Estimate your net take-home pay in Washington State, factoring in federal taxes, FICA, and Washington-specific deductions like Paid Family & Medical Leave and WA Cares Fund.
Weekly
Bi-weekly
Semi-monthly
Monthly
Federal Withholding Information (Based on W-4)
Single / Married Filing Separately
Married Filing Jointly / Qualifying Widow(er)
Head of Household
Pre-Tax Deductions (Per Pay Period)
Post-Tax Deductions (Per Pay Period)
.calculator-container {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
background-color: #f9f9f9;
padding: 25px;
border-radius: 8px;
box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
max-width: 600px;
margin: 20px auto;
border: 1px solid #eee;
}
.calculator-container h2 {
color: #333;
text-align: center;
margin-bottom: 20px;
font-size: 1.8em;
}
.calculator-container h3 {
color: #555;
margin-top: 25px;
margin-bottom: 15px;
border-bottom: 1px solid #eee;
padding-bottom: 5px;
font-size: 1.3em;
}
.calculator-container p {
color: #666;
text-align: center;
margin-bottom: 25px;
line-height: 1.6;
}
.calc-input-group {
margin-bottom: 15px;
display: flex;
flex-direction: column;
}
.calc-input-group label {
margin-bottom: 7px;
color: #333;
font-weight: bold;
font-size: 0.95em;
}
.calc-input-group input[type="number"],
.calc-input-group select {
padding: 10px 12px;
border: 1px solid #ddd;
border-radius: 5px;
font-size: 1em;
width: 100%;
box-sizing: border-box;
transition: border-color 0.3s ease;
}
.calc-input-group input[type="number"]:focus,
.calc-input-group select:focus {
border-color: #007bff;
outline: none;
box-shadow: 0 0 5px rgba(0, 123, 255, 0.2);
}
button {
background-color: #007bff;
color: white;
padding: 12px 25px;
border: none;
border-radius: 5px;
cursor: pointer;
font-size: 1.1em;
margin-top: 20px;
width: 100%;
transition: background-color 0.3s ease, transform 0.2s ease;
}
button:hover {
background-color: #0056b3;
transform: translateY(-2px);
}
.calculator-result {
margin-top: 30px;
padding: 20px;
background-color: #e9f7ff;
border: 1px solid #cce5ff;
border-radius: 8px;
font-size: 1.1em;
color: #333;
}
.calculator-result h3 {
color: #0056b3;
margin-top: 0;
border-bottom: 1px solid #aed6f1;
padding-bottom: 10px;
margin-bottom: 15px;
font-size: 1.5em;
}
.calculator-result p {
margin-bottom: 8px;
display: flex;
justify-content: space-between;
align-items: center;
padding: 3px 0;
border-bottom: 1px dotted #cce5ff;
}
.calculator-result p:last-of-type {
border-bottom: none;
}
.calculator-result p.total-net-pay {
font-weight: bold;
font-size: 1.2em;
color: #0056b3;
margin-top: 15px;
padding-top: 10px;
border-top: 2px solid #aed6f1;
}
.calculator-result p.total-net-pay span:last-child {
font-weight: bold;
color: #28a745; /* Green for net pay */
font-size: 1.1em;
}
function calculatePaycheck() {
// Input values
var annualSalary = parseFloat(document.getElementById('annualSalary').value);
var payPeriodsPerYear = parseInt(document.getElementById('payFrequency').value);
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var numDependents = parseInt(document.getElementById('numDependents').value);
var numOtherDependents = parseInt(document.getElementById('numOtherDependents').value);
var otherIncomeAdjustments = parseFloat(document.getElementById('otherIncomeAdjustments').value);
var otherDeductionsAdjustments = parseFloat(document.getElementById('otherDeductionsAdjustments').value);
var preTax401k = parseFloat(document.getElementById('preTax401k').value);
var preTaxHealth = parseFloat(document.getElementById('preTaxHealth').value);
var otherPreTax = parseFloat(document.getElementById('otherPreTax').value);
var postTaxDeductions = parseFloat(document.getElementById('postTaxDeductions').value);
// Validate inputs
if (isNaN(annualSalary) || annualSalary < 0) { annualSalary = 0; }
if (isNaN(numDependents) || numDependents < 0) { numDependents = 0; }
if (isNaN(numOtherDependents) || numOtherDependents < 0) { numOtherDependents = 0; }
if (isNaN(otherIncomeAdjustments) || otherIncomeAdjustments < 0) { otherIncomeAdjustments = 0; }
if (isNaN(otherDeductionsAdjustments) || otherDeductionsAdjustments < 0) { otherDeductionsAdjustments = 0; }
if (isNaN(preTax401k) || preTax401k < 0) { preTax401k = 0; }
if (isNaN(preTaxHealth) || preTaxHealth < 0) { preTaxHealth = 0; }
if (isNaN(otherPreTax) || otherPreTax < 0) { otherPreTax = 0; }
if (isNaN(postTaxDeductions) || postTaxDeductions < 0) { postTaxDeductions = 0; }
// Calculate gross pay per period
var grossPayPerPeriod = annualSalary / payPeriodsPerYear;
// Calculate total pre-tax deductions per period
var totalPreTaxDeductionsPerPeriod = preTax401k + preTaxHealth + otherPreTax;
