Paycheck · 2026 tax year · all 50 states

Paycheck Calculator

Estimate your take-home pay after federal, state and local taxes — salary or hourly, with overtime, 401(k) and health deductions. Built on official 2026 IRS, SSA and state revenue department figures.

Last reviewed October 9, 2026 · Calculation tax.paycheck v2.0.0

Your pay and filing details

2026 federal rules plus your state's income tax, local tax and payroll programs. Your numbers stay in your browser.

We assume you live and work in the same state.

How you're paid

Before any deductions.

Used for state exemptions and credits. For federal credits, use the fields below.

Affects the yearly tax estimate on a joint return. If blank, we show the result as if there is no other household income — and say so.

Pre-tax deductions (per year)

Usually traditional 401(k) or 403(b) contributions. Social Security and Medicare still apply.

Usually health, dental or vision premiums and FSA/HSA contributions through a Section 125 plan. Check your pay stub or ask payroll.

For the yearly estimate only, e.g. the child tax credit. We don't work out eligibility.

Form W-4 entries (optional — affects federal withholding)

The 2026 W-4 worksheet lets you include expected tips, overtime, car-loan interest and senior deductions here.

Estimated take-home pay per paycheck

$1,938.08

after federal withholding, Social Security and Medicare — before state and local taxes

Estimate · 2026 tax rules

Each paycheck · 26 a year

Gross pay
$2,307.69
Pre-tax deductions
−$0.00
Federal income tax withheld
−$193.08
Social Security (6.2%)
−$143.08
Medicare (1.45%)
−$33.46
Take-home pay
$1,938.08

For the whole year

Gross pay
$60,000.00
Take-home pay
$50,390.00
Share of gross you keep
84%
Federal income tax owed (estimate)
$5,020.00
Federal effective / marginal rate
8.4% / 12%

Federal withholding vs. estimated federal tax

Federal income tax withheld over the year
$5,020.00
Difference
About even

A positive difference suggests a federal refund; a negative one suggests you may owe. Other income, deductions and credits change it.

Federal tax brackets applied to your taxable income
How your federal taxable income is taxed
RateIncome in this bracketTax
10%$12,400.00$1,240.00
12%$31,500.00$3,780.00
How state tax is estimated

We estimate the state income tax you'll owe for the year — wages, minus pre-tax deductions your state allows, minus its standard deduction and exemptions — then apply the state's 2026 brackets and credits, and divide by your number of paychecks. Your employer's withholding uses each state's own formula, so individual paychecks can differ by a few dollars. Employee-paid state programs (disability insurance, paid family leave and similar) are shown separately with their wage caps.

Calculation tax.state-wages v1.0.0; paycheck tax.paycheck v2.0.0; federal tax.federal-paycheck v1.0.0.

How take-home pay is worked out

Your take-home pay is your gross pay minus four kinds of deductions, in this order:

  1. Pre-tax deductions — traditional 401(k) contributions, health premiums and similar. They come out first and lower the pay that's taxed.
  2. Federal income tax withholding — set by IRS Publication 15-T and your Form W-4.
  3. Social Security and Medicare (FICA) — 7.65% of most wages for employees in 2026.
  4. State and local taxes — state income tax in 41 states and DC, local income tax in some cities and counties, and employee-paid state programs such as California SDI or paid family leave in about a dozen states.
Take-home pay

Gross − pre-tax deductions − federal income tax − FICA − state & local taxes − state payroll programs = net pay

Example: single, $60,000 a year, paid biweekly, no state tax → about $1,938.08 per paycheck (84% of gross).

Paycheck calculators for every state

Each state page has the calculator set to that state, its 2026 brackets and deductions, worked examples and the official sources we used. At $60,000 a year (single, biweekly), take-home pay ranges from $50,390 in Florida to $46,056 in Oregon — compare all 50 states and DC.

Two different numbers: tax you owe and tax withheld

Your tax liability is what you owe for the year, worked out on your tax return. Withholding is what your employer sends to the tax agencies from each paycheck, based on your W-4 and the withholding tables. They're designed to land close together for a simple situation, but they're not the same thing — which is why people get refunds or owe money in April.

