O guia abaixo ainda não está disponível em português e é apresentado em inglês. A calculadora está totalmente traduzida.
Como usar esta calculadora
- Enter your annual gross salary and how often you're paid.
- Choose the tax year and your federal filing status.
- Enter your traditional 401(k) contribution percentage and yearly pre-tax benefits (health, dental, vision premiums, FSA).
- Enter your state's income tax rate as an approximate flat rate (use 0 for states without income tax, such as Texas or Florida).
Fórmula
Federal income tax is calculated on gross pay minus pre-tax deductions and the standard deduction, using the IRS brackets for the year. Social Security is 6.2% of wages up to the annual wage base ($176,100 in 2025; $184,500 in 2026). Medicare is 1.45% of all wages plus 0.9% withheld on wages above $200,000. Traditional 401(k) contributions reduce income tax but not FICA; Section 125 benefits reduce both.
Net pay = Gross − 401(k) − benefits − federal tax − Social Security − Medicare − state tax
Per paycheck = annual amount ÷ pay periods
Example (2026, single, bi-weekly)
- $75,000 salary, 5% 401(k) ($3,750), $2,400 health premiums, 4% state tax.
- Federal taxable income = 75,000 − 3,750 − 2,400 − 16,100 = $52,750.
- FICA wages = $72,600, so Social Security is $4,501.20 and Medicare is $1,052.70 per year.
- The calculator divides each amount by 26 to show what each paycheck looks like.
Perguntas frequentes
Why is my actual paycheck different?
Your W-4 elections, tax credits, local taxes, state-specific brackets and deductions, and other benefits all affect withholding. This calculator estimates annual liability evenly spread across paychecks.
Does a Roth 401(k) reduce taxes?
No. Roth contributions are made after tax. Only traditional (pre-tax) contributions reduce your taxable income now.
Is this for other countries?
No. These are US federal rules only. For the UK, use the income tax calculator with UK selected, which includes National Insurance.