Paycheck Calculator 2026
Estimate your paycheck after taxes in seconds. Enter your salary or hourly pay, how often you are paid and your state to see how much federal tax, state tax, Social Security and Medicare come out of each paycheck, and what you take home.
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How much tax comes out of a paycheck?
Four taxes come out of a typical US paycheck. Social Security takes 6.2% and Medicare takes 1.45%, no matter where you live. Federal income tax depends on your salary, filing status and W-4. State income tax applies in 41 states and DC. For a single filer earning $75,000 with no state income tax, about $516 of every $2,885 biweekly check goes to tax.
Start with gross pay
Your salary, or hourly rate × hours, divided by the number of paychecks in a year.
Take out pre-tax deductions
401(k), health insurance and HSA money comes out first, so you pay less income tax.
Withhold the taxes
Federal tax (10% to 37% brackets), state tax (0% to 13.3%) and FICA (7.65%).
Standard deduction (single)
$16,100
Standard deduction (married)
$32,200
Social Security wage cap
$184,500
401(k) limit
$24,500
Want to change how much federal tax is withheld? Use the W-4 withholding calculator. To see your full-year tax bill instead of a paycheck, try the federal income tax calculator.
Take-home pay at common salaries (2026)
Here is what a single filer keeps at common salaries in a state with no income tax, such as Texas or Florida, with no 401(k) or other deductions. If your state has an income tax, your take-home will be lower. Pick your state in the calculator above.
| Salary | Federal tax | Social Security + Medicare | Take-home / year | Biweekly paycheck |
|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $34,320 | $1,320 |
| $50,000 | $3,820 | $3,825 | $42,355 | $1,629 |
| $60,000 | $5,020 | $4,590 | $50,390 | $1,938 |
| $75,000 | $7,670 | $5,738 | $61,593 | $2,369 |
| $100,000 | $13,170 | $7,650 | $79,180 | $3,045 |
| $150,000 | $24,734 | $11,475 | $113,791 | $4,377 |
Paid by the hour? Convert your wage first with the hourly to salary calculator, or compare every state side by side on the take-home pay by state page.
Weekly, biweekly or monthly: what each paycheck looks like
How often you are paid changes the size of each check, not your yearly tax. This is a $60,000 salary for a single filer with no state income tax.
| Pay schedule | Paychecks a year | Gross per check | Take-home per check |
|---|---|---|---|
| Weekly | 52 | $1,154 | $969 |
| Bi-Weekly | 26 | $2,308 | $1,938 |
| Semi-Monthly | 24 | $2,500 | $2,100 |
| Monthly | 12 | $5,000 | $4,199 |
Biweekly pay means 26 checks, so two months a year you get a third paycheck. Semi-monthly pay is always 24 checks, usually on the 15th and the last day of the month.
2026 federal income tax brackets and paycheck tax rates
Federal income tax is charged in layers. Only the part of your taxable income inside each band is taxed at that band's rate, so a raise never lowers your take-home pay. Taxable income is your pay after pre-tax deductions and the standard deduction.
| Rate | Single: taxable income | Married filing jointly |
|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 |
| 37% | Over $640,600 | Over $768,700 |
See your own marginal and effective rate with the tax bracket calculator.
How much your state takes from a paycheck
State income tax is the biggest reason two people with the same salary take home different amounts. On a $75,000 salary (single filer), here is the yearly state tax and the biweekly paycheck in popular states.
| State | State income tax / year | Biweekly take-home |
|---|---|---|
| Texas | $0 (no wage tax) | $2,369 |
| Florida | $0 (no wage tax) | $2,369 |
| Arizona | $1,510 | $2,311 |
| Pennsylvania | $2,303 | $2,280 |
| Georgia | $3,144 | $2,248 |
| North Carolina | $2,484 | $2,273 |
| Colorado | $2,640 | $2,267 |
| Illinois | $3,713 | $2,226 |
| New York | $3,489 | $2,235 |
| California | $3,992 | $2,215 |
State figures use each state's 2026 brackets and standard deduction. Some cities and counties add their own tax, which is not included here.
Paycheck calculator for every state
No state income tax on wages (9 states)
States with income tax (41 + DC)
Paycheck Formula (2026)
The same three steps your employer uses to turn gross pay into take-home pay.
Federal Tax = Brackets applied to (Gross − Standard Deduction − Pre-Tax Deductions)Example:
Single filer, $75,000 salary, no pre-tax deductions
Variables:
Social Security = min(Gross, $184,500) × 6.2% Medicare = Gross × 1.45%Example:
$75,000 salary
Variables:
Net Pay = Gross − Federal Tax − State Tax − FICA − Pre-Tax DeductionsExample:
Texas (no state income tax), single, $75,000 salary
Variables:
These formulas provide the mathematical foundation for the calculations. Actual results may vary based on rounding, compounding frequency, and specific lender policies.
Ways to raise your take-home pay
Use your 401(k) match first
Pre-tax 401(k) money skips federal income tax. In the 22% bracket, $100 saved costs you about $78 of take-home pay, and any employer match is free money.
Fund an HSA if you have one
With a high-deductible health plan you can put up to $4,400 (self) or $8,750 (family) into an HSA in 2026. Payroll HSA money also skips Social Security and Medicare.
Fix your W-4 if your refund is big
A large tax refund means too much was withheld from every paycheck. Updating your W-4 for dependents or other deductions puts that money in your paycheck instead.
Know your state's cut
At $150,000, a single filer in California pays about $11,927 a year in state tax and SDI. The same salary in Texas pays $0, a difference of $11,927 in take-home.
Getting a bonus this year? Bonuses are often withheld at a flat 22%. See what you will actually keep with the bonus tax calculator.
Paycheck calculator FAQs
Quick answers about paycheck taxes, withholding and take-home pay.
How much tax comes out of my paycheck?
How much federal income tax is withheld per paycheck?
How much is $70,000 a year after taxes?
How is federal income tax on my paycheck calculated?
What is FICA tax?
Which states have no income tax on wages?
Does biweekly or semi-monthly pay change my taxes?
How do 401(k) contributions change my paycheck?
Why is my real paycheck different from this calculator?
Sources and how we calculate
Federal brackets and standard deductions come from the IRS 2026 inflation adjustments. The Social Security wage base and FICA rates come from the IRS and SSA. State brackets come from each state's revenue department. Figures were last checked on November 1, 2026. This calculator estimates withholding by spreading your yearly tax evenly across pay periods, which is close to the IRS percentage method in Publication 15-T.
- IRS: 2026 tax brackets and standard deduction
- IRS Publication 15-T: Federal Income Tax Withholding Methods
- SSA: 2026 Social Security and Medicare tax rates and wage base
- IRS: 2026 401(k) contribution limit
Read our calculation methodology for details on data sources and update schedule.