// Taxable gross pay for federal income tax calculation (annualized)
var annualTaxableGrossForFIT = annualSalary – (totalPreTaxDeductionsPerPeriod * payPeriodsPerYear);
// Adjust for other income/deductions for annual FIT calculation
annualTaxableGrossForFIT += otherIncomeAdjustments;
annualTaxableGrossForFIT -= otherDeductionsAdjustments;
// — Federal Income Tax (FIT) Calculation (Simplified 2024 W-4 based) —
var standardDeduction = 0;
var taxBrackets = []; // [ {rate, min (exclusive), max (inclusive)} ]
switch (federalFilingStatus) {
case 'single':
standardDeduction = 14600;
taxBrackets = [
{ rate: 0.10, min: 0, max: 11600 },
{ rate: 0.12, min: 11600, max: 47150 },
{ rate: 0.22, min: 47150, max: 100525 },
{ rate: 0.24, min: 100525, max: 191950 },
{ rate: 0.32, min: 191950, max: 243725 },
{ rate: 0.35, min: 243725, max: 609350 },
{ rate: 0.37, min: 609350, max: Infinity }
];
break;
case 'married':
standardDeduction = 29200;
taxBrackets = [
{ rate: 0.10, min: 0, max: 23200 },
{ rate: 0.12, min: 23200, max: 94300 },
{ rate: 0.22, min: 94300, max: 201050 },
{ rate: 0.24, min: 201050, max: 383900 },
{ rate: 0.32, min: 383900, max: 487450 },
{ rate: 0.35, min: 487450, max: 731200 },
{ rate: 0.37, min: 731200, max: Infinity }
];
break;
case 'hoh': // Head of Household
standardDeduction = 21900;
taxBrackets = [
{ rate: 0.10, min: 0, max: 16550 },
{ rate: 0.12, min: 16550, max: 63100 },
{ rate: 0.22, min: 63100, max: 100500 },
{ rate: 0.24, min: 100500, max: 191950 },
{ rate: 0.32, min: 191950, max: 243700 },
{ rate: 0.35, min: 243700, max: 609350 },
{ rate: 0.37, min: 609350, max: Infinity }
];
break;
}
// Apply standard deduction to get annual taxable income for brackets
var annualTaxableIncomeForBrackets = annualTaxableGrossForFIT – standardDeduction;
if (annualTaxableIncomeForBrackets < 0) { annualTaxableIncomeForBrackets = 0; }
// Calculate annual tax liability using progressive brackets
var annualFederalTaxLiability = 0;
for (var i = 0; i bracketStart) {
var taxableInThisSegment = 0;
if (bracketEnd === Infinity) { // If it's the last bracket
taxableInThisSegment = annualTaxableIncomeForBrackets – bracketStart;
} else {
taxableInThisSegment = Math.min(annualTaxableIncomeForBrackets, bracketEnd) – bracketStart;
}
annualFederalTaxLiability += taxableInThisSegment * rate;
}
}
// Apply credits
var childTaxCredit = numDependents * 2000; // Max $2000 per qualifying child
var otherDependentCredit = numOtherDependents * 500; // Max $500 per other dependent
var totalCredits = childTaxCredit + otherDependentCredit;
annualFederalTaxLiability = Math.max(0, annualFederalTaxLiability – totalCredits);
var federalIncomeTaxPerPeriod = annualFederalTaxLiability / payPeriodsPerYear;
if (federalIncomeTaxPerPeriod additionalMedicareThreshold) {
annualAdditionalMedicareTax = (annualGrossForFICA – additionalMedicareThreshold) * additionalMedicareTaxRate;
}
var socialSecurityTaxPerPeriod = annualSocialSecurityTax / payPeriodsPerYear;
var medicareTaxPerPeriod = (annualMedicareTax + annualAdditionalMedicareTax) / payPeriodsPerYear;
// — Washington State Taxes —
// WA Paid Family & Medical Leave (PFML) – Employee share 0.58% of gross wages, no cap (2024)
var waPFMLRate = 0.0058;
var waPFMLTaxPerPeriod = grossPayPerPeriod * waPFMLRate;
// WA Cares Fund (Long-Term Care) – Employee share 0.58% of gross wages, no cap (2024)
var waCaresRate = 0.0058;
var waCaresTaxPerPeriod = grossPayPerPeriod * waCaresRate;
// — Total Deductions —
var totalFederalTaxesPerPeriod = federalIncomeTaxPerPeriod + socialSecurityTaxPerPeriod + medicareTaxPerPeriod;
var totalStateTaxesPerPeriod = waPFMLTaxPerPeriod + waCaresTaxPerPeriod;
var totalDeductionsPerPeriod = totalPreTaxDeductionsPerPeriod + totalFederalTaxesPerPeriod + totalStateTaxesPerPeriod + postTaxDeductions;
// — Net Pay —
var netPayPerPeriod = grossPayPerPeriod – totalDeductionsPerPeriod;
// Display results
var resultDiv = document.getElementById('result');
resultDiv.innerHTML = `
Your Estimated Paycheck
Gross Pay per Period:$${grossPayPerPeriod.toFixed(2)}Total Pre-Tax Deductions:$${totalPreTaxDeductionsPerPeriod.toFixed(2)}Federal Income Tax:$${federalIncomeTaxPerPeriod.toFixed(2)}Social Security Tax:$${socialSecurityTaxPerPeriod.toFixed(2)}Medicare Tax:$${medicareTaxPerPeriod.toFixed(2)}WA Paid Family & Medical Leave:$${waPFMLTaxPerPeriod.toFixed(2)}WA Cares Fund (Long-Term Care):$${waCaresTaxPerPeriod.toFixed(2)}Total Post-Tax Deductions:$${postTaxDeductions.toFixed(2)}Estimated Net Pay per Period:$${netPayPerPeriod.toFixed(2)}Note: This is an estimate based on 2024 tax laws and simplified W-4 calculations. Actual withholdings may vary. Consult a tax professional for personalized advice.