2026 federal income tax brackets

Rates apply to taxable income — wages minus pre-tax deductions and the standard deduction. Only the income inside each band is taxed at that band's rate.

2026 taxable income brackets (Rev. Proc. 2025-32)
RateSingleMarried filing jointlyHead of household
10%$0 – $12,400$0 – $24,800$0 – $17,700
12%$12,400 – $50,400$24,800 – $100,800$17,700 – $67,450
22%$50,400 – $105,700$100,800 – $211,400$67,450 – $105,700
24%$105,700 – $201,775$211,400 – $403,550$105,700 – $201,750
32%$201,775 – $256,225$403,550 – $512,450$201,750 – $256,200
35%$256,225 – $640,600$512,450 – $768,700$256,200 – $640,600
37%Over $640,600Over $768,700Over $640,600
Marginal vs. effective rate

Effective rate = income tax ÷ wages = the share of your pay that goes to federal income tax

Example: single, $60,000 wages → $5,020.00 tax, an effective rate of 8.4% even though the top rate reached is 12%.

2026 standard deduction

Federal standard deduction, tax year 2026
Filing statusStandard deduction
Single$16,100
Married filing jointly$32,200
Married filing separately$16,100
Head of household$24,150

People who are 65 or older or blind get an additional standard deduction (and, from 2025 to 2028, a separate $6,000 senior deduction), and some people itemize instead. This calculator uses the basic standard deduction only.

Social Security and Medicare (FICA)

  • Social Security: 6.2% of wages up to the 2026 wage base of $184,500. Above that, it stops for the rest of the year.
  • Medicare: 1.45% of all wages, with no cap.
  • Additional Medicare: 0.9% on wages above $200,000 ($250,000 for joint filers, $125,000 married filing separately). Employers start withholding it once your wages with them pass $200,000, whatever your filing status.

How state income tax works

Nine states don't tax wages at all: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Of the rest, about a third use a single flat rate and the others use brackets like the federal system. Each state decides its own:

  • Starting point — most begin from federal adjusted gross income, so your 401(k) and health premiums usually lower state tax too. Pennsylvania doesn't exclude 401(k) deferrals; New Jersey doesn't exclude Section 125 health premiums.
  • Deductions and exemptions — some states use the federal standard deduction, some set their own, some use exemptions or credits instead, and several shrink them as income rises.
  • Local taxes — Maryland counties, Indiana counties, New York City and Yonkers are built into this calculator. Pennsylvania, Ohio, Michigan, Kentucky, Missouri and a few others have city or school-district taxes; enter your rate if you have one.

If you live in one state and work in another, you generally owe tax to the state where you work and claim a credit at home; some neighboring states have reciprocity agreements so only your home state taxes you. This calculator assumes you live and work in the same state.

State disability and paid leave deductions

Several states fund disability insurance, paid family and medical leave or long-term care through employee payroll deductions. They're not income tax, but they reduce take-home pay:

Employee-paid state payroll programs, 2026
StateProgramEmployee rateWage cap
AlaskaUnemployment Insurance employee contribution0.5%$54,200
CaliforniaSDI (State Disability Insurance, includes Paid Family Leave)1.3%No cap
ColoradoFAMLI (Family and Medical Leave Insurance)0.44%$184,500
ConnecticutCT Paid Leave0.5%$184,500
DelawareDelaware Paid Leave (employee share)0.4%$184,500
HawaiiTDI (Temporary Disability Insurance)0.5%Max $7.50 a week
MaineMaine PFML (employee share)0.5%$184,500
MassachusettsPFML (Paid Family & Medical Leave) employee share0.46%$184,500
MinnesotaMinnesota Paid Leave (employee share) — new Jan 1, 20260.44%$185,000
New JerseyTDI (Temporary Disability Insurance)0.19%$171,100
New JerseyFLI (Family Leave Insurance)0.23%$171,100
New JerseyUI (Unemployment Insurance) employee share0.3825%$44,800
New JerseyWF/SWF (Workforce Development / Supplemental Workforce Fund) employee share0.0425%$44,800
New YorkDBL (Disability Benefits Law)0.5%Max $0.60 a week
New YorkPFL (Paid Family Leave)0.432%$95,347
OregonPaid Leave Oregon (employee share)0.6%$184,500
PennsylvaniaUnemployment Compensation employee withholding0.07%No cap
Rhode IslandTDI (Temporary Disability Insurance, includes TCI paid family leave)1.1%$100,000
WashingtonPaid Family & Medical Leave (employee share)0.8072%$184,500
WashingtonWA Cares Fund (long-term care)0.58%No cap

