ADP Paycheck Calculator

No. This is a free tool that works like an ADP-style payroll calculator. It is not built by, owned by, or connected to ADP. It uses the same kind of math that payroll systems use, based on IRS Publication 15-T tables and state tax rules for 2026.

Small gaps are normal. Your employer may use slightly different rounding, a different payroll method, or benefit amounts you did not enter here. Common reasons for a mismatch:

• Deduction amounts on your stub differ from what you typed
• Your employer uses a wage-bracket table instead of the percentage method
• You have imputed income, tips, or a car allowance
• Your year-to-date wages are not entered

Copy the numbers straight off your stub for the closest match.

It is $184,500. You pay 6.2% Social Security tax on wages up to that amount. Once your year-to-date wages pass it, Social Security tax stops for the rest of the year and your paycheck gets bigger. Enter your year-to-date wages so the calculator knows where you stand.

It is an extra 0.9% Medicare tax on high wages. It starts once your wages pass $200,000 for the year if you are single or head of household, $250,000 if married filing jointly, and $125,000 if married filing separately. There is no employer match on this part.

Traditional 401(k) money is taken out before federal income tax, so it lowers your taxable wages. But the law still counts it as wages for Social Security and Medicare. Health, dental, vision, HSA, and FSA deductions are different — those lower both your income tax wages and your FICA wages.

An IRA is not a payroll deduction. Your employer does not lower your taxable wages for it. You claim the deduction later on your tax return. So the calculator subtracts it from your take-home cash but not from the wages used for withholding.

Some states take a small amount for state disability or paid family leave. The calculator adds it automatically for California, Hawaii, New Jersey, New York, Rhode Island, and Washington. Washington has no income tax but still has this deduction, so you may see it even in a no-tax state.

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. If you pick one of these, the calculator sets state income tax to $0 and ignores your state filing status and exemptions.

Yes. Use the Scenario B fields at the bottom. Put the new state and the new pay in Scenario B, then check Show Scenario B comparison. The table and chart show both paychecks side by side, plus the yearly difference in take-home pay.

Pick 2020 or Later if your W-4 has Steps 1 through 5 and asks about dependents and other income. Pick Pre-2020 only if your form on file lists a number of allowances. Each old allowance is worth $4,300 in 2026.

Check the Step 2 box for multiple jobs or a working spouse. That box cuts your standard deduction in half and uses the higher withholding schedule, which is what the IRS wants when two incomes stack up. Without it, you will likely owe money at tax time.

Most employers hold back a flat 22% federal tax on bonuses, plus FICA and state tax. That flat rate is just withholding, not your real tax rate. If your true rate is lower, you get the extra back as a refund. Try the Aggregate method in the calculator to see the other way employers can do it.

It means no Social Security or Medicare tax comes out of your pay. Only a few people qualify, such as some student workers, certain nonresident aliens on F-1, J-1, M-1, or Q-1 visas, and members of some religious groups. Leave the box unchecked unless you know this applies to you.

Your deductions and taxes add up to more than your gross pay. Check that you picked the right frequency in each drop-down. A yearly amount typed as a per-period amount is the most common mistake. For example, $6,000 per year is only $230.77 per bi-weekly check.

• 401(k) and 403(b): $24,500, or $32,500 if you are 50 or older
• Traditional and Roth IRA: $7,500, or $8,600 if you are 50 or older
• HSA: $4,400 self-only, $8,750 family

The calculator warns you if your yearly pace goes over a limit.

Yes. The Employer's Share table lists the matching 6.2% Social Security, 1.45% Medicare, and 0.6% FUTA on the first $7,000 of wages. None of that comes out of your check. It also shows the total cost of your paycheck to your employer.

It compares the federal tax you will have withheld all year against the tax you will likely owe. If withholding is much higher, you are on track for a big refund. If it is lower, you may owe money. Use Step 4(c) to add extra withholding if you are short.

Yes, but enter an average week. The calculator turns your weekly hours into a yearly figure, then splits it by your pay frequency. Run it again with a low week and a high week to see your pay range.

Yes, if you checked Include bonus in this pay period. That box matches the gross shown in the big result card at the top, so both numbers always agree.

They matter a lot. Next to every deduction you can pick /period, /month, or /year. The calculator converts the amount to a per-paycheck figure using your pay frequency. Picking the wrong one is the fastest way to get a wrong answer.

No. All math runs in your browser. Nothing you type is stored or sent to a server. Refresh the page or press Reset and everything goes back to the sample numbers.

Most city and county wage taxes follow the same rules as FICA. They apply to your pay after Section 125 benefits like medical, dental, vision, HSA, and FSA. Check your own city rules, since a few places tax differently.

Yes. Pick Self-Employed / 1099 and enter your yearly income after business costs. The Annual Projection table adds an Estimated Quarterly Payment line. That figure covers federal income tax, self-employment tax, and state and local tax, divided by four.

It does not handle employer 401(k) match, tips reported separately, imputed income from life insurance over $50,000, stock awards, or local rules that differ from your city's flat rate. It is an estimate for planning, not payroll or tax advice.