What’s your real take-home pay?
Estimate your 2026 net paycheck after federal income tax, Social Security, and Medicare — enter a salary or hourly wage, pick how often you’re paid, and add your state.
- Federal · State · FICA
- Official 2026 IRS & SSA figures
- No sign-up
- Runs in your browser
You keep 79% of your gross pay
Updated June 17, 2026Source: IRS Revenue Procedure 2025-32 & SSA (2026)
Popular state calculators
See all 50 states →Tap a state to load its 2026 income tax into the calculator above.
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What common salaries take home
Single filer · federal + FICA · 2026 estimateCompare two states side by side
See the take-home difference on the same salary — before you take that offer or make a move.
Paycheck calculators for every state
Pick your state for a tailored estimate, examples, and the official source behind the rates.
- Alabama
- AlaskaNo tax
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- FloridaNo tax
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- NevadaNo tax
- New HampshireNo tax
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South DakotaNo tax
- TennesseeNo tax
- TexasNo tax
- Utah
- Vermont
- Virginia
- WashingtonNo tax
- West Virginia
- Wisconsin
- WyomingNo tax
How this calculator works
Take-home pay is gross income minus federal income tax, Social Security, Medicare, and — where you pick a state — state income tax. Federal tax is progressive: only the income inside each bracket is taxed at that rate, after the standard deduction.
FICA is flat: 6.2% Social Security up to $184,500 (2026) plus 1.45% Medicare on all wages, with an extra 0.9% on high earnings.
What’s included — and what isn’t
- Federal income tax (2026 brackets & standard deduction)
- Social Security & Medicare, incl. Additional Medicare
- Pre-tax 401(k), HSA/FSA & health premiums
- Tax credits (Child Tax Credit, EITC)
- AMT, capital-gains rates, itemized deductions
Frequently asked questions
How accurate is this estimate?
It applies the 2026 federal brackets, standard deduction, and FICA rates exactly, plus state income tax where you pick a state. It doesn't model tax credits, the Alternative Minimum Tax, or itemized deductions, so treat it as a close estimate — not a filed return.
Does it include state income tax?
Yes — choose your state and the estimate adds its 2026 income tax. In the 9 states with no income tax on wages, your paycheck is reduced only by federal tax and FICA.
What are FICA taxes?
FICA is the federal payroll tax: Social Security at 6.2% on wages up to $184,500 (2026), and Medicare at 1.45% on all wages — plus an extra 0.9% on high earnings.
Is my data saved or sent anywhere?
No. Every calculation runs entirely in your browser. Nothing you type is uploaded, stored, or shared.
Can I calculate hourly or per-paycheck pay?
Yes. Switch the pay frequency to hourly, weekly, bi-weekly, semi-monthly, or monthly and the take-home figure converts to that period.
Figures verified against official IRS, SSA, and state Department of Revenue sources, and reviewed by a person before publishing.
All calculations run in your browser — no data leaves your device.