How your W-4 changes withholding

On a 2020-or-later Form W-4, payroll starts from your annualized wages and subtracts a fixed amount ($12,900 for married filing jointly, $8,600 otherwise) unless you check the Step 2 box. Then:

  • Step 2 checkbox (two jobs) switches to a table that withholds more, so the household doesn't under-withhold.
  • Step 3 credits reduce withholding across the year.
  • Step 4(a) other income increases it; 4(b) extra deductions reduce it — the 2026 W-4 worksheet includes the new deductions for tips, overtime, car-loan interest and seniors; 4(c) adds a fixed amount to every paycheck.

Hourly pay and overtime

Choose Hourly to enter your rate, regular hours and overtime. We annualize it over 52 weeks. Overtime under the Fair Labor Standards Act is at least 1.5 times your regular rate for hours over 40 in a workweek. From 2025 to 2028, the federal "no tax on overtime" deduction can cover the extra half — see the tips and overtime deduction calculator. Withholding doesn't reflect the deduction unless you add it to W-4 Step 4(b).

Example paychecks (biweekly, 2026, federal only)

Single filer, no pre-tax deductions or credits, default W-4
Annual payYearly federal income taxEffective rateFederal tax per paycheckPay before state tax
$40,000$2,620.006.6%$100.77$1,320.00
$60,000$5,020.008.4%$193.08$1,938.08
$80,000$8,770.0011%$337.31$2,504.23
$100,000$13,170.0013.2%$506.54$3,045.38
$150,000$24,734.0016.5%$951.31$4,376.58

Add your state above, or open your state's page for examples that include state tax.

What this doesn't include

  • Other income (investments, side work), itemized deductions, and the new 2025–2028 deductions for tips, overtime, car-loan interest and seniors in the yearly estimate (use the deduction calculator).
  • Credit eligibility — you enter federal credits yourself. State credits we include are listed on each state page.
  • After-tax deductions (Roth contributions, union dues, garnishments) and employer-specific payroll rounding.
  • Working in a different state from the one you live in.
  • Local taxes outside the areas built in, unless you enter a rate.

Sources

  1. Revenue Procedure 2025-32 (2026 inflation adjustments) — Internal Revenue Service. Accessed 2026-10-09. Rev. Proc. 2025-32, sections 4.01 and 4.14
  2. IRS releases tax inflation adjustments for tax year 2026, including amendments from the One, Big, Beautiful Bill — Internal Revenue Service. Accessed 2026-10-09. IR-2025-103, Oct. 9, 2025
  3. 2026 Cost-of-Living Adjustment (COLA) Fact Sheet — Social Security Administration. Accessed 2026-10-09. 2026 fact sheet (October 2025)
  4. Topic no. 560, Additional Medicare Tax — Internal Revenue Service. Accessed 2026-10-09. Page last reviewed 24-Sep-2026
  5. Publication 15-T (2026), Federal Income Tax Withholding Methods — Internal Revenue Service. Accessed 2026-10-09. Publication 15-T (2026), Worksheet 1A and Annual Percentage Method Tables
  6. 2026 Income Tax Changes and Withholding Information — Pasadena City College (reproducing IRS Publication 15-T 2026). Accessed 2026-10-09. Reproduction of Pub 15-T (2026) Head of Household schedules

State sources are listed on each state's page.

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