Tax year 2026 · Updated
Paycheck Calculator
See what you take home after federal income tax, Social Security and Medicare. Pick your state below for state and local taxes too; every number is traced to an IRS or state source.
Federal-only estimate. This national calculator excludes state and local taxes and state payroll programs. Choose your state below to include its supported deductions.
Annual and monthly figures assume the entered pay repeats for a full year. Wage caps are averaged across those paychecks; year-to-date pay and deductions are not tracked.
| Line | Per paycheck | Full-year projection |
|---|---|---|
| Gross pay | $2,307.69 | $60,000.00 |
| Pre-tax retirement | $0.00 | $0.00 |
| Health, HSA, FSA (pre-tax) | $0.00 | $0.00 |
| Federal income-tax withholding | $193.08 | $5,020.00 |
| Social Security (6.2%) | $143.08 | $3,720.00 |
| Medicare (1.45%) | $33.46 | $870.00 |
| Federal only income-tax estimate (none) | $0.00 | $0.00 |
| After-tax deductions | $0.00 | $0.00 |
| Take-home pay | $1,938.08 | $50,390.00 |
Estimated tax share is the displayed federal withholding, FICA, state/local tax estimate and state payroll deductions divided by gross pay. Benefit deductions are excluded from that share; it is not your final income-tax rate.
Federal withholding follows IRS Publication 15-T for a 2020-or-later W-4. Social Security applies to the first $184,500 of wages in 2026.
Add your state. Choose your state to include state income tax, local taxes where they apply, and state programs such as SDI, PFML and TDI.
Choose your state
- AlabamaUp to 5%
- AlaskaNo income tax
- ArizonaFlat 2.5%
- ArkansasUp to 3.9%
- CaliforniaUp to 13.3%
- ColoradoFlat 4.4%
- ConnecticutUp to 6.99%
- DelawareUp to 6.6%
- District of ColumbiaUp to 10.75%
- FloridaNo income tax
- GeorgiaFlat 4.99%
- HawaiiUp to 11%
- IdahoFlat 5.3%
- IllinoisFlat 4.95%
- IndianaFlat 2.95%
- IowaFlat 3.8%
- KansasUp to 5.58%
- KentuckyFlat 3.5%
- LouisianaFlat 3%
- MaineUp to 9.15%
- MarylandUp to 6.5%
- MassachusettsUp to 9%
- MichiganFlat 4.25%
- MinnesotaUp to 9.85%
- MississippiFlat 4%
- MissouriUp to 4.7%
- MontanaUp to 5.65%
- NebraskaUp to 4.55%
- NevadaNo income tax
- New HampshireNo income tax
- New JerseyUp to 10.75%
- New MexicoUp to 5.9%
- New YorkUp to 10.9%
- North CarolinaFlat 3.99%
- North DakotaUp to 2.5%
- OhioFlat 2.75%
- OklahomaUp to 4.5%
- OregonUp to 9.9%
- PennsylvaniaFlat 3.07%
- Rhode IslandUp to 5.99%
- South CarolinaUp to 6%
- South DakotaNo income tax
- TennesseeNo income tax
- TexasNo income tax
- UtahFlat 4.5%
- VermontUp to 8.75%
- VirginiaUp to 5.75%
- WashingtonNo income tax
- West VirginiaUp to 4.82%
- WisconsinUp to 7.65%
- WyomingNo income tax
Three kinds of state income tax
No income tax (9)
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming.
Flat rate (15)
Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Michigan, Mississippi, North Carolina, Ohio, Pennsylvania, Utah. One rate on taxable income after the state's deductions.
Graduated rates (27)
Alabama, Arkansas, California, Connecticut, Delaware, District of Columbia, Hawaii, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Montana, Nebraska, New Jersey, New Mexico, New York, North Dakota, Oklahoma, Oregon, Rhode Island, South Carolina, Vermont, Virginia, West Virginia, Wisconsin. Brackets rise with income, from 2 brackets in Kansas to 12 in Hawaii.
