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Paycheck Calculators · United States

Take-Home Pay Calculator

Turn your gross salary into net pay. See your 2026 federal income tax, Social Security, Medicare and state tax, and your take-home pay per paycheck, month and hour.

Calculated in your browser only · inputs are not saved2026 tax year · federal brackets from IRS Rev. Proc. 2025-32 · state rates approximate
USD

For a married couple, enter the household income and choose Married filing jointly.

%

Approximate effective flat rate for a middle income. Edit it with your state's actual rate.

%

For example, New York City or Philadelphia. Leave 0 if none.

USD / yr

2026 employee limit: $24,500. Reduces income tax but not Social Security or Medicare tax.

USD / yr

Reduces income tax and payroll (FICA) tax.

Enter your values and press Calculate take-home pay

Take-home pay per paycheck

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    How it works

    Where your paycheck goes

    Your gross salary is reduced by pre-tax deductions, federal income tax, Social Security and Medicare (together called FICA), and in most states a state income tax. What is left is your take-home pay.

    1. Enter salary and location

      Type your gross annual salary, how often you are paid, your filing status and your state. The state tax rate fills in automatically and you can overwrite it.

    2. Add pre-tax deductions

      Contributions to a traditional 401(k) lower your income tax. Health premiums, HSA and FSA contributions under Section 125 also lower payroll tax.

    3. Read your net pay

      See pay per paycheck, per month, per week and per hour, plus a chart showing how each dollar of salary is split.

    Formulas

    Federal taxable income = salary − 401(k) − Section 125 − standard deductionSocial Security = 6.2% × (salary − Section 125), capped at the $184,500 wage baseMedicare = 1.45% × (salary − Section 125), plus 0.9% above $200,000 single ($250,000 joint, $125,000 separate)State and local tax = rate × (salary − 401(k) − Section 125)Take-home = salary − pre-tax deductions − federal tax − FICA − state and local tax

    Assumptions and limits

    Federal tax uses the 2026 brackets and standard deduction ($16,100 single, $32,200 joint, $24,150 head of household) and assumes the standard deduction, no credits and no other income. Child Tax Credit, itemized deductions and the extra senior deduction are not included, so use the Federal Income Tax Calculator for those.

    State tax is an approximation. Fifteen states use one flat rate (for example Colorado 4.4%, Illinois 4.95%, Pennsylvania 3.07%, North Carolina 3.99%). Other states use graduated brackets, so the calculator fills in a typical effective rate for a middle income. Your real state tax depends on your income, deductions and credits, so edit the rate if you know it. Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wages. State disability or family-leave payroll taxes (for example in California, New Jersey and New York) are not included.

    Hourly pay assumes 2,080 working hours a year (40 hours × 52 weeks).

    FAQ

    How much of my salary will I take home?

    A single filer in a state with no income tax typically keeps about 75% to 80% of a mid-range salary after federal income tax and FICA. Pre-tax 401(k) contributions lower your tax but also lower the cash you receive.

    Why is my paycheck different from this estimate?

    Your employer withholds based on your Form W-4, and may also deduct post-tax items such as Roth 401(k) contributions, union dues or garnishments. This tool estimates your actual annual liability, not your exact withholding.

    Does a 401(k) contribution reduce Social Security and Medicare tax?

    No. Traditional 401(k) contributions reduce federal and most state income tax but are still subject to Social Security and Medicare tax. Section 125 health premiums and FSA contributions reduce both.

    What is the Additional Medicare Tax?

    It is an extra 0.9% Medicare tax on wages above $200,000 for single and head of household filers, $250,000 for married filing jointly and $125,000 for married filing separately. Employers withhold it above $200,000 regardless of status.

    Is local tax included?

    Only if you enter a rate. Some cities and counties, such as New York City, Philadelphia and many Ohio, Pennsylvania and Maryland localities, levy an income tax. Enter the percentage in the local tax field.

    Estimates for education and planning only. This is not tax, legal or investment advice; check IRS.gov or a tax professional for your situation. Sources: IRS Rev. Proc. 2025-32, SSA 2026 wage base, Tax Foundation 2026 state income tax rates.

    Last updated:

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