Use this calculator to estimate your net pay per pay period in Oregon, considering federal and state income taxes, Social Security, Medicare, and common pre-tax deductions.
Enter the total dollar amount from Step 3 of your W-4 form (e.g., $2,000 for a child tax credit). This is not the old "allowances" system.
Additional amount you want withheld from each paycheck (W-4, Step 4c).
Oregon State Withholding (2023 Brackets, 2024 Allowances)
Single
Married Filing Jointly
Head of Household
Number of allowances claimed on your Oregon Form OR-W-4.
Pre-Tax Deductions
Understanding Your Oregon Paycheck
Navigating your paycheck can sometimes feel like deciphering a complex code. This guide and calculator aim to demystify the various deductions that reduce your gross earnings to your final net pay in Oregon.
Gross Pay vs. Net Pay
Your gross pay is the total amount of money you earn before any deductions are taken out. This is typically your hourly wage multiplied by hours worked, or your annual salary divided by your pay periods. Net pay, also known as take-home pay, is the amount you receive after all taxes and deductions have been subtracted.
Key Paycheck Deductions
1. Federal Income Tax
Federal income tax is a mandatory deduction that supports federal government programs. The amount withheld depends on several factors, including your gross pay, filing status (Single, Married Filing Jointly, Head of Household), and the information you provide on your W-4 form (specifically, the amount from Step 3 for dependents/other credits, and any extra withholding requested in Step 4c). The U.S. operates on a progressive tax system, meaning higher earners pay a larger percentage of their income in taxes.
2. FICA Taxes (Social Security & Medicare)
Social Security: This tax funds benefits for retirees, the disabled, and survivors. The current rate is 6.2% of your gross wages, up to an annual income limit (e.g., $168,600 for 2024). Once you earn above this limit in a calendar year, Social Security tax is no longer withheld.
Medicare: This tax funds health insurance for individuals aged 65 or older, and certain younger people with disabilities. The rate is 1.45% of all your gross wages, with no income limit.
Together, Social Security and Medicare are often referred to as FICA (Federal Insurance Contributions Act) taxes.
3. Oregon State Income Tax
Oregon has a progressive state income tax, meaning the tax rate increases as your income rises. The amount withheld depends on your gross pay, your Oregon filing status, and the number of Oregon withholding allowances you claim on your Oregon Form OR-W-4. Oregon also has a unique "kicker" tax refund mechanism, but this is typically handled at tax filing time, not through payroll withholding.
4. Pre-Tax Deductions
These are deductions taken from your gross pay BEFORE taxes are calculated, which can lower your taxable income and thus reduce your tax liability. Common pre-tax deductions include:
401(k) or 403(b) Contributions: Retirement savings plans.
Health, Dental, and Vision Insurance Premiums: Employer-sponsored health benefits.
Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs): Accounts for healthcare or dependent care expenses.
Other Qualified Plans: Such as commuter benefits.
By reducing your taxable income, pre-tax deductions can significantly increase your net pay compared to post-tax deductions of the same amount.
5. Post-Tax Deductions (Not included in this calculator for simplicity)
These deductions are taken AFTER taxes have been calculated. Examples include Roth 401(k) contributions, union dues, garnishments, or certain charitable contributions.
How to Use the Calculator
Gross Pay per Pay Period: Enter your total earnings for one pay period before any deductions.
Pay Frequency: Select how often you get paid (e.g., weekly, bi-weekly).
Federal Withholding:
Filing Status: Choose your federal tax filing status.
Dependents/Other Credits: Enter the total dollar amount from Step 3 of your W-4.
Extra Withholding: Enter any additional federal tax you want withheld per paycheck (from W-4, Step 4c).
Oregon State Withholding:
Filing Status: Choose your Oregon state tax filing status.
Allowances: Enter the number of allowances you claim on your Oregon Form OR-W-4.
Extra Withholding: Enter any additional Oregon state tax you want withheld per paycheck.
Pre-Tax Deductions: Input any amounts for 401(k), health insurance, or other pre-tax deductions.
Click "Calculate Net Pay" to see your estimated take-home pay and a breakdown of deductions.
Disclaimer: This calculator provides estimates for informational purposes only. Actual payroll deductions may vary based on specific employer policies, additional local taxes, and other factors. Consult a tax professional for personalized advice.
