Why is my paycheck lower than expected?

A smaller paycheck almost always traces to one of nine causes. Compare two recent stubs side-by-side and walk through this checklist.

1. A new W-4. Filing status, dependents, or extra withholding changes shift federal withholding immediately.
2. Year-to-date wages crossed a bracket. A raise or large bonus can push more of this period\'s wages into a higher bracket.
3. Bonus or commission used supplemental withholding. 22% federal flat rate + FICA + state.
4. Benefits enrollment or change. Mid-year health, dental, or vision premium increase.
5. 401(k) percent change. Contribution increase reduces take-home immediately.
6. New garnishment or child support order. CCPA-capped court-ordered deduction.
7. Tax law change. A new tax year, state rate change, or new local tax.
8. Hours, rate, or schedule. Fewer hours, missing overtime, or a rate change in payroll.
9. Payroll error. Less common, but possible — ask payroll for an itemized breakdown.