Paycheck Calculator

Input Details

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Your Job Income *

Pay Frequency *

Federal Income Tax *

Social Security Tax

Medicare Tax

State Income Tax

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City Income Tax

Pre-Tax Deductions

Post-Tax Deductions

Calculation Results

Monthly Paycheck Based on Income of $0/year

Label	Amount ($)
Gross Pay	$0.00
Federal Income Tax	$0.00
Social Security Tax	$0.00
Medicare Tax	$0.00
State Income Tax	$0.00
City Income Tax	$0.00
Pre-Tax Deductions	$0.00
Post-Tax Deductions	$0.00
Final Pay Check	$0.00

Paycheck Calculator: Your Ultimate Guide to Calculating Take‑Home Pay

A paycheck calculator is an invaluable tool for anyone who wants to understand exactly how much they’ll take home after taxes and deductions. Whether you’re using an Indiana paycheck calculator, Maryland paycheck calculator, Missouri paycheck calculator, Alabama paycheck calculator, Arizona paycheck calculator, North Carolina paycheck calculator, Ohio pay calculator, or Oklahoma paycheck calculator, this guide will walk you through the general process of manually calculating a paycheck—and provide state‑specific examples and tax‑bracket tables to make it easy.

How Paycheck Calculation Works (General Method)

Determine Gross Pay
- Hourly employees: Gross Pay = Hourly Rate × Hours Worked
- Salaried employees: Gross Pay = Annual Salary ÷ Pay Periods Per Year
Subtract Pre‑Tax Deductions
- 401(k), HSA, Flexible Spending Accounts, etc.
- Taxable Wages = Gross Pay – Sum of Pre‑Tax Deductions
Calculate Withholding Taxes
- Federal Income Tax: using IRS withholding tables or flat %/amount
- Social Security Tax: 6.2% of taxable wages (up to annual limit)
- Medicare Tax: 1.45% of taxable wages
- State Income Tax: based on your state’s brackets (see below)
- City/Local Tax: if applicable
Subtract Post‑Tax Deductions
- Garnishments, union dues, loan repayments, etc.
Compute Net Pay (Take‑Home Pay)
Net Pay = Gross Pay
– Pre‑Tax Deductions
– (Federal + Social Security + Medicare + State + City Taxes)
– Post‑Tax Deductions

State‑By‑State Examples

Below are individual, step‑by‑step example calculations for each state, all using the same base inputs:

Gross monthly pay: $4,166.67
Pre‑tax deduction: $12.00
Taxable wages = $4,166.67 – $12.00 = $4,154.67
Federal tax (22%): $4,154.67 × 0.22 = $914.03
City tax: $0 (assumed none)
Social Security (6.2%): $4,154.67 × 0.062 = $257.09
Medicare (1.45%): $4,154.67 × 0.0145 = $60.23
Post‑tax deduction: $500.00

1. Indiana

State rate: 3.05%

State Tax = 4,154.67 × 0.0305 = 126.75

Description	Amount ($)
Gross monthly pay	4,166.67
Pre‑tax deduction	12.00
Taxable wages	4,154.67
Federal tax (22%)	914.03
State tax (3.05%)	126.75
City tax	0.00
Social Security (6.2%)	257.09
Medicare (1.45%)	60.23
Total taxes withheld	1,358.10
Post‑tax deduction	500.00
Estimated take‑home	2,308.57

Calculate your Indiana paycheck with Indiana paycheck calculator

2. Maryland

Maryland State Income Tax Brackets

Tax Rate	Single Filer: Income Over	Married Filing Jointly: Income Over
2.00%	$0	$0
3.00%	$1,000	$1,000
4.00%	$2,000	$2,000
4.75%	$3,000	$3,000
5.00%	$100,000	$150,000
5.25%	$125,000	$175,000
5.50%	$150,000	$225,000
5.75%	$250,000	$300,000

State Tax = (1,000×0.02) + (1,000×0.03) + (1,000×0.04) + (1,154.67×0.0475)

= 20 + 30 + 40 + 54.82

= 144.82

Description	Amount ($)
Gross monthly pay	4,166.67
Pre‑tax deduction	12.00
Taxable wages	4,154.67
Federal tax (22%)	914.03
State tax (~3.48%)	144.82
City tax	0.00
Social Security (6.2%)	257.09
Medicare (1.45%)	60.23
Total taxes withheld	1,376.17
Post‑tax deduction	500.00
Estimated take‑home	2,288.50

Calculate your Maryland paycheck with Maryland paycheck calculator

3. Missouri

Single Filer

Tax Rate	Taxable Income Over ($)
1.5%	0 – 107
2.0%	108 – 1,073
2.5%	1,074 – 2,146
3.0%	2,147 – 3,219
3.5%	3,220 – 4,292
4.0%	4,293 – 5,365
4.5%	5,366 – 6,438
5.0%	6,439 – 7,511
5.4%	7,512+

Married Filing Jointly

Tax Rate	Taxable Income Over ($)
1.5%	0 – 107
2.0%	108 – 1,073
2.5%	1,074 – 2,146
3.0%	2,147 – 3,219
3.5%	3,220 – 4,292
4.0%	4,293 – 5,365
4.5%	5,366 – 6,438
5.0%	6,439 – 7,511
5.4%	7,512+

State Tax = (107×0.015) + (966×0.02) + (1,073×0.025) + (1,073×0.03) + (935.67×0.035)

