Withholding isn't your final tax bill
A bonus is taxed the same as any other income once you file — the flat withholding rate just determines how much is held back now versus refunded or owed later. For your regular paycheck's withholding, see the Take-Home Pay Calculator.
Frequently asked questions
Why does my bonus get taxed so much more than my paycheck?
It usually isn't taxed at a higher rate overall — employers commonly withhold bonuses at a flat 22% federal rate (37% above $1 million), which often withholds more upfront than your regular paycheck's graduated rate. Your actual tax liability is settled when you file, and any over-withholding comes back as a refund.
Is FICA also withheld from a bonus?
Yes — Social Security and Medicare (7.65% combined) apply to bonus pay the same as regular wages, up to the annual Social Security wage base.
Can my employer combine my bonus with a regular paycheck instead?
Some do — under the "aggregate method" a bonus is added to a regular paycheck and withheld at your normal graduated rate instead of the flat 22%. Check your pay stub to see which method your employer used.
Last updated: June 2026