Free Biweekly Paycheck Calculator

The salary calculator will help you automatically calculate your annual salary, weekly salary, and also the number of hours you work per week, the frequency of payments, the taxes of the different states where you are located, in addition to showing you the salary breakdown, it will also provide you with charts to access, all you need to do is to fill out the calculator below to get your answer.

All-in-One Paycheck Calculator

Annual Salary ($)

Hourly Wage ($) Hours per Week Used to calculate yearly salary if only hourly wage is given Pay Frequency How often you receive your paycheck State Used to apply state income tax (default flat rate per state) 401(k) Contribution (%) % of income contributed to retirement savings (optional) Monthly Insurance Deduction ($) Health, dental, or other deductions

How We Ensure Your Calculations Are Accurate at HnKey

Verified Data:In order to ensure that the accuracy of our calculations is our main priority, our team frequently checks the tax information, and policies of the IRS to review our calculations in a timely manner.

Regularly Updated:It is important to note that these data, not our guesses, come from official sources such as the IRS and state tax offices.

Disclaimer: This tool is for estimation purposes only and does not constitute financial advice. Please consult a qualified professional for personalized financial guidance.

Understanding Your Biweekly Paycheck

A biweekly paycheck represents earnings paid every two weeks, typically resulting in 26 pay periods per year. Calculating your take-home pay involves understanding gross income, deductions, and net pay. This guide explains key components, including taxes, and provides clarity on how these are computed to help you accurately estimate your biweekly paycheck.

Gross Pay and Its Role

Gross pay is your total earnings before deductions. For hourly employees, it’s calculated by multiplying hours worked in the two-week period by the hourly rate, plus any overtime pay at times the regular rate for hours over 40 per week, as mandated by the Fair Labor Standards Act. For salaried employees, gross pay is typically annual salary divided by 26 pay periods. Bonuses, commissions, or other incentives may also be included, depending on your employer’s pay structure.

Federal Income Tax Withholding

Federal income tax is withheld based on your taxable income, filing status, and allowances claimed on your Form W-4. The IRS Publication 15-T outlines withholding methods, such as the percentage method or wage bracket method. Employers use your W-4 inputs to determine withholding, considering factors like marital status and dependents. The 2025 federal tax brackets, available on the IRS website, dictate the rate applied to your taxable income, which is gross pay minus pre-tax deductions like retirement contributions.

Social Security and Medicare Taxes

Under the Federal Insurance Contributions Act (FICA), Social Security tax is withheld at of wages up to a 2025 wage base limit (projected around $168,600, pending official SSA confirmation). Medicare tax is withheld at on all wages, with an additional for incomes exceeding $200,000 (single filers) or $250,000 (married filing jointly). These rates are fixed, and employers match these contributions, as detailed in IRS Publication 15.

State and Local Taxes

State income tax withholding varies by state. Some states, like Texas and Florida, have no state income tax, while others, like California, use progressive tax brackets. Local taxes may apply in certain cities or counties. Check your state’s revenue department website or resources like the Tax Foundation for specific rates and rules. Withholding is typically calculated similarly to federal taxes, based on state-specific forms akin to the W-

Other Common Deductions

Beyond taxes, deductions may include health insurance premiums, retirement plan contributions (e.g., 401(k)), and wage garnishments. Pre-tax deductions reduce taxable income, while post-tax deductions, like Roth 401(k) contributions, do not. Review your pay stub to identify these amounts, as they impact your net pay—the amount you take home.

How to Calculate Your Biweekly Paycheck

To estimate your take-home pay, start with gross pay, then subtract federal, FICA, state, and local taxes, plus other deductions. The IRS provides a Tax Withholding Estimator to refine your W-4 and ensure accurate withholding. Paycheck calculators, like the one below, simplify this process by factoring in current tax rates and your specific inputs.

Why Accurate Calculations Matter

Understanding your paycheck helps with budgeting, tax planning, and avoiding surprises during tax season. Over-withholding reduces take-home pay but may result in a refund, while under-withholding could lead to owing taxes. Regularly review your W-4, especially after life changes like marriage or a new job, to align withholding with your tax liability.

Use the calculator below to estimate your biweekly take-home pay based on your income, deductions, and tax situation.

The above information is reviewed by our team of tax experts, all of them have an average of about 10 years of experience in the U.S. tax, if you have any questions, you can submit the form to us, our experts will be within 24 hours, reply to you.

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