`;
}
// Run calculation on page load with default values
window.onload = calculatePaycheck;
Understanding Your Washington State Paycheck
Navigating your paycheck can sometimes feel like deciphering a complex code. For residents of Washington State, understanding the various deductions is crucial, especially since Washington has unique state-level contributions in addition to federal taxes. This guide and our Washington Paycheck Calculator aim to demystify your earnings and help you understand where your money goes.
How Your Paycheck is Calculated
Your net pay (what you actually take home) is determined by subtracting various deductions from your gross pay. These deductions fall into several categories:
Pre-Tax Deductions: These are amounts taken out of your gross pay before taxes are calculated. Common examples include contributions to a 401(k) or 403(b) retirement plan, health insurance premiums, and Flexible Spending Account (FSA) contributions. Because these reduce your taxable income, they can lower your overall tax burden.
Federal Taxes: These are mandatory contributions to the U.S. government.
Federal Income Tax (FIT): This is based on your income, filing status (Single, Married Filing Jointly, Head of Household), and any adjustments or credits you claim on your W-4 form. The U.S. operates on a progressive tax system, meaning higher earners pay a higher percentage of their income in taxes.
Social Security Tax (FICA): This funds retirement, disability, and survivor benefits. Employees contribute 6.2% of their gross wages up to an annual wage base limit (e.g., $168,600 for 2024).
Medicare Tax (FICA): This funds hospital insurance for the elderly and disabled. Employees contribute 1.45% of all gross wages, with no wage limit. An additional 0.9% Medicare tax applies to wages above certain thresholds ($200,000 for single filers, $250,000 for married filing jointly).
Washington State-Specific Deductions: Unlike many states, Washington does not have a state income tax. However, it does have other mandatory contributions:
Washington Paid Family & Medical Leave (PFML): This program provides paid leave for qualifying family and medical reasons. Employees contribute a percentage of their gross wages (0.58% for 2024, employee share). There is no wage cap for this contribution.
WA Cares Fund (Long-Term Care): This is a state-run long-term care insurance program. Employees contribute a percentage of their gross wages (0.58% for 2024). There is no wage cap for this contribution.
Post-Tax Deductions: These are amounts taken out of your pay after all applicable taxes have been calculated. Examples include Roth 401(k) contributions, union dues, garnishments, or certain charitable contributions.
Key Factors Affecting Your Take-Home Pay
Gross Salary: Your total earnings before any deductions.
Pay Frequency: How often you get paid (weekly, bi-weekly, semi-monthly, monthly). This affects the amount deducted per paycheck.
Federal W-4 Information: Your filing status, number of dependents, and any additional withholding or deductions you specify directly impact your federal income tax.
Pre-Tax Deductions: The more you contribute to pre-tax accounts (like a 401(k) or health insurance), the lower your taxable income, potentially reducing your federal income tax.
Washington State Contributions: The PFML and WA Cares Fund contributions are mandatory for most employees in Washington and are calculated as a percentage of your gross wages.
Post-Tax Deductions: These reduce your net pay but do not affect your taxable income.
Using the Washington Paycheck Calculator
Our calculator simplifies the process of estimating your net pay. Simply input your annual gross salary, select your pay frequency, provide your federal withholding details, and enter any pre-tax or post-tax deductions. The calculator will then break down your estimated federal income tax, FICA contributions, Washington state-specific deductions, and ultimately, your take-home pay per period.
Remember, this calculator provides an estimate. Actual withholdings can vary based on specific employer payroll systems, changes in tax laws, or individual circumstances. For precise financial planning, always consult with a qualified tax professional.