Bi-Weekly · Gross to Net
Bi-Weekly Paycheck Calculator: Gross to Net Paycheck Calculator
Last updated: April 2026
Find out what actually lands in your bank account after federal, state, and FICA taxes. Works for any US state.
Your pay
$
$
Gross Hourly
$0.00
Net Hourly
$0.00
Effective Tax Rate
0%
What's eating your paycheck
Federal
$0.00 · 0% of gross
State
$0.00 · 0% of gross
FICA
$0.00 · 0% of gross
Pre-tax deductions
$0.00 · 0% of gross
3-Paycheck Months
In your 3-paycheck months, you'll take home an extra $0 — about $0 over the year across both 3-paycheck months.
Estimates only. Does not account for local taxes, tax credits, or withholding elections. Consult a tax pro for decisions.
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About This Calculator
This page uses public 2026 federal bracket data and simplified state rules to estimate take-home pay. It is built for quick what-if scenarios — not for filing taxes or disputing payroll. Everything runs locally in your browser.
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Frequently Asked Questions
What is the difference between gross pay and net pay?
Gross pay is your compensation before mandatory taxes and most deductions. Net pay is what lands in your bank account after federal income tax, state income tax (if applicable), FICA, and other payroll deductions. This page estimates taxes only—not every deduction your employer might take.
How does FICA work?
FICA combines Social Security and Medicare employee withholding. Social Security applies at 6.2% up to the IRS wage base. Medicare is 1.45% on covered wages with no wage cap, and an extra 0.9% can apply after higher income thresholds. Employers pay separate matching amounts that do not reduce your take-home.
Why does my take-home pay differ from W-2 Box 1?
Box 1 is federal taxable wages, not take-home cash. Your paycheck subtracts withheld taxes, post-tax benefits, garnishments, and optional contributions that may not reduce Box 1 the same way. Bonuses, year-end true-ups, and cafeteria plan elections also create differences.
How does state tax affect my paycheck?
States set their own rates and brackets (or no income tax). Withholding is usually stacked on federal withholding using state rules. Local income taxes—common in some cities—are not modeled here, so residents in those areas should expect additional withholding not shown.
When should I adjust my W-4 withholding?
Update your Form W-4 when your household income, dependents, spouse's job, or side income changes enough that you are consistently over- or under-withheld. Use the IRS Tax Withholding Estimator for official guidance; this calculator is only a rough parallel.