North Dakota state income tax withholding, federal income tax, Social Security, and Medicare can all reduce your paycheck before it reaches your bank account. Health insurance, traditional 401(k), HSA, and FSA deductions may reduce taxable wages when they are pre-tax.
Roth contributions, garnishments, and some insurance or benefit deductions may be post-tax and still lower the final check.
Overtime, bonuses, commissions, shift differentials, oilfield pay, agricultural work, seasonal work, irregular pay periods, federal W-4 settings, payroll timing, employer payroll software, and employer setup can all make actual North Dakota paychecks differ from this estimate. Employer payroll taxes are not employee paycheck deductions.