US Paycheck Calculator — Federal and State Tax Take-Home Pay
Estimate your US take-home pay after federal income tax, Social Security, Medicare and state income tax, using 2026 brackets. All 50 states plus DC. Free and private.
Last updated: June 2026
Hourly assumes 40 hours/week (2,080 hours/year).
State rates are approximate; local taxes are not included.
Take-home pay
- Net pay (annual)
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- Per paycheck
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See what actually lands in your bank account
The number on a job offer is the gross salary, but what matters is what reaches your account after taxes. This US paycheck calculator estimates your take-home pay by subtracting federal income tax, Social Security, Medicare and state income tax from your gross, so you can compare offers, plan a budget or sanity-check a new paycheck.
Federal income tax is calculated on your taxable income, which is your gross pay minus the 2026 standard deduction for your filing status, run through the federal tax brackets. On top of that, Social Security takes 6.2% of wages up to the annual wage base, and Medicare takes 1.45% of everything with an extra 0.9% on very high earnings. State income tax depends on where you live: nine states take nothing, while others apply their own rates. Choose your state to see the difference, which can be thousands of dollars a year.
The breakdown shows each deduction both annually and per paycheck for your chosen pay frequency, plus your effective combined rate. Remember this is an estimate: your real withholding depends on your W-4, pre-tax benefits like a 401(k) or health insurance, other income and local city taxes. For exact numbers, use the IRS withholding estimator. Everything here runs privately in your browser with nothing uploaded.
Disclaimer: This calculator provides estimates for informational purposes. Actual withholding depends on your W-4 elections, additional income and deductions, and local taxes. State rates are approximate. Consult a tax professional or use the IRS withholding estimator at irs.gov for precise figures.
How it works
Three quick steps — no account, nothing uploaded to a server.
Enter your pay
Type your gross salary as annual, monthly or hourly.
Set status and state
Pick your filing status, pay frequency and state.
See your take-home
Get net pay per paycheck with a full breakdown.
Rates and rules on this page are verified against the IRS (irs.gov). Last checked July 2026.
FAQ
Frequently asked questions
How is take-home pay calculated in the US?
Your gross pay is reduced by federal income tax, Social Security (6.2% up to the wage base), Medicare (1.45% on everything, plus 0.9% above a high threshold) and state income tax where it applies. Federal income tax is figured on your taxable income, which is your gross pay minus the standard deduction, using the 2026 