What is FICA on my paycheck?
Updated October 8, 2026 · WageSignalsFICA is two federal deductions added together: Social Security and Medicare. Together they are 7.65% of your wages. On a $1,760.00 paycheck that is $109.12 for Social Security and $25.52 for Medicare.
See FICA on my paycheck →The names you will see on your pay stub
FICA SS, FICA OASDI, Social Security or SS: the 6.2% that funds retirement and disability.
FICA MED, Medicare or MED EE: the 1.45% that funds Medicare health insurance.
"EE" means it is the employee share. Your employer pays a matching amount on its own, which does not come out of your check.
How much and for how long
Social Security: 6.2% of your wages, up to $184,500 of earnings in 2026. If you pass that amount during the year, it stops until January.
Medicare: 1.45% of all your wages, with no cap. If you earn more than $200,000 a year, an extra 0.9% applies to the amount above that.
Why your W-4 does not change it
The W-4 only affects federal income tax. FICA is withheld the same from every W-2 employee, whatever the filing status or dependents.
What does lower it
Health and dental insurance, HSA and FSA contributions paid through your employer come out before FICA is figured. A traditional 401(k) does not: it lowers income tax, but FICA is figured on the full wage.
Frequently asked questions
Is FICA the same as federal income tax?
No. Federal income tax withholding is a separate deduction that does depend on your W-4. FICA is Social Security and Medicare.
Do I get FICA back?
Not in your tax refund. What you pay counts toward your future retirement, disability and Medicare benefits.
Official sources
- IRS, Topic no. 751, Social Security and Medicare withholding rates
- IRS, Publication 15 (2026), Employer's Tax Guide