How to Fill Out the 2025 W-4
Walk step-by-step through the latest form with real examples so your withholding stays accurate.
Paycheck Calculator
Calculate your take‑home pay in seconds.
Accurate for all 50 US states + DC. Supports hourly and salary, overtime, deductions, and 8 pay frequencies.
Free download • No account • Works offline
- Downloads
- 500k+
- 5-Star Reviews
- 20k+
- Google Play Rating
- 4.7
- App Store Rating
- 4.9
See It in Action
Why Choose Paycheck Calculator?
Accurate Calculations
Real‑time net income with decimal precision. Instant updates as you type.
All 50 States + DC
Accurate federal and state taxes for all US jurisdictions, updated for 2025.
Overtime Support
Multiple overtime rates (1.5x, 2x, custom) with unlimited entries.
Comprehensive Deductions
Pre‑tax and post‑tax deductions, including 401(k), health insurance, HSA, FSA, and more.
8 Pay Frequencies
Daily, Weekly, Biweekly, Semimonthly, Monthly, Quarterly, Semiannual, and Yearly.
Privacy First
Your data stays on your device. No account, no tracking, works offline.
Complete Feature Set
Income Configuration
- Hourly mode with hours worked entry
- Salary mode with annual amount
- Multiple overtime rate tiers
- Commission and bonus tracking
- Tips and additional income
- Taxable/non-taxable categorization
Tax Calculations
- Federal income tax with progressive brackets
- Social Security tax (FICA)
- Medicare tax with additional tax for high earners
- State income tax for all jurisdictions
- Withholding allowances (0–20)
- Single or Married filing status
Deductions Management
- 401(k) and Roth 401(k) contributions
- Health, dental, vision insurance
- HSA and FSA contributions
- Garnishments and union dues
- Percentage or fixed dollar amounts
- Custom deduction names
User Experience
- Dark and Light modes
- Automatic data persistence
- Swipe to edit
- Undo option for removals
- Clean, intuitive interface
- Responsive on all screen sizes
Paycheck Breakdown
- Gross income display
- Pre-tax deductions total
- Federal, state, FICA taxes
- Post-tax deductions total
- Non-taxable additional income
- Final net income (take‑home pay)
Use Cases
- Calculate take‑home for job offers
- Compare salary scenarios
- Plan tax withholdings
- Budget based on net income
- Optimize overtime hours
- Payroll verification
Full US Coverage
Accurate state tax calculations for all 50 states plus the District of Columbia
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
DC
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
What Our Users Say
Join 500k+ users who trust Paycheck Calculator
★★★★★
"I love the simplicity and barebones productivity of this app! This app has one assignment and does it exceedingly well. I use it to quickly and accurately predict my paychecks based on hours worked, including overtime. Outstanding for financial planning!"
★★★★★
"My friend does taxes and recommended this to me to determine what my checks *might* look like and it honestly really helped. It's not 100% accurate but it's only ever off by coin amount and if more, the most I've noticed is about $50."
★★★★★
"Very accurate! When I first used the app and put in my info, it was so close to what I was actually paid! Almost down to the last penny! The app is very easy to use, has a simple UI. I also love how the app takes local and state taxes into account."
★★★★★
"I love this! It's a simple calculator, and doesn't ask you to link your bank account to calculate your pay. You can enter the numbers from your last pay stub, then just change the hours to see what your gross/net will be. It's accurate, reliable, doesn't glitch (i've been using it for 6 months)... love it!"
★★★★★
"I've been using this app for years and it's never let me down. It's a great app. I suggest this app to everyone that's looking to get an estimate of your paycheck. Since I've been using it, it's only been maybe five dollars off. All in all, great app."
★★★★★
"Been using the same app for years, it's pretty much moved in as an essential. Takes care of all the taxes and shows your gross vs actual paycheck. Not much else to say lol just works and has never had any issues."
Frequently Asked Questions
Does Paycheck Calculator work for hourly and salaried pay?
Yes. Switch between Hourly and Salary modes instantly so every paycheck scenario matches the way you get paid.
Which pay frequencies can I choose?
Pick Daily, Weekly, Biweekly, Semimonthly, Monthly, Quarterly, Semiannual, or Yearly schedules to mirror your employer.
How accurate are the tax and withholding estimates?
The app keeps federal brackets, Social Security and Medicare thresholds, and all 50 state tax tables current so take-home results stay in sync with payroll.
Can I model deductions and other adjustments?
Add unlimited pre‑tax and post‑tax deductions: 401(k), HSA, FSA, insurance, garnishments, and custom line items to see how each change shifts take-home pay.
How do overtime rates work?
Create multiple overtime entries with built-in 1.5x, 2x, or custom multipliers so weekend shifts and holidays calculate correctly.
Does it support bonuses, commissions, and tips?
Yes. Track supplemental income alongside regular wages and mark items as taxable or non-taxable for precise withholding.
Will my scenarios be saved between sessions?
Your inputs auto-save locally after one second of inactivity, so the app reopens with every deduction and overtime entry intact.
Is my information private?
All data stays on your device. No account, no tracking, and the calculator works entirely offline for maximum privacy.
Guides & Deep Dives
Use the blog to master withholding, overtime, and every part of your paycheck.
How 401(k) Contributions Change Net Pay
See how traditional and Roth 401(k) deposits shift taxable wages and what to adjust on your W-4.
Overtime and Bonus Tax Methods
Compare flat-rate versus aggregate withholding on supplemental pay and model the impact instantly.
Paycheck 101: Gross vs. Net
Understand every deduction: federal, state, FICA, and benefits and how they reduce take-home pay.
Calculate Your Take‑Home Pay Now
Free download • No account • Works offline