Employee Paycheck Calculator
Use this calculator to estimate your net pay after taxes and deductions. Simply enter your hourly wage and hours worked, or your gross salary per pay period, along with applicable tax rates and deductions.
Your Paycheck Summary
Gross Pay:
$0.00
Social Security Tax (6.2%):
$0.00
Medicare Tax (1.45%):
$0.00
Federal Income Tax:
$0.00
State Income Tax:
$0.00
Total Taxes:
$0.00
Total Deductions:
$0.00
Net Pay:
$0.00
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font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
max-width: 700px;
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function calculatePaycheck() {
// Constants for tax rates
var SOCIAL_SECURITY_RATE = 0.062;
var MEDICARE_RATE = 0.0145;
// Get input values
var hourlyRate = parseFloat(document.getElementById("hourlyRate").value) || 0;
var regularHours = parseFloat(document.getElementById("regularHours").value) || 0;
var overtimeHours = parseFloat(document.getElementById("overtimeHours").value) || 0;
var overtimeMultiplier = parseFloat(document.getElementById("overtimeMultiplier").value) || 1.5; // Default to 1.5x
var salaryPerPeriod = parseFloat(document.getElementById("salaryPerPeriod").value) || 0;
var federalTaxRate = parseFloat(document.getElementById("federalTaxRate").value) || 0;
var stateTaxRate = parseFloat(document.getElementById("stateTaxRate").value) || 0;
var healthInsuranceDeduction = parseFloat(document.getElementById("healthInsuranceDeduction").value) || 0;
var retirementDeduction = parseFloat(document.getElementById("retirementDeduction").value) || 0;
var otherDeduction = parseFloat(document.getElementById("otherDeduction").value) || 0;
var grossPay = 0;
// Determine gross pay based on input type
if (hourlyRate > 0 && regularHours > 0) {
// Calculate gross pay for hourly employees
var regularPay = hourlyRate * regularHours;
var overtimePay = hourlyRate * overtimeMultiplier * overtimeHours;
grossPay = regularPay + overtimePay;
} else if (salaryPerPeriod > 0) {
// Use provided salary per period for salaried employees
grossPay = salaryPerPeriod;
} else {
// If neither hourly nor salaried input is valid, set gross pay to 0
grossPay = 0;
}
// Calculate taxes
var socialSecurityTax = grossPay * SOCIAL_SECURITY_RATE;
var medicareTax = grossPay * MEDICARE_RATE;
var federalTax = grossPay * (federalTaxRate / 100);
var stateTax = grossPay * (stateTaxRate / 100);
var totalTaxes = socialSecurityTax + medicareTax + federalTax + stateTax;
// Calculate total deductions
var totalDeductions = healthInsuranceDeduction + retirementDeduction + otherDeduction;
// Calculate net pay
var netPay = grossPay – totalTaxes – totalDeductions;
// Display results
document.getElementById("grossPayResult").innerText = "$" + grossPay.toFixed(2);
document.getElementById("socialSecurityTaxResult").innerText = "$" + socialSecurityTax.toFixed(2);
document.getElementById("medicareTaxResult").innerText = "$" + medicareTax.toFixed(2);
document.getElementById("federalTaxResult").innerText = "$" + federalTax.toFixed(2);
document.getElementById("stateTaxResult").innerText = "$" + stateTax.toFixed(2);
document.getElementById("totalTaxesResult").innerText = "$" + totalTaxes.toFixed(2);
document.getElementById("totalDeductionsResult").innerText = "$" + totalDeductions.toFixed(2);
document.getElementById("netPayResult").innerText = "$" + netPay.toFixed(2);
}
// Initial calculation on page load for default values
document.addEventListener('DOMContentLoaded', calculatePaycheck);
Understanding Your Paycheck: A Comprehensive Guide
An employee paycheck calculator is an essential tool for understanding how your gross earnings translate into the net amount you actually take home. Many factors influence your final pay, including your pay rate, hours worked, various taxes, and voluntary deductions. This guide will break down each component to help you better comprehend your earnings.
What is Gross Pay?
