Paycheck & Take-Home Pay Calculator
Estimate your net pay after 2026 federal income tax, Social Security, Medicare and state income tax.
Uses 2026 IRS brackets (Rev. Proc. 2025-32), the 2026 Social Security wage base and 2026 state tax tables. Last reviewed October 4, 2026. Sources · Methodology
How your take-home pay is calculated
The calculator converts your pay to an annual figure, then removes four things in order: pre-tax deductions, federal income tax, payroll (FICA) taxes and state income tax. What is left is divided back into the pay period you chose.
- Annual gross pay. Monthly pay is multiplied by 12, semi-monthly by 24, bi-weekly by 26, weekly by 52, and hourly pay by hours per week × 52.
- Pre-tax deductions. Amounts such as traditional 401(k) contributions are subtracted before income tax is worked out.
- Federal income tax. The 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household) is subtracted, and the rest is taxed through the brackets below.
- FICA. Social Security is 6.2% of wages up to $184,500. Medicare is 1.45% of all wages, plus 0.9% on wages above $200,000 ($250,000 for joint filers).
- State income tax. Your state's own deduction, exemption and brackets are applied to the same income.
2026 federal income tax brackets
Federal income tax is marginal: each rate applies only to the slice of taxable income inside its band, not to your whole income.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,775 – $256,200 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
Worked example: $75,000 salary, single filer, no state income tax
- Taxable income: $75,000 − $16,100 standard deduction = $58,900
- Federal income tax through the 10%, 12% and 22% bands: $7,670
- Social Security (6.2%): $4,650
- Medicare (1.45%): $1,087.50
- Take-home pay: $61,593 a year, or about $2,369 every two weeks (82% of gross)
Take-home pay at common salaries
| Salary | Federal tax | FICA | Take-home / year | Per month |
|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $34,320 | $2,860 |
| $60,000 | $5,020 | $4,590 | $50,390 | $4,199 |
| $80,000 | $8,770 | $6,120 | $65,110 | $5,426 |
| $100,000 | $13,170 | $7,650 | $79,180 | $6,598 |
| $150,000 | $24,734 | $11,475 | $113,791 | $9,483 |
What this estimate leaves out
- Tax credits such as the Child Tax Credit or Earned Income Tax Credit.
- Local income taxes charged by some cities, counties and school districts.
- State payroll programs such as disability or paid family leave insurance.
- Itemized deductions and income other than wages.
- Head of household state tables. State data is published for single and joint filers, so head of household uses the single table for state tax.
Paycheck calculator by state
Each state page shows that state's 2026 brackets, deductions and take-home pay at several salaries.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Frequently asked questions
How accurate is this paycheck calculator?
It applies the published 2026 federal brackets, standard deduction, Social Security wage base and each state's most recently published income tax table (2026 for most states, 2025 thresholds for a few that had not yet published). It does not know your W-4 elections, tax credits, local income taxes or itemized deductions, so treat the result as an estimate rather than the exact figure on your pay stub.
What is the difference between gross pay and net pay?
Gross pay is what you earn before anything is taken out. Net pay, or take-home pay, is what reaches your bank account after pre-tax deductions, federal income tax, Social Security, Medicare and state income tax.
Do 401(k) contributions reduce Social Security and Medicare tax?
No. Traditional 401(k) contributions lower your federal income tax, but Social Security and Medicare are still charged on that pay. Health insurance premiums paid through an employer cafeteria plan usually reduce both. This calculator charges FICA on your full gross pay, which is the more cautious assumption.
Which states have no income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wage income. Washington taxes certain long-term capital gains only.
Why is my real paycheck different from the estimate?
Common reasons are employer withholding based on your W-4, local or city income taxes, state disability or paid-leave insurance, bonuses taxed at a flat supplemental rate, and benefit deductions that are not entered here.
Related guides
- 2026 Federal Tax Brackets and Standard Deduction, Explained The 2026 federal income tax brackets and standard deduction for single, joint and head of household filers, with a worked example of how marginal rates apply.
- The 9 States With No Income Tax on Wages in 2026 Which nine states do not tax wages in 2026, how much that saves on a $75,000 salary, and the sales taxes those states charge instead.
Sources
- IRS: tax inflation adjustments for tax year 2026 (Revenue Procedure 2025-32)
- IRS Revenue Procedure 2025-32 (PDF)
- Social Security Administration: contribution and benefit base
- Tax Foundation: state individual income tax rates and brackets, 2026
Last reviewed October 4, 2026. Results are estimates; see our methodology and disclaimer.