Free Paycheck Calculator

Calculate your take-home pay after taxes and deductions. Supports USA (all 50 states) and Canada (all provinces). Accurate 2024-2025 tax brackets.

Income Details

$

Pre-tax Deductions (per paycheck)

$
$
$

Your Paycheck Breakdown

Enter your salary details and click Calculate

Paycheck Calculator Guide

Understanding Your Paycheck

Your take-home pay (net pay) is your gross salary minus taxes and deductions. This calculator accounts for federal and state/provincial income taxes, social security contributions, and pre-tax deductions like retirement savings.

🇺🇸 USA Taxes

  • Federal Income Tax: 10% to 37% based on brackets
  • State Income Tax: 0% to 13.3% (varies by state)
  • Social Security: 6.2% (up to $168,600 in 2024)
  • Medicare: 1.45% (+ 0.9% above $200k)

🇨🇦 Canada Taxes

  • Federal Income Tax: 15% to 33% based on brackets
  • Provincial Tax: 4% to 25.75% (varies by province)
  • CPP: 5.95% (up to $68,500 in 2024)
  • EI: 1.66% (up to $63,200 in 2024)

Tax-Free States (USA)

Nine US states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Living in these states means more take-home pay.

Maximize Your Take-Home Pay

Contribute to 401(k)/RRSP: Pre-tax contributions reduce taxable income
Use HSA/FSA (USA): Tax-free healthcare savings
Pre-tax Benefits: Health insurance, transit, dependent care
Adjust Withholding: Update W-4/TD1 to avoid over-withholding

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Need more financial tools? Check out our Invoice Generator for billing, Unit Converter for measurements, or Password Generator for security.

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