Choose your state and (optional) city, enter gross pay, pay frequency, and any pre-tax deductions (401(k)%, HSA/FSA/Insurance). We estimate Federal, FICA, state, and local withholding and show your net (take-home) pay per period.

Start here: All state calculators • All city calculators.

Weekly (52), Biweekly (26), Semi-Monthly (24), Monthly (12), and Annual (1). We annualize your inputs, compute taxes, then convert results back to your chosen frequency.

Where noted, we use a simplified supplemental-wage approach (e.g., flat federal rate) for estimates. Employer methods vary (aggregate vs. flat) and may produce different results. Check the page notes or our Methodology.

You can run separate scenarios and add results manually for planning. Some W-4 multiple-job phase-outs aren’t fully modeled unless a page notes otherwise. For precise withholding, consult your employer’s payroll or a tax professional.

We focus on core withholding math. Some pages include a simplified dependents/credit field when we can model it clearly. For detailed W-4 planning, refer to official IRS instructions and compare with our estimate.

Federal income tax, FICA (Social Security up to the wage base + Medicare + additional Medicare surtax where applicable), state income tax (if any), and local (city/school-district) tax where verified. See our Methodology for the sequence.

Yes. Enter your 401(k) as a %, and HSA/FSA/Insurance as $ per period. We apply IRS/state rules where allowed. Roth contributions are post-tax and do not reduce taxable wages.

Not by default. Where a state/city has unique rules we can reliably implement, you’ll see a note on that page. Otherwise, we keep estimates simple and educational.

Employer payroll setups (W-4 specifics, YTD timing, fringe benefits, local rules, rounding) can differ. Match frequency and inputs exactly, then compare again. See our Methodology and Troubleshooting.

Yes. Start at the state hub. We also include many local city/school-district taxes where verified—browse the city hub.

We include local rates when we have reliable, current sources and clear applicability rules (residency vs. workplace). If rules are ambiguous, we present a simplified estimate or note the limitation on the page.

Please send the city name and any official tax links to contact@citypaycheckcalculator.com. We regularly expand coverage based on verified sources.

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• Match pay frequency and gross amount exactly (biweekly vs monthly).
• Mirror pre-tax items (401(k)% and HSA/FSA/Insurance $) precisely.
• Confirm state and city (local taxes can change results).
• Consider YTD effects (e.g., Social Security wage base reached late in the year).

Still off? Email us with the page URL and inputs: contact@citypaycheckcalculator.com.

Annualization uses fixed periods (26 for biweekly, 12 for monthly). In rare 27-pay years or with rounding, your paystub may differ from a simple monthly × 12 comparison.

Our full process, including frequency conversions, FICA caps, and state/local handling, is explained in the Methodology.

No—our tools provide educational estimates. For decisions, consult your employer’s payroll or a qualified tax professional. See our Disclaimer.

IRS publications, state Departments of Revenue, and official local sources. We log material changes in our Data Sources & Update Log.

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Content and logic changes go through research, implementation, and dual review, with regression testing. Details: Editorial & Review Policy.

Contact us with the page URL, your inputs, and a short description: Contact • contact@citypaycheckcalculator.com.