sometimes flat percentages, sometimes brackets.
How do bonuses, overtime, and supplemental pay change my paycheck?
Bonuses and other supplemental wages are often withheld at a flat federal rate (commonly 22%) regardless of your W-4. Overtime is taxed at the same income tax rate as your regular wages — it can feel higher because the larger paycheck pushes more income into higher withholding brackets, but the year-end tax owed is unchanged.
Pre-tax vs. post-tax deductions
Pre-tax deductions (traditional 401(k), HSA, most health insurance premiums) reduce your taxable wages, which lowers federal and usually state income tax. Post-tax deductions (Roth 401(k), garnishments, after-tax benefits) come out after taxes are calculated and do not reduce your tax bill.
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Frequently asked questions
What is take-home pay?
Take-home pay is the amount left after taxes and deductions are subtracted from gross earnings.
Why do paycheck amounts vary by state?
Because states differ in income tax rules, payroll deductions, disability programs, and local tax requirements.
Are paycheck calculator results exact?
No. They are educational estimates and may differ from actual payroll calculations.
Why is my paycheck smaller than expected?
Federal tax withholding, benefits, retirement contributions, health insurance, and state deductions can significantly reduce net pay.
Disclaimer
This paycheck calculator is for educational estimates only and is not tax advice. If you have multiple jobs, bonuses, part-year work, or other complex tax situations, consider using the IRS Tax Withholding Estimator for a more tailored estimate.