City Paycheck Calculator
Calculate your exact take-home pay instantly. Accurate calculations for all 50 states and 100+ cities. Updated for 2025 tax rates and completely free to use.
100% Free & Accurate
Secure & Private
Instant Results
2M+ Users Trust Us
How Our City Paycheck Calculator Works
Get accurate take-home pay calculations in 4 simple steps
1
Enter Your Income
Input your salary, hourly wage, or commission. Choose between annual, monthly, or hourly calculations.
2
Select Your Location
Choose your state and city for accurate federal, state, and local tax calculations.
3
Add Deductions
Include 401k contributions, health insurance, and other pre-tax deductions that affect your pay.
4
Get Your Results
See your exact take-home pay with detailed breakdown of all taxes and deductions.
State Paycheck Calculators
Choose your state for accurate tax calculations. All 50 states available with up-to-date tax rates and regulations.
California
Up to 13.3% income tax
8+ calculator options
8+ calculator options
Texas
No state income tax
6+ calculator options
6+ calculator options
New York
Complex tax structure
5+ calculator options
5+ calculator options
Florida
No state income tax
Federal taxes only
Federal taxes only
Illinois
4.95% flat tax rate
9+ calculator options
9+ calculator options
Washington
No state income tax
Tech-friendly state
Tech-friendly state
City Paycheck Calculators
Calculate with city-specific tax rates and local deductions. Covering 100+ major US cities.
New York City
New York
Includes NYC income tax & local deductions
Los Angeles
California
CA state tax + LA county considerations
Chicago
Illinois
IL state tax + Chicago local rates
Houston
Texas
No city income tax – TX benefits
Understanding Your Paycheck
Learn about the different taxes and deductions that affect your take-home pay
Federal Income Tax
Progressive tax system with rates from 10% to 37% based on your income level and filing status.
Example: If you earn $50,000 annually, you’ll pay 10% on the first $10,275, then 12% on income from $10,276 to $41,775, and 22% on the remainder.
State Income Tax
Varies by state from 0% (no tax) to 13.3% (California). Some states have flat rates while others use progressive systems.
Example: Texas, Florida, and 7 other states have no income tax, while California’s top rate is 13.3% for high earners.
FICA Taxes
Social Security (6.2%) and Medicare (1.45%) taxes that fund federal programs. Total of 7.65% on most income.
Example: On a $60,000 salary, you’ll pay $4,590 in FICA taxes ($3,720 Social Security + $870 Medicare).
Pre-Tax Deductions
401k contributions, health insurance premiums, and other benefits that reduce your taxable income.
Example: Contributing $5,000 to your 401k can save you $1,100-$1,850 in taxes depending on your tax bracket.
Local Taxes
Some cities and counties impose additional income taxes on top of federal and state taxes.
Example: NYC residents pay an additional 3.88% city income tax on top of federal and New York state taxes.
After-Tax Deductions
Items taken from your paycheck after taxes are calculated, like Roth 401k contributions or union dues.
Example: Roth 401k contributions don’t reduce current taxes but grow tax-free for retirement.
Maximize Your Take-Home Pay
Smart strategies to optimize your paycheck and reduce your tax burden legally
Maximize 401k Contributions
Contribute to your 401k to reduce taxable income. For 2025, you can contribute up to $23,000 ($30,500 if 50+). Each $1,000 contributed can save $220-$370 in taxes depending on your bracket.
Use Health Savings Accounts
HSAs offer triple tax benefits: deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses. 2025 limits: $4,150 individual, $8,300 family.
Consider Commuter Benefits
Use pre-tax dollars for parking and transit costs. You can save up to $315/month ($3,780 annually) on commuting expenses with pre-tax benefits.
Dependent Care FSA
Set aside up to $5,000 pre-tax for dependent care expenses like daycare or eldercare. This can save $1,100-$1,850 in taxes annually.
Optimize Tax Withholdings
Adjust your W-4 to avoid large refunds or tax bills. Aim to owe less than $1,000 or get a refund under $1,000 for optimal cash flow.
Consider State Tax Implications
If you’re mobile, consider states with no income tax. Moving from California to Texas could save over $8,000 annually on a $100,000 salary.
Trusted by Millions
Why professionals choose our paycheck calculator
99.9% Accuracy
Verified calculations using official tax tables from IRS and state authorities
100% Secure
No personal data stored. All calculations performed locally in your browser
Lightning Fast
Instant results with detailed breakdowns. No waiting, no delays
Mobile Optimized
Perfect experience on all devices. Calculate anywhere, anytime
Powering Paycheck Calculations Nationwide
Real numbers from real users who trust our platform
2M+
Annual Users
People calculate their paychecks
50
States Covered
Complete US coverage
100+
Cities Available
Major metropolitan areas
250+
Calculator Variants
Specialized options available
Learn About Your Paycheck
Educational resources to help you understand taxes, deductions, and maximize your take-home pay
2025 Tax Updates
Stay informed about the latest federal and state tax changes that affect your paycheck calculations.
Read Tax Updates →
Our Methodology
Learn how we ensure 99.9% accuracy in our calculations and where we source our tax data.
View Methodology →
Frequently Asked Questions
Get answers to common questions about paycheck calculations, deductions, and tax planning.
Browse FAQs →
About Our Company
Learn about our mission to provide accurate, free paycheck calculations for everyone.
About Us →
User Testimonials
See what millions of users say about our accurate paycheck calculations.
Read Reviews →
Data Sources & Updates
Track our regular updates to tax rates and see exactly where our data comes from.
View Update Log →