About NetPayLabs

NetPayLabs is a free collection of US paycheck and tax calculators built for workers who want a straight answer to a simple question: what will actually land in my bank account?

Methodology

Every estimate follows the same auditable steps used throughout the site:

Annualise gross pay from the pay frequency you enter.
Subtract the federal standard deduction for your filing status and apply the IRS graduated brackets.
Apply FICA: Social Security 6.2% up to the annual wage base, Medicare 1.45%, plus the 0.9% Additional Medicare Tax above the statutory thresholds.
Apply your state's 2025 flat rate or brackets after its standard deduction and personal exemption, where they exist.
Split the annual result back into per-paycheck figures, and show the effective and marginal rates.

Sources

Federal brackets and standard deductions: IRS Rev. Proc. 2024-40, as increased by the One Big Beautiful Bill Act (2025).
Social Security wage base ($176,100 for 2025): Social Security Administration.
Overtime and tips deductions: Internal Revenue Code §225 and §224 (One Big Beautiful Bill Act) and IRS Notices 2025-62 and 2025-69.
State rates, brackets, standard deductions and exemptions: Tax Foundation, State Individual Income Tax Rates and Brackets, 2025 (as of January 1, 2025), cross-checked against state tax authority publications.

What we simplify

To stay instant and private (everything runs in your browser), we do not model: your Form W-4 elections and extra withholding; pre-tax deductions such as 401(k) contributions and health premiums; tax credits; state benefit-recapture rules, deduction phase-outs at very high incomes and taxpayer credits that some states substitute for exemptions; or local city/county income taxes. Where a simplification can move the number materially, the state page says so.

Corrections

Spotted a wrong rate or a changed rule? Email contact@netpaylabs.com with the state and a source link — verified corrections are applied to the data files and every affected page is regenerated.

Estimate only — not tax advice. NetPayLabs provides general educational estimates using 2025 federal and state tax parameters, the standard deduction, and simplified state rules. Your actual withholding and tax depend on your W-4, pre-tax deductions (401(k), health premiums), credits, local taxes and your full return. Consult a qualified tax professional for advice about your situation.