Paycheck Deductions Explained: Federal, State, FICA (2026)

"What's taken out of my paycheck?" is one of the most common questions. Here’s what typically gets withheld in the US: federal income tax, state income tax (in most states), Social Security, and Medicare—and how to see your exact take-home.

What Gets Withheld From Your Paycheck?

1. Federal income tax – Based on your income, filing status, and allowances. Your employer uses the IRS withholding tables.
2. State income tax – In 41 states (plus DC); 9 states have no state income tax on wages.
3. Social Security (FICA) – 6.2% on wages up to the wage base ($168,600 for 2025; adjusted for 2026).
4. Medicare – 1.45% on all wages; an extra 0.9% on wages above $200,000 (single) for Additional Medicare Tax.

How Much Is Withheld? (Rough Percentages)

For many full-time employees, total withholdings (federal + state + FICA) often land in the 20–35% range of gross pay, depending on income and state. The only way to know your exact number is to run your salary through a calculator.

Calculate Your Exact Paycheck (2026)

US Tax Calculator – see every deduction and your take-home →

Enter your salary, state, filing status, and pay frequency. You’ll see federal tax, state tax, Social Security, Medicare, and net pay so you know exactly what’s taken out.

Why Your First Paycheck Might Look Small

• Withholding is front-loaded in some setups (e.g. annualized over full year).
• Benefit deductions (health insurance, 401k, etc.) are on top of tax.
• Partial pay period if you started mid-cycle.

See your take-home after all deductions →

*Withholding rules are for 2026. For advice specific to your situation, consult a tax professional.*