Enter values to calculate…
Estimates net pay after federal income tax and FICA (Social Security + Medicare) based on 2025 rates. Optional state tax as flat %. No other deductions/credits. For illustration only; consult a tax professional or use IRS tools for accuracy.
Planning your budget or onboarding new hires? A paycheck calculator is an indispensable tool for estimating net pay after federal, state, and local taxes, FICA withholdings, and deductions like 401(k) contributions or health insurance. In 2025/2026, with federal income tax brackets adjusted for inflation (10% to 37%) and Social Security capped at $176,100, these calculators provide clarity amid varying state rules—nine states like Texas and Florida have no income tax, while California tops out at 13.3%. Whether you’re using a paycheck calculator Texas for no-state-tax simplicity or a paycheck calculator California for progressive brackets, tools on Gcalculate.com handle hourly, salary, bi-weekly, or monthly pay frequencies. This guide covers paycheck calculator Florida, NYC, PA, NC, Ohio, Georgia, Michigan, ADP paycheck calculator, and hourly paycheck calculator—empowering employees and employers to forecast accurately and optimize withholdings.
A paycheck calculator takes your gross pay, filing status (single, married), dependents, pay frequency, and location to compute deductions, yielding net take-home. It applies federal brackets (e.g., 10% on $0-$11,925 single), FICA (7.65% total: 6.2% Social Security up to $176,100, 1.45% Medicare unlimited), and state/local taxes.
Core steps:
For hourly paycheck calculator, multiply rate × hours (including overtime at 1.5x), then apply taxes—e.g., $20/hour × 40 = $800/week, net ~$650 after 19% withholdings.
Pro tip: Update for 2025 changes like higher standard deduction ($15,000 single) and child tax credit ($2,000/child)—tools automate this.
All paychecks face federal income tax (10-37% brackets) and FICA (7.65%), unchanged structurally but inflation-adjusted.
| Filing Status | 10% Bracket | 12% | 22% | 24% | 32% | 35% | 37% |
|---|---|---|---|---|---|---|---|
| Single | $0-$11,925 | $11,926-$48,475 | $48,476-$103,350 | $103,351-$197,300 | $197,301-$250,525 | $250,526-$626,350 | $626,351+ |
| Married Joint | $0-$23,850 | $23,851-$96,950 | $96,951-$206,700 | $206,701-$394,600 | $394,601-$501,050 | $501,051-$751,600 | $751,601+ |
FICA: 6.2% Social Security ($176,100 cap), 1.45% Medicare (unlimited; +0.9% over $200k single). Average withholding: 15-25% of gross.
State taxes add 0-13.3% burden—use paycheck calculator [state] for tailored results. Here’s a 2025 overview for popular searches:
| State | Income Tax Structure | Rate Range | Example: $60k Salary Annual Tax |
|---|---|---|---|
| Texas | None | 0% | $0 (federal only) |
| California | Progressive | 1-13.3% | ~$4,200 (9.3% effective) |
| Florida | None | 0% | $0 |
| NYC | State 4-10.9% + City 3.078-3.876% | Combined 7-14.776% | ~$5,800 (9.7% effective) |
| Pennsylvania | Flat | 3.07% | $1,842 |
| North Carolina | Flat | 4.75% | $2,850 |
| Ohio | Progressive | 0-3.99% | ~$1,800 (3% effective) |
| Georgia | Progressive | 1-5.49% | ~$2,500 (4.2% effective) |
| Michigan | Flat | 4.25% | $2,550 |
Local taxes add in NYC (up to 3.876%) and PA (1-2.4% city). No-tax states like Texas/Florida boost take-home by 4-13%.
An hourly paycheck calculator multiplies rate × hours (40 standard + 1.5x overtime), then applies taxes—e.g., $20/hour × 40 + 8 OT = $960 gross/week, net ~$750 (22% withholdings). For bi-weekly: Annualize and divide.
Example ($15/hour, 40 hours/week, single filer, CA):
The ADP paycheck calculator streamlines for employers, integrating W-4, state rules, and benefits—e.g., 401(k) pre-tax reductions up to $23,500. Features: Multi-state support, overtime, bonuses (22% supplemental rate), and exportable reports.
A paycheck calculator makes it simple to estimate your net pay after taxes and deductions, whether you’re paid hourly or on salary. With just a few quick inputs—like your pay rate, hours worked, pay frequency, state, and filing status—you’ll get an instant breakdown of your gross pay and take-home pay each period. This is an essential tool for both employees and freelancers who want clarity on their earnings and payroll deductions.
Start by selecting if you’re paid hourly or salaried. Input your wage or annual salary, along with details such as overtime hours, bonuses, and commissions if applicable. The calculator will then factor in federal income tax, Social Security, and Medicare contributions. In states where income tax is applied, enter your state and any allowances, so the calculator can estimate your state withholding accurately.
Additionally, you can adjust retirement and health insurance deductions to see how pre-tax contributions affect your final check. For those with multiple jobs, the calculator helps determine tax withholding on each position, ensuring your W-4 is filled out correctly. Whether you’re budgeting, planning for life changes, or simply checking your paycheck, this calculator gives you a reliable snapshot of your net pay every period.
Enter gross pay, frequency, filing status, and state into Gcalculate.com; it applies federal brackets (10-37%), FICA (7.65%), and state taxes (0-13.3%) for net pay—e.g., $4,615 bi-weekly gross = $3,600 net.
Texas has no state income tax, so a $60k salary nets ~$48,000 after federal/FICA (~20% withheld)—use Texas paycheck calculator for hourly ($20/hour = $38,400 net annual).
California’s 1-13.3% progressive tax means $60k nets ~$44,000 (~27% withheld including state 9.3%)—California paycheck calculator factors SDI (1.1%).
No—Florida’s 0% rate boosts take-home; $60k nets ~$48,000 (federal/FICA only)—Florida paycheck calculator confirms no local taxes.
NYC adds 3.078-3.876% city tax to state’s 4-10.9%, totaling 7-14.8%; $60k nets ~$44,500 (~26% withheld)—NYC paycheck calculator includes both.
$15/hour × 40 hours = $600/week gross; PA’s 3.07% flat tax + federal/FICA = ~$480 net—PA paycheck calculator handles overtime (1.5x).
NC’s 4.75% flat tax means $50k nets ~$39,500 (~21% withheld)—NC paycheck calculator applies to hourly too ($24/hour = $38,400 net annual).
Ohio’s 0-3.99% progressive tax on $60k = ~$1,800 state; total net ~$46,200 (~23%)—Ohio paycheck calculator factors local taxes (0-2%).
GA’s 1-5.49% progressive tax on $60k = ~$2,500 state; net ~$46,500 (~22.5%)—Georgia paycheck calculator for hourly ($20/hour = $39,000 net).
$18/hour × 40 = $720/week gross; MI’s 4.25% flat + federal/FICA = ~$570 net—Michigan paycheck calculator includes city taxes (up to 2.4%).
Enter rate ($20), hours (40 + OT), state, and W-4; it multiplies gross ($800/week), applies taxes (22% = $176), nets $624—includes 1.5x OT.