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function calculatePaycheckOregon() {
// Input values
var grossPayPerPeriod = parseFloat(document.getElementById('grossPay').value);
var payFrequency = document.getElementById('payFrequency').value;
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var federalAllowances = parseFloat(document.getElementById('federalAllowances').value); // This is W-4 Step 3 amount (credits)
var federalExtraWithholding = parseFloat(document.getElementById('federalExtraWithholding').value);
var oregonFilingStatus = document.getElementById('oregonFilingStatus').value;
var oregonAllowances = parseFloat(document.getElementById('oregonAllowances').value);
var oregonExtraWithholding = parseFloat(document.getElementById('oregonExtraWithholding').value);
var preTax401k = parseFloat(document.getElementById('preTax401k').value);
var healthInsurance = parseFloat(document.getElementById('healthInsurance').value);
var otherPreTaxDeductions = parseFloat(document.getElementById('otherPreTaxDeductions').value);
// Validate inputs
if (isNaN(grossPayPerPeriod) || grossPayPerPeriod < 0) {
document.getElementById('result').innerHTML = 'Please enter a valid Gross Pay per Pay Period.';
return;
}
if (isNaN(federalAllowances) || federalAllowances < 0) federalAllowances = 0;
if (isNaN(federalExtraWithholding) || federalExtraWithholding < 0) federalExtraWithholding = 0;
if (isNaN(oregonAllowances) || oregonAllowances < 0) oregonAllowances = 0;
if (isNaN(oregonExtraWithholding) || oregonExtraWithholding < 0) oregonExtraWithholding = 0;
if (isNaN(preTax401k) || preTax401k < 0) preTax401k = 0;
if (isNaN(healthInsurance) || healthInsurance < 0) healthInsurance = 0;
if (isNaN(otherPreTaxDeductions) || otherPreTaxDeductions < 0) otherPreTaxDeductions = 0;
// Pay period multipliers
var payPeriodsPerYear;
switch (payFrequency) {
case 'weekly': payPeriodsPerYear = 52; break;
case 'bi-weekly': payPeriodsPerYear = 26; break;
case 'semi-monthly': payPeriodsPerYear = 24; break;
case 'monthly': payPeriodsPerYear = 12; break;
default: payPeriodsPerYear = 26; // Default to bi-weekly
}
// Annualize gross pay
var annualGrossPay = grossPayPerPeriod * payPeriodsPerYear;
// Total Pre-Tax Deductions
var totalPreTaxDeductionsPerPeriod = preTax401k + healthInsurance + otherPreTaxDeductions;
var annualPreTaxDeductions = totalPreTaxDeductionsPerPeriod * payPeriodsPerYear;
// Taxable Gross Pay (for income taxes)
var taxableGrossPayPerPeriod = grossPayPerPeriod – totalPreTaxDeductionsPerPeriod;
var annualTaxableGrossPay = annualGrossPay – annualPreTaxDeductions;
if (taxableGrossPayPerPeriod < 0) taxableGrossPayPerPeriod = 0;
if (annualTaxableGrossPay < 0) annualTaxableGrossPay = 0;
// — FICA Taxes (Social Security & Medicare) —
var socialSecurityLimit = 168600; // 2024 limit
var socialSecurityRate = 0.062;
var medicareRate = 0.0145;
var socialSecurityTax = 0;
// Calculate Social Security tax, respecting the annual limit
// This is a simplification for a per-paycheck calculator. A real payroll system tracks YTD earnings.
// We'll cap the gross pay for SS calculation for the current period.
var grossForSSThisPeriod = Math.min(grossPayPerPeriod, socialSecurityLimit / payPeriodsPerYear);
socialSecurityTax = grossForSSThisPeriod * socialSecurityRate;
var medicareTax = grossPayPerPeriod * medicareRate;
// — Federal Income Tax (Simplified Withholding based on 2024 W-4 and tax brackets) —
// This is a simplified approach. Actual IRS Publication 15-T is very complex.
