Standout
01
Federal income tax.
Progressive 2026 brackets run from 10% to 37%, applied after the standard deduction. This part is the same everywhere in the US, but your filing status and Form W-4 choices change how much is withheld.
Free paycheck calculator · All 50 states · Tax year 2026
Paycheck Calculator
Use this paycheck calculator to choose your state and see your real take-home pay after federal tax, state income tax, Social Security, and Medicare. You can also compare two states side by side before you accept a job or price a move. The estimate is instant, private, and free.
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Paycheck calculators by state.
Each state page has that state's income tax rules, a take-home table by salary, and the same live calculator. The estimated take-home shown on those pages is for a $75,000 single filer in 2026, so it is easy to compare home pay from one state to another.
Florida
$61,593 take-home · no income tax
Texas
$61,593 take-home · no income tax
California
$57,655 take-home
New York
$58,073 take-home
Ohio
$60,246 take-home
Illinois
$58,017 take-home
Pennsylvania
$59,290 take-home
Georgia
$58,323 take-home
North Carolina
$59,109 take-home
Washington
$61,593 take-home · no income tax
Arizona
$60,083 take-home
How take-home pay works.
Four main items come out of a US paycheck. State income tax is the one that changes most by where you live.
02
State income tax.
State tax is zero in nine states, a flat rate in some states, and progressive brackets in others. Some cities also add local tax, which is why two workers with the same salary can see a large gap.
03
Social Security & Medicare.
FICA is short for the Federal Insurance Contributions Act. Employees pay 6.2% for Social Security up to the wage base and 1.45% for Medicare on all wages. High earners may owe an extra 0.9% Medicare tax.
Take-home pay — FAQ.
How do I calculate my take-home pay?
Start with gross pay, then subtract federal income tax, your state's income tax if any, Social Security at 6.2%, and Medicare at 1.45%. Then subtract benefits and other deductions. What remains is your net, or take-home, pay, which is exactly what this paycheck calculator estimates.
Which states have no income tax?
Nine states have no personal income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Take-home pay is often higher there at the same salary.
How much is taken out of my paycheck for taxes?
For a typical middle income, total withholding may run about 18% to 22% in a no-income-tax state and 28% to 38% in a high-tax state, across federal tax, state tax, Social Security, and Medicare.
How often will I get paid?
It depends on your employer. Common pay schedules are weekly with 52 paychecks, biweekly with 26, semi-monthly with 24, and monthly with 12. The paycheck calculator adjusts your per-check amount to match.
Is this paycheck calculator an exact figure?
No. It is a close estimate based on 2026 federal brackets, FICA rates, and state rules. Your actual paycheck can differ because of benefits, local taxes, bonuses, and other withholding.
Does this calculator store my information?
No. Every calculation runs in your browser. Nothing is uploaded, saved, or sent to a server.
How to use the paycheck calculator.
Enter your gross pay. Type your annual salary, hourly wage, or per-check amount, then choose how often you are paid.
Pick your state. The calculator applies that state's income tax rules along with federal income tax withholding and FICA.
Read your take-home pay. See your estimated net pay per paycheck, per month, and per year. You can also review the taxes withheld and each deduction in one place.
Gross pay vs net pay.
Gross pay is what you earn before taxes or deductions. Net pay, or take-home pay, is what actually lands in your bank account after withholding.
The gap between gross pay and net pay is the total of federal, state, and local tax, Social Security, Medicare, and any voluntary deductions. A paycheck calculator makes that gap easy to see before payday.
What affects your take-home pay.
Your filing status changes your federal brackets and standard deduction. Single, married filing jointly, and head of household each withhold differently.
Your state matters a lot. Moving from a high-tax state to a no-income-tax state can raise your take-home pay at the same salary.
Pre-tax deductions reduce your taxable income. Contributions to a 401(k), health insurance plan, commuter benefit, or HSA can lower the tax you owe and change your net pay.
Voluntary deductions also affect your check. Life insurance, disability insurance, union dues, and after-tax retirement savings may not lower taxable income, but they still reduce the amount you receive.
Hourly vs salaried paychecks.
A salaried paycheck divides your annual salary across the year. Weekly pay has 52 pay periods, biweekly pay has 26, semi-monthly pay has 24, and monthly pay has 12.
An hourly paycheck multiplies your rate by hours worked, plus any overtime. Either way, the same federal tax, state tax, local tax, Social Security, and Medicare rules apply to the gross amount.
Federal tax brackets explained.
Federal tax rates are marginal. That means your whole salary is not taxed at one rate. The first layer of taxable income is taxed at the lowest bracket, and only the dollars above each bracket line are taxed at higher rates.
The standard deduction lowers the income that goes into those brackets. For example, a single filer does not pay federal income tax on every dollar of gross wages. The deduction comes first, then the remaining taxable income is split across the brackets.
This is why a raise does not make you take home less overall. A higher bracket applies only to the next dollars you earn. Your earlier income keeps the lower rates.
Why two people with the same salary take home different amounts.
Two workers can earn the same annual salary and still see different net pay. One may live in a state with no wage tax, while the other pays state and local tax. One may be married filing jointly, while the other files as single.
Benefits matter too. A worker who saves heavily in a 401(k) may have lower taxable wages and lower federal income tax withholding. Another worker may choose richer health coverage, extra insurance, or other voluntary deductions that reduce each paycheck.
Your Form W-4 also matters. Adding dependents, extra withholding, or multiple-job information changes the amount your employer withholds. The paycheck calculator helps you test those choices before you update payroll.
Tips to increase take-home pay.
Review your W-4 when your life changes. Marriage, divorce, a second job, a new child, or a big raise can make old withholding settings inaccurate.
Use pre-tax benefits if they fit your budget. A 401(k), HSA, FSA, or pre-tax health premium can reduce taxable pay while helping you save for retirement or health costs.
Check every deduction on your pay stub. Make sure the taxes withheld, benefit costs, and voluntary deductions match what you selected during enrollment.
Compare jobs by net pay, not only gross pay. A higher salary in a state with higher tax rates may not increase take-home pay as much as you expect.
When to use a paycheck calculator.
Use a paycheck calculator when you compare job offers, plan a move, change pay periods, or switch from hourly to salaried work. It is also helpful before bonus season, open enrollment, or a W-4 update.
A calculator is not a replacement for payroll advice, but it gives you a practical estimate. It shows how federal, state, and local deductions work together and helps you plan your monthly budget with less guesswork.
Know your take-home. Now grow it.
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