Precision Utility
US Paycheck
Calculator
Federal Tax
2025
FICA
Included
Calculate your US take-home pay for 2025 in seconds. Enter your annual salary, filing status and state — the calculator applies federal income tax brackets, FICA (Social Security + Medicare) and state tax estimates to show your net pay instantly.
Your Details
Annual Take-Home Pay
$0
Monthly
$0
Biweekly
$0
Federal Tax
$0
FICA
$0
State Tax
$0
Take-Home
$0
How the US paycheck calculator works
Start by entering your annual gross salary. The calculator subtracts the standard deduction ($15,000 for single filers, $30,000 for married filing jointly) to arrive at your taxable income.
Federal income tax is calculated using the 2025 marginal brackets. Each portion of your income is taxed at the rate for that bracket — from 10% on the first $11,925 up to 37% on income above $626,350.
Next, FICA taxes are applied to your gross salary: 6.2% for Social Security (capped at $176,100) and 1.45% for Medicare (no cap). If you earn over $200,000, an additional 0.9% Medicare surtax kicks in.
Finally, if you've selected a state with income tax, a flat-rate estimate is applied to your gross salary. The result is your annual take-home pay, broken down into monthly and biweekly figures.
What you need to know about US taxes in 2025
The US federal tax system uses seven marginal brackets for 2025. Your filing status determines the income thresholds for each bracket — married filing jointly thresholds are roughly double those for single filers.
Key facts for 2025:
- The standard deduction is $15,000 (single) or $30,000 (married filing jointly)
- Federal brackets (single): 10%, 12%, 22%, 24%, 32%, 35%, 37%
- FICA: 6.2% Social Security (wage cap $176,100) + 1.45% Medicare (no cap)
- Additional Medicare: 0.9% surtax on wages above $200,000
- States like Texas and Florida have no state income tax
- California and New York have some of the highest state tax rates in the country
This calculator provides estimates based on the standard deduction and flat state rates. Actual liability may vary depending on itemized deductions, credits, and local taxes. Consult the IRS for official guidance.
Frequently asked questions
How is federal income tax calculated in 2025?
Federal income tax uses marginal brackets. Your taxable income (after the standard deduction) is split across seven brackets ranging from 10% to 37%. You only pay the higher rate on income within that bracket, not on your entire salary.
What is FICA and how much do I pay?
FICA stands for the Federal Insurance Contributions Act. In 2025, employees pay 6.2% for Social Security on wages up to $176,100 and 1.45% for Medicare on all wages. An additional 0.9% Medicare surtax applies to wages above $200,000.
What is the standard deduction for 2025?
For 2025, the standard deduction is $15,000 for single filers and $30,000 for married filing jointly. This amount is subtracted from your gross income before federal tax brackets are applied.
Does this calculator include state income tax?
Yes. You can select your state from the dropdown. The calculator includes flat-rate estimates for popular states like California (9.3%) and New York (6.85%). States like Texas and Florida have no state income tax.
What is the Social Security wage cap for 2025?
In 2025, you pay the 6.2% Social Security tax only on the first $176,100 of wages. Any earnings above that cap are exempt from Social Security tax, though Medicare tax still applies with no cap.
How do I calculate my biweekly paycheck?
Divide your annual take-home pay by 26 (the number of biweekly pay periods in a year). This calculator shows your annual take-home, which you can easily convert to monthly, biweekly, or weekly figures.