Free Paycheck Calculator Biweekly

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 is essential for effective financial planning. A biweekly paycheck calculator helps you estimate your take-home pay after deductions, such as taxes, Social Security, and other withholdings. This guide explains how biweekly pay is calculated, the role of taxes, and key considerations to ensure you have a clear picture of your earnings.

What Is a Biweekly Paycheck?

A biweekly paycheck is issued every two weeks, typically resulting in 26 pay periods per year. Unlike weekly or monthly pay schedules, biweekly pay aligns with a consistent 14-day cycle, offering a balance between frequent payments and manageable payroll processing for employers. To calculate your biweekly pay, you start with your gross income (your salary before deductions) and subtract federal, state, and local taxes, as well as other withholdings like Social Security, Medicare, and retirement contributions.

How Taxes Are Calculated for a Biweekly Paycheck

Taxes are a significant factor in determining your net pay. The amount withheld from your biweekly paycheck depends on several variables, including your income, filing status, and allowances claimed on your IRS Form W-4. Below is an overview of the key taxes and deductions:

Federal Income Tax

Federal income tax is calculated based on your taxable income, which is your gross income minus any pre-tax deductions (e.g., retirement contributions or health insurance premiums). The IRS uses a progressive tax system, meaning higher income levels are taxed at higher rates. For 2025, the federal tax brackets for single filers, as outlined by the IRS, are as follows for annual income:

10% for income up to $11,600
12% for income from $11,601 to $47,150
22% for income from $47,151 to $100,525
24% for income from $100,526 to $191,950
32% for income from $191,951 to $243,725
35% for income from $243,726 to $609,350
37% for income over $609,350

These brackets apply to your annual taxable income, but for biweekly pay, your employer divides your projected annual income by 26 to estimate the tax for each pay period. Adjustments for dependents, credits, or additional income sources can further refine this calculation.

State and Local Taxes

State income tax varies by state, with some states like Texas and Florida having no state income tax, while others, like California and New York, impose rates that can range from 1% to over 13% depending on income. Local taxes, such as city or county taxes, may also apply in certain areas. You can check your state’s tax rates through your state’s revenue department, such as the New York State Department of Taxation and Finance or similar agencies.

Social Security and Medicare (FICA Taxes)

The Federal Insurance Contributions Act (FICA) mandates contributions to Social Security and Medicare. For 2025, the rates are:

Social Security: of your income, up to a wage base limit of $168,600 annually.
Medicare: of all income, with an additional for high earners (above $200,000 for single filers).

These taxes are withheld from each paycheck and matched by your employer. For a biweekly pay period, your employer calculates the portion of your income subject to these rates based on your year-to-date earnings.

Other Deductions

Beyond taxes, your paycheck may reflect deductions for:

Health insurance premiums
Retirement plan contributions (e.g., 401(k) or IRA)
Union dues, wage garnishments, or other voluntary deductions

These vary based on your employment benefits and personal elections. Pre-tax deductions reduce your taxable income, which can lower your overall tax liability.

How a Biweekly Paycheck Calculator Works

A biweekly paycheck calculator simplifies the process by estimating your net pay. You input your gross salary, filing status, allowances, and any additional deductions. The calculator then applies federal and state tax rates, FICA contributions, and other withholdings to provide an accurate estimate of your take-home pay. For example, if you earn $60,000 annually, your gross biweekly pay is approximately $2, ($60,000 ÷ 26). After deductions, your net pay might range from $1,500 to $1,900, depending on your tax situation and benefits.

Official Guidelines and Resources

The IRS Publication 15 (Circular E) provides detailed guidance for employers on withholding taxes, including biweekly tax tables. Employees can use the IRS’s Tax Withholding Estimator to ensure accurate withholdings based on their income and circumstances. For state-specific calculations, refer to your state’s tax authority website, as rules and exemptions vary widely.

Tips for Accurate Paycheck Calculations

To ensure your paycheck aligns with your expectations:

Update Your W-4 Form: Adjust your withholdings after major life events, such as marriage or the birth of a child, to avoid under- or over-withholding.
Account for Bonuses or Overtime: Supplemental income may be taxed at a flat rate (e.g., 22% for federal taxes), which can affect your net pay.
Review Your Pay Stub: Regularly check your pay stub to confirm deductions and ensure accuracy.
Plan for Year-End Adjustments: If you overpay taxes, you may receive a refund; if you underpay, you may owe additional taxes.

Using a reliable biweekly paycheck calculator can help you plan your budget, save for goals, and avoid surprises during tax season. By understanding how taxes and deductions impact your pay, you gain greater control over your finances.

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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