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Social Security tax on your paycheck

Social Security tax (OASDI) is 6.2% of your wages up to the annual wage base. In 2025, that base is $176,100. Your employer matches 6.2%.

How it works

Each pay period, 6.2% of your gross taxable wages (after pre-tax deductions like HSA and Section 125 health premiums) is withheld for Social Security. The withholding stops once your year-to-date wages cross $176,100. The threshold resets each January 1.

What to check on your stub

  • The Social Security line should equal 6.2% × FICA-taxable wages.
  • If you have multiple jobs, each employer withholds independently — you may overpay across the year. Excess is reconciled on your tax return.
  • Pre-tax health insurance and HSA reduce your FICA-taxable wages. Traditional 401(k) does not.

Official sources

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