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Pay Stub Gross-to-Net Worksheet
An educational gross-to-net worksheet with entered withholding rates and stated Social Security and Medicare rates.
Limitation: Educational worksheet, not a pay stub, payroll calculation, tax advice, or a guarantee of take-home pay.
How to Use the Pay Stub Calculator
Use one pay period and assumptions you can document.
Enter gross pay.
Compare like periods
Do not compare a biweekly calculation with monthly deductions.
What This Pay Stub Estimate Includes
It estimates federal and state withholding from percentages you choose, then applies 6.2% Social Security and 1.45% Medicare to gross pay. It is deliberately not an employer payroll system.
Pay Stub Examples
Simple $4,000 period
Pay-period assumptions
Estimated net
Federal $400, Social Security $248, Medicare $58, and state $200 are subtracted.
Verify your stub
Use the employer-issued pay stub and payroll contact for actual amounts.
Frequently Asked Questions
Still have questions about this calculation?
Try the CalculatorPay Stub Formula
The formula uses transparent percentage assumptions.
Formula
FICA components
Social Security = gross × 0.062; Medicare = gross × 0.0145
Net pay
gross − federal − Social Security − Medicare − state
Scientific Background
IRS employment-tax guidance describes Social Security and Medicare payroll taxes. Actual withholding can differ materially.
Sources & review
Pay Stub Calculator documents the references behind its formulas and assumptions. Always treat results as educational estimates, not personalized professional advice.
Last reviewed
August 2, 2026
IRS digital assets / tax reference
Internal Revenue Service (IRS)
https://www.irs.gov/businesses/small-businesses-self-employed/understanding-employment-taxes
See our methodology and corrections policy.