= 1.61 + 19.32 + 26.83 + 32.19 + 32.75

= 112.70

Description	Amount ($)
Gross monthly pay	4,166.67
Pre‑tax deduction	12.00
Taxable wages	4,154.67
Federal tax (22%)	914.03
State tax (~2.71%)	112.70
City tax	0.00
Social Security (6.2%)	257.09
Medicare (1.45%)	60.23
Total taxes withheld	1,343. (approx)
Post‑tax deduction	500.00
Estimated take‑home	2,323. (approx)

Calculate your Missouri paycheck with Missouri paycheck calculator

4. Alabama

Single Filer
Tax Rate	Applies to Taxable Income Over
2.00%	$0
4.00%	$500
5.00%	$3,000

Married Filing Jointly
Tax Rate	Applies to Taxable Income Over
2.00%	$0
4.00%	$1,000
5.00%	$6,000

State Tax = (500×0.02) + (2,500×0.04) + (1,154.67×0.05)

= 10 + 100 + 57.73

= 167.73

Description	Amount ($)
Gross monthly pay	4,166.67
Pre‑tax deduction	12.00
Taxable wages	4,154.67
Federal tax (22%)	914.03
State tax (4.03%)	167.73
City tax	0.00
Social Security (6.2%)	257.09
Medicare (1.45%)	60.23
Total taxes withheld	1,399.08
Post‑tax deduction	500.00
Estimated take‑home	2,267.59

Calculate your Alabama paycheck with Alabama paycheck calculator

5. Arizona

Rate	Taxable Income Over
Single Filers
2.59%	$0
3.34%	$27,272
4.17%	$54,544
4.50%	$163,632
8.00%	$250,000
Married Filing Jointly
2.59%	$0
3.34%	$54,544
4.17%	$109,088
4.50%	$327,263
8.00%	$500,000

State Tax = (2,272.67×0.0259) + (1,882×0.0334)

= 58.87 + 62.87

= 121.74

Description	Amount ($)
Gross monthly pay	4,166.67
Pre‑tax deduction	12.00
Taxable wages	4,154.67
Federal tax (22%)	914.03
State tax (2.93%)	121.74
City tax	0.00
Social Security (6.2%)	257.09
Medicare (1.45%)	60.23
Total taxes withheld	1,353.09
Post‑tax deduction	500.00
Estimated take‑home	2,301.58

Calculate your Arizona paycheck with Arizona paycheck calculator

6. North Carolina

Flat rate: 5.25%

State Tax = 4,154.67 × 0.0525 = 218.92

Description	Amount ($)
Gross monthly pay	4,166.67
Pre‑tax deduction	12.00
Taxable wages	4,154.67
Federal tax (22%)	914.03
State tax (5.25%)	218.92
City tax	0.00
Social Security (6.2%)	257.09
Medicare (1.45%)	60.23
Total taxes withheld	1,450.27
Post‑tax deduction	500.00
Estimated take‑home	2,204.40

Calculate your North Carolina paycheck with North Carolina paycheck calculator

7. Ohio

Marginal Rate	Single Filers: Taxable Income Over	Married Filing Jointly: Taxable Income Over
2.850%	$22,150	$22,150
3.326%	$44,250	$44,250
3.802%	$88,450	$88,450
4.413%	$110,650	$110,650
4.797%	$221,300	$221,300

State Tax = (1,845.83×0.02850) + (1,841.67×0.03326) + (467.17×0.03802)

= 52.63 + 61.25 + 17.77

= 131.65

Description	Amount ($)
Gross monthly pay	4,166.67
Pre‑tax deduction	12.00
Taxable wages	4,154.67
Federal tax (22%)	914.03
State tax (3.17%)	131.65
City tax	0.00
Social Security (6.2%)	257.09
Medicare (1.45%)	60.23
Total taxes withheld	1,363.00
Post‑tax deduction	500.00
Estimated take‑home	2,303.67

Calculate your Ohio paycheck with Ohio pay calculator

8. Oklahoma

Tax Rate	Income Over	Calculation
Single Filers
0.5%	$0	0.005 × amount
1.0%	$1,000	0.01 × amount
2.0%	$2,500	0.02 × amount
3.0%	$3,750	0.03 × amount
4.0%	$4,900	0.04 × amount
5.0%	$7,200	0.05 × amount

Tax Rate	Income Over	Calculation
Married Filing Jointly
0.5%	$0	0.005 × amount
1.0%	$2,000	0.01 × amount
2.0%	$5,000	0.02 × amount
3.0%	$7,500	0.03 × amount
4.0%	$9,800	0.04 × amount
5.0%	$12,200	0.05 × amount

State Tax = (83.33×0.005) + (125×0.01) + (104.17×0.02) + (95.83×0.03) + (191.67×0.04) + (3,554.67×0.05)

= 0.42 + 1.25 + 2.08 + 2.87 + 7.67 + 177.73

= 191. (approx)

Description	Amount ($)
Gross monthly pay	4,166.67
Pre‑tax deduction	12.00
Taxable wages	4,154.67
Federal tax (22%)	914.03
State tax (4.60%)	191. (approx)
City tax	0.00
Social Security (6.2%)	257.09
Medicare (1.45%)	60.23
Total taxes withheld	1,422.35
Post‑tax deduction	500.00
Estimated take‑home	2,244.32

Calculate your Oklahoma paycheck with Oklahoma paycheck calculator