Gross pay is the total amount of money an employee earns before any deductions are taken out. For hourly employees, this is calculated by multiplying their hourly rate by the number of regular hours worked, plus any overtime pay. Overtime is typically paid at 1.5 times the regular hourly rate for hours worked beyond a standard workweek (e.g., 40 hours). For salaried employees, gross pay is their fixed salary amount for a specific pay period (e.g., bi-weekly, monthly).
Example: If you earn $25 per hour, work 80 regular hours, and 5 overtime hours (at 1.5x), your gross pay would be:
- Regular Pay: $25/hour * 80 hours = $2,000
- Overtime Pay: $25/hour * 1.5 * 5 hours = $187.50
- Total Gross Pay: $2,000 + $187.50 = $2,187.50
Understanding Payroll Taxes
Taxes are mandatory deductions from your gross pay. They fund various government programs and services. The primary taxes deducted from your paycheck include:
- Social Security Tax: This is part of the Federal Insurance Contributions Act (FICA) tax. It funds retirement, disability, and survivor benefits. The current rate is 6.2% of your gross pay, up to an annual income limit.
- Medicare Tax: Also part of FICA, Medicare tax funds health insurance for the elderly and disabled. The current rate is 1.45% of your gross pay, with no income limit.
- Federal Income Tax: This tax is levied by the U.S. federal government based on your income, filing status, and the allowances you claim on your W-4 form. The amount withheld depends on your earnings and the tax brackets. Our calculator uses a simplified percentage for estimation.
- State Income Tax: Most states also levy an income tax. The rates and rules vary significantly by state, with some states having no state income tax at all.
Example (using the previous gross pay of $2,187.50):
- Social Security Tax (6.2%): $2,187.50 * 0.062 = $135.63
- Medicare Tax (1.45%): $2,187.50 * 0.0145 = $31.72
- Federal Income Tax (estimated 15%): $2,187.50 * 0.15 = $328.13
- State Income Tax (estimated 5%): $2,187.50 * 0.05 = $109.38
- Total Taxes: $135.63 + $31.72 + $328.13 + $109.38 = $604.86
Common Deductions
Beyond taxes, various other deductions can be taken from your paycheck. These can be mandatory (like wage garnishments) or voluntary (like benefits contributions). Common voluntary deductions include:
- Health Insurance Premiums: Your share of the cost for health, dental, or vision insurance plans.
- Retirement Contributions: Contributions to plans like a 401(k), 403(b), or IRA, often pre-tax, which reduces your taxable income.
- Other Deductions: This can include union dues, life insurance premiums, flexible spending account (FSA) contributions, or commuter benefits.
Example (using previous gross pay and taxes, with example deductions):
- Health Insurance Deduction: $150.00
- Retirement Contribution: $100.00
- Other Deductions: $25.00
- Total Deductions: $150.00 + $100.00 + $25.00 = $275.00
Calculating Your Net Pay
Net pay, also known as take-home pay, is the amount of money you receive after all taxes and deductions have been subtracted from your gross pay. It's the final amount that gets deposited into your bank account or paid to you via check.
Formula: Net Pay = Gross Pay – Total Taxes – Total Deductions
Example (continuing from above):
- Gross Pay: $2,187.50
- Total Taxes: $604.86
- Total Deductions: $275.00
- Net Pay: $2,187.50 – $604.86 – $275.00 = $1,307.64
How to Use the Calculator
To use the employee paycheck calculator effectively:
- Enter Your Pay Details: If you're paid hourly, input your hourly rate, regular hours, and any overtime hours. If you're salaried, enter your gross salary for the specific pay period.
- Input Tax Rates: Provide your estimated federal and state income tax rates. These can often be found on your pay stub or by consulting tax resources.
- Add Deductions: Enter any amounts deducted for health insurance, retirement contributions, or other regular deductions.
- Click "Calculate Paycheck": The calculator will instantly display your gross pay, individual tax amounts, total deductions, and your final net pay.
This calculator provides an estimate. Your actual paycheck may vary slightly due to specific company policies, additional local taxes, or other unique deductions. Always refer to your official pay stub for precise figures.