Example take-home pay before state taxes
These 2026 examples assume a full year at the same salary, single filing status, 26 biweekly paychecks, no Form W-4 adjustments and no benefit or after-tax deductions. They include federal withholding, Social Security and Medicare. Use your state calculator to add applicable state and local deductions.
| Annual salary | Gross per check | Federal withholding | Social Security + Medicare | Take-home per check |
|---|---|---|---|---|
| $40,000 | $1,538.46 | $100.77 | $117.69 | $1,320.00 |
| $60,000 | $2,307.69 | $193.08 | $176.54 | $1,938.08 |
| $100,000 | $3,846.15 | $506.54 | $294.23 | $3,045.38 |
Examples come from the calculator above. Amounts are rounded for display; changing your W-4 or deductions changes the estimate.
Compare the estimate with your pay stub
Start with the same gross pay and pay frequency. Every two weeks means 26 regular paychecks in the model; twice a month means 24. Then enter your filing status, W-4 settings and each benefit deduction. A traditional retirement contribution can affect income-tax wages differently from Social Security and Medicare wages, so enter it in its own field.
Income tax withheld is a payment toward your annual tax bill. A smaller paycheck does not by itself tell you whether you will receive a refund. TheW-4 withholding calculator helps compare projected withholding with estimated federal tax. For a partial work year or several jobs, use the IRS Tax Withholding Estimatorwith your latest pay stubs.
Considering a new salary? The pay raise calculatorcompares the gross increase and its estimated federal-only paycheck effect. Return to your state calculator to include your state elections and local deductions.
Federal taxes on every paycheck in 2026
Federal income tax withholding follows IRS Publication 15-T: your pay is annualised, adjusted for the entries on your Form W-4, reduced by the standard deduction built into the withholding tables ($16,100 single, $32,200 joint, $24,150 head of household), and run through the 2026 rate schedule below. 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.
| 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 |
Frequently asked questions
How do you calculate take-home pay?
Start with gross pay for the period, subtract pre-tax deductions (401(k), health premiums, HSA), then federal income tax withholding under IRS Publication 15-T, Social Security at 6.2% and Medicare at 1.45%, then state and local income tax and any state payroll programs, then after-tax deductions. What is left is your net or take-home pay.
What percentage of my paycheck is withheld for taxes in 2026?
There is no single percentage that fits every paycheck. Federal income tax withholding depends on pay, filing status and Form W-4 entries. Social Security and Medicare use their own wage rules, and state taxes, benefits and extra withholding can change the total. Enter your inputs to see each deduction separately; the examples below use explicitly stated assumptions.
Why is the federal tax on my paycheck different from my tax bracket?
Your bracket is the rate on your last dollar. Withholding spreads the standard deduction and the lower brackets across the year, so the average rate taken from each check is lower than your marginal rate. The calculator shows both.
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming do not tax wages. Washington has no wage tax but does collect Paid Family and Medical Leave and WA Cares premiums from employees.
Does the calculator handle hourly pay and overtime?
Yes. Switch to Hourly, enter your rate, regular hours and overtime hours (paid at 1.5×), and pick your pay frequency. Every state also has a dedicated hourly page.
Is this calculator accurate?
The federal calculation uses the 2026 Publication 15-T percentage method for a 2020-or-later Form W-4 and assumes the entered pay repeats throughout the year. This national tool excludes state and local taxes. State pages identify whether they use a reviewed payroll method or an annual tax estimate. Employer rounding, variable pay, year-to-date wages and benefits can cause differences from your pay stub.
Sources and updates
Figures are for tax year 2026 and were checked against the sources below on . Tax rules and rates can change. Each calculator identifies the method and limitations used.
- IRS, Revenue Procedure 2025-32: tax inflation adjustments for tax year 2026 (standard deduction, rate brackets)
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods, Worksheet 1A percentage method for automated payroll systems
- Social Security Administration, 2026 contribution and benefit base $184,500
- IRS Topic 751, Social Security and Medicare withholding rates (6.2% and 1.45%; Additional Medicare Tax 0.9% over $200,000)
- Tax Foundation, 2026 Tax Brackets (head of household and married filing separately thresholds)
This calculator gives estimates for information only and is not tax, legal or financial advice. Your employer's payroll system, local taxes, benefits and year-to-date wages can change the exact amounts on your pay stub. See how we calculate.