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Paycheck Calculator 2026

Enter a salary or hourly wage to estimate take-home pay for 2026 after federal income tax, Social Security, Medicare, and your state's taxes. Pick a state for its own rates and rules.

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

$1,938.07

from $2,307.69 gross · 16.0% of gross goes to taxes

LinePer paycheckPer year
Gross pay$2,307.69$60,000.00
Federal income tax-$193.08-$5,020.08
Social Security (OASDI)-$143.08-$3,720.08
Medicare-$33.46-$869.96
Net pay$1,938.07$50,389.82

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

Every paycheck has Social Security (6.2%) and Medicare (1.45%) withheld, plus federal income tax that depends on your pay, W-4, and pre-tax deductions. Most states add their own income tax, and a few add disability or paid leave deductions. On a $60,000 salary paid every two weeks, a single filer in a state with no income tax keeps about 84% of gross ($1,938 of a $2,308 paycheck).

It uses the 2026 federal brackets and standard deduction (IRS Rev. Proc. 2025-32), the 2026 Social Security wage base of $184,500, and each state's 2026 rates where published. It models a standard W-4 with no dependents or extra adjustments, so treat it as an estimate. Your employer's payroll system may round or annualize slightly differently.

Gross pay is what you earn before anything is taken out. Net pay, or take-home pay, is what is left after taxes and deductions. The calculator shows both per paycheck and per year.

Traditional 401(k), 403(b), and 457 contributions are excluded from federal income tax wages but are still subject to Social Security and Medicare. Health premiums, HSA, and FSA contributions through a Section 125 cafeteria plan are excluded from both.

No. Cities and counties in about a dozen states levy their own income taxes (New York City, Philadelphia, Ohio municipalities, Maryland counties, and others). Each state page notes where local taxes apply.

Yes. The "Turn this into a pay stub" button opens our pay stub builder with your earnings, taxes, pre-tax deductions, and year-to-date totals filled in, ready for names, dates, and download.

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