Paycheck Calculator
Estimate your take-home pay per paycheck after federal income tax, Social Security, Medicare, state tax and pre-tax deductions. Works for salary or hourly pay and uses the 2026 IRS tax brackets and standard deduction.
Estimate only. Spreads your 2026 annual tax evenly across paychecks, so it can differ slightly from IRS withholding tables. Does not include local taxes, the tips or overtime deductions, or other benefits.
Your pay: per paycheck, month and year
| Per paycheck | Per month | Per year |
|---|
How your take-home pay is calculated
Your take-home (net) pay is your gross pay minus pre-tax deductions and taxes. The calculator works it out for a full year, then divides by your number of paychecks:
- Pre-tax deductions. 401(k) contributions lower your federal and state taxable income. Health insurance premiums paid through a cafeteria plan also lower Social Security and Medicare wages.
- Federal income tax. Taxable income = gross pay − pre-tax deductions − the 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household). The 2026 brackets below then apply, and any W-4 credits are subtracted.
- Social Security and Medicare (FICA). 6.2% Social Security on wages up to $184,500, plus 1.45% Medicare on all wages and an extra 0.9% on wages above $200,000.
- State income tax. Zero in the nine states that do not tax wages; otherwise based on the rate you enter.
Paid by the hour? Add up your week with the time card calculator first, including breaks and overtime, then enter the gross pay here. The overtime pay calculator and hourly to salary calculator help with the rest.
2026 federal income tax brackets
These rates apply to taxable income, after the standard deduction and pre-tax deductions. Each rate applies only to the income within its bracket.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | Up to $12,400 | Up to $24,800 | Up to $17,700 |
| 12% | $12,400 to $50,400 | $24,800 to $100,800 | $17,700 to $67,450 |
| 22% | $50,400 to $105,700 | $100,800 to $211,400 | $67,450 to $105,700 |
| 24% | $105,700 to $201,775 | $211,400 to $403,550 | $105,700 to $201,750 |
| 32% | $201,775 to $256,225 | $403,550 to $512,450 | $201,750 to $256,200 |
| 35% | $256,225 to $640,600 | $512,450 to $768,700 | $256,200 to $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
Take-home pay by salary (2026)
Estimated take-home pay for a single filer in a state with no income tax, such as Texas or Florida, with no 401(k) or other deductions:
| Salary | Federal tax | FICA | Take-home per year | Per biweekly check |
|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $34,320 | $1,320.00 |
| $50,000 | $3,820 | $3,825 | $42,355 | $1,629.04 |
| $60,000 | $5,020 | $4,590 | $50,390 | $1,938.08 |
| $75,000 | $7,670 | $5,738 | $61,592 | $2,368.94 |
| $100,000 | $13,170 | $7,650 | $79,180 | $3,045.38 |
| $150,000 | $24,734 | $11,475 | $113,791 | $4,376.58 |
To turn an hourly wage into a yearly salary first, use our hourly to salary calculator. To see what a raise adds to each paycheck, try the salary raise calculator.
Worked example: $60,000 in Texas
A single filer earns $60,000 a year in Texas, is paid every two weeks and puts 5% of pay into a 401(k).
- 401(k): 5% × $60,000$3,000
- Taxable income: $60,000 − $3,000 − $16,100$40,900
- Federal income tax: 10% on $12,400 + 12% on $28,500$4,660
- Social Security (6.2%) + Medicare (1.45%)$4,590
- Take-home pay per year$47,750
- Per biweekly paycheck (÷ 26)$1,836.54
The 401(k) contribution costs $115.38 per paycheck but lowers federal tax by about $13.85, so take-home pay drops by less than the amount saved. See how much to put in your 401(k) for more.
States with no income tax on wages
Nine states do not tax wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Workers there have only federal income tax, Social Security and Medicare withheld, plus any local taxes. See our Florida, Texas, Tennessee and Nevada paycheck calculators for state-specific examples and minimum wage take-home pay. In other states, state income tax is withheld in addition to federal tax, and some cities, such as New York City, add their own income tax.
Frequently asked questions
How much is $60,000 a year after taxes?
For a single filer in a state with no income tax, such as Texas or Florida, $60,000 a year is about $50,390 after federal income tax, Social Security and Medicare in 2026. That is about $1,938 per biweekly paycheck. State income tax, 401(k) contributions and benefits would lower it further.
What taxes come out of a paycheck?
Most paychecks have federal income tax, Social Security tax (6.2%) and Medicare tax (1.45%) withheld. Many states and some cities also withhold income tax. Pre-tax deductions such as 401(k) contributions and health insurance premiums come out too.
What is the Social Security wage limit for 2026?
Social Security tax of 6.2% applies to the first $184,500 of wages in 2026. Medicare tax of 1.45% has no limit, and an extra 0.9% is withheld on wages above $200,000.
Which states have no state income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wages. Workers there pay only federal income tax and FICA on their paychecks, plus any local taxes.
Why is my actual paycheck different from the calculator?
Employers use the IRS withholding tables and your Form W-4, which can differ slightly from an annual estimate. Other things also change your check, such as extra withholding, other benefits, local taxes, bonuses and state rules. Compare the result with a recent pay stub.
This calculator is for educational purposes only and is not tax advice. It estimates 2026 taxes from IRS tax brackets, standard deductions and Social Security Administration wage limits. Your employer’s withholding depends on your Form W-4, IRS withholding tables and state rules. Sources: IRS Revenue Procedure 2025-32; Social Security Administration 2026 COLA fact sheet.