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Hourly Paycheck Calculator 2026

Enter your hourly rate, hours per pay period, and overtime to estimate gross pay and take-home pay after 2026 taxes. Choose your state for state income tax and payroll deductions.

Deductions and extra withholding

401(k) lowers income tax but not Social Security or Medicare. Health, dental, vision, HSA, and FSA premiums through a cafeteria plan lower both.

Take-home pay, every two weeks

$1,690.85

from $2,000.00 gross · 15.5% of gross goes to taxes

LinePer paycheckPer year
Gross pay$2,000.00$52,000.00
Federal income tax-$156.15-$4,059.90
Social Security (OASDI)-$124.00-$3,224.00
Medicare-$29.00-$754.00
Net pay$1,690.85$43,962.10

Estimate for 2026 using the IRS percentage method for a 2020-or-later W-4 with no dependents or adjustments. Your employer’s payroll system may round differently. Not tax advice.

Pick your state

Each state page uses that state’s 2026 income tax, disability and paid leave deductions, and explains its pay stub and payday rules.

AlabamaAlaskano income taxArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridano income taxGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadano income taxNew Hampshireno income taxNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth Dakotano income taxTennesseeno income taxTexasno income taxUtahVermontVirginiaWashingtonno income taxWest VirginiaWisconsinWyomingno income tax

How we calculate your paycheck

  1. Gross pay is your salary divided by pay periods (52 weekly, 26 biweekly, 24 semimonthly, 12 monthly), or hours times rate plus overtime at 1.5x. See gross vs net pay.
  2. Pre-tax deductions come off next. A traditional 401(k) lowers income tax wages only; cafeteria-plan health premiums, HSA, and FSA lower Social Security and Medicare wages too (why).
  3. Federal income tax follows the IRS Publication 15-T percentage method for a 2020-or-later W-4: we annualize your taxable wages, subtract the 2026 standard deduction ($16,100 single, $32,200 married, $24,150 head of household), apply the brackets, and divide back down.
  4. Social Security (OASDI) is 6.2% of wages up to $184,500; Medicare is 1.45% with no cap, plus 0.9% on wages over $200,000. More in what is OASDI.
  5. State taxes use your state’s 2026 brackets or flat rate, its deduction or exemption, and any employee-paid programs like SDI or paid family leave.

2026 federal tax brackets

RateSingleMarried jointly
10%$0 to $12,400$0 to $24,800
12%$12,400 to $50,400$24,800 to $100,800
22%$50,400 to $105,700$100,800 to $211,400
24%$105,700 to $201,775$211,400 to $403,550
32%$201,775 to $256,225$403,550 to $512,450
35%$256,225 to $640,600$512,450 to $768,700
37%Over $640,600Over $768,700

Taxable income after the standard deduction. Source: IRS, Rev. Proc. 2025-32.

States with no income tax on wages

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming.

States with employee-paid disability or paid leave

Alaska (AK SUI), California (CA SDI), Colorado (CO FAMLI), Connecticut (CT PL), Delaware (DE PFML), Hawaii (HI TDI), Maine (ME PFML), Massachusetts (MA PFML), Minnesota (MN PFML), New Jersey (NJ TDI, NJ FLI, NJ UI/WF/SWF), New York (NY SDI (DBL), NY PFL), Oregon (OR PLO, OR STT), Pennsylvania (PA SUI), Rhode Island (RI TDI), Vermont (VT CCC), Washington (WA PFML, WA Cares).

Paycheck Calculator FAQs

Multiply your hourly rate by regular hours in the pay period, then add overtime hours at 1.5 times your rate. That is your gross pay. Subtract pre-tax deductions, federal income tax, Social Security (6.2%), Medicare (1.45%), and any state taxes to get net pay.

For a 40-hour week: 40 hours weekly, 80 hours biweekly, about 86.67 hours semimonthly, and about 173.33 hours monthly. Semimonthly and monthly periods vary with the calendar, so hourly workers are usually paid weekly or biweekly.

Under the federal Fair Labor Standards Act, non-exempt employees earn at least 1.5 times their regular rate for hours over 40 in a workweek. Some states go further: California, for example, also requires daily overtime after 8 hours. Our overtime calculator covers daily and weekly rules.

Not at a different rate. Overtime is added to your regular wages and withheld the same way. A bigger check can push the annualized withholding estimate into a higher bracket for that period, which is why an overtime-heavy check can look over-withheld. Any qualified overtime deduction under the 2025 tax law is claimed on your tax return, not through withholding.

At 40 hours a week, $20 an hour is $41,600 a year before taxes. For a single filer paid biweekly in a state with no income tax, our 2026 estimate is about $1,369 take-home per $1,600 paycheck. Enter your state above for a precise figure.

Need the pay stub, not just the number?

Hit “Turn this into a pay stub” above and the builder opens with your earnings, taxes, and deductions filled in. Add names and dates, then download a PDF.

Browse pay stub templates