// We'll use a common method: annualize, subtract standard deduction, apply brackets, subtract credits, divide by periods.
var federalStandardDeduction;
var federalTaxBrackets; // [ {rate: X, min: Y, max: Z}, … ]
// 2024 Standard Deductions
if (federalFilingStatus === 'single') {
federalStandardDeduction = 14600;
federalTaxBrackets = [
{ rate: 0.10, min: 0, max: 11600 },
{ rate: 0.12, min: 11601, max: 47150 },
{ rate: 0.22, min: 47151, max: 100525 },
{ rate: 0.24, min: 100526, max: 191950 },
{ rate: 0.32, min: 191951, max: 243725 },
{ rate: 0.35, min: 243726, max: 609350 },
{ rate: 0.37, min: 609351, max: Infinity }
];
} else if (federalFilingStatus === 'married') {
federalStandardDeduction = 29200;
federalTaxBrackets = [
{ rate: 0.10, min: 0, max: 23200 },
{ rate: 0.12, min: 23201, max: 94300 },
{ rate: 0.22, min: 94301, max: 201050 },
{ rate: 0.24, min: 201051, max: 383900 },
{ rate: 0.32, min: 383901, max: 487450 },
{ rate: 0.35, min: 487451, max: 731200 },
{ rate: 0.37, min: 731201, max: Infinity }
];
} else { // Head of Household
federalStandardDeduction = 21900;
federalTaxBrackets = [
{ rate: 0.10, min: 0, max: 16550 },
{ rate: 0.12, min: 16551, max: 63100 },
{ rate: 0.22, min: 63101, max: 100500 },
{ rate: 0.24, min: 100501, max: 191950 },
{ rate: 0.32, min: 191951, max: 243700 },
{ rate: 0.35, min: 243701, max: 609350 },
{ rate: 0.37, min: 609351, max: Infinity }
];
}
var federalTaxableIncome = annualTaxableGrossPay – federalStandardDeduction;
federalTaxableIncome = Math.max(0, federalTaxableIncome);
var annualFederalTax = 0;
for (var i = 0; i bracket.min) {
var taxableInBracket = Math.min(federalTaxableIncome, bracket.max) – bracket.min;
annualFederalTax += taxableInBracket * bracket.rate;
}
}
// Subtract federal allowances (W-4 Step 3) as a direct credit against annual tax liability
annualFederalTax = Math.max(0, annualFederalTax – federalAllowances);
var federalIncomeTax = (annualFederalTax / payPeriodsPerYear) + federalExtraWithholding;
federalIncomeTax = Math.max(0, federalIncomeTax); // Ensure tax is not negative
// — Oregon State Income Tax (Simplified Withholding based on 2023 brackets, 2024 allowances) —
// Oregon uses allowances for withholding that reduce taxable income.
var oregonStandardDeduction;
var oregonAllowanceValue = 230; // 2024 value per allowance
var oregonTaxBrackets; // [ {rate: X, min: Y, max: Z}, … ]
// 2024 Oregon Standard Deductions (based on 2023 values, adjusted for inflation if applicable, but using 2023 for consistency with brackets)
if (oregonFilingStatus === 'single') {
oregonStandardDeduction = 2830;
} else if (oregonFilingStatus === 'married') { // Married Filing Jointly
oregonStandardDeduction = 5660;
} else { // Head of Household (often same as married for OR standard deduction)
oregonStandardDeduction = 5660;
}
// 2023 Oregon Tax Brackets (used for 2024 withholding until new tables are released)
oregonTaxBrackets = [
{ rate: 0.0475, min: 0, max: 3750 },
{ rate: 0.0675, min: 3751, max: 9400 },
{ rate: 0.0760, min: 9401, max: 11250 },
{ rate: 0.0875, min: 11251, max: 14050 },
{ rate: 0.0990, min: 14051, max: 125000 },
{ rate: 0.1030, min: 125001, max: Infinity }
];
var oregonTaxableIncome = annualTaxableGrossPay – oregonStandardDeduction – (oregonAllowances * oregonAllowanceValue);
oregonTaxableIncome = Math.max(0, oregonTaxableIncome);
var annualOregonTax = 0;
for (var i = 0; i bracket.min) {
var taxableInBracket = Math.min(oregonTaxableIncome, bracket.max) – bracket.min;
annualOregonTax += taxableInBracket * bracket.rate;
}
}
var oregonIncomeTax = (annualOregonTax / payPeriodsPerYear) + oregonExtraWithholding;
oregonIncomeTax = Math.max(0, oregonIncomeTax); // Ensure tax is not negative
// — Total Deductions —
var totalDeductionsPerPeriod = totalPreTaxDeductionsPerPeriod + socialSecurityTax + medicareTax + federalIncomeTax + oregonIncomeTax;
// — Net Pay —
var netPayPerPeriod = grossPayPerPeriod – totalDeductionsPerPeriod;
// Format results
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 2,
maximumFractionDigits: 2
});
var resultHTML = '