FICA Calculator
The two lines on your stub labelled Social Security and Medicare, calculated exactly: 6.2% up to the 2026 wage base, 1.45% on everything, the 0.9% surtax if you clear $200,000, and the doubled rate if you work for yourself.
Your Wages
2026 rates: 6.2% Social Security to $184,500.00, 1.45% Medicare, plus 0.9% above $200,000.00.
Why FICA Feels Bigger on an Overtime Week
FICA is flat, so it never jumps into a higher band — but it is charged on gross wages with almost no deductions allowed. On a heavy overtime week the dollar amount rises in step with your hours, and because a traditional 401(k) does not shelter Social Security or Medicare wages, there is no way to trim it the way you can trim income tax.
Pair this with the federal tax calculator for the bracket side, then the take home pay calculator for the full picture. Working out gross first? Use the gross pay calculator or the shift differential calculator. The FICA guide covers the wage base and surtax in detail.
FICA Calculator FAQ
Calculate Overtime by State
Select your state for accurate 2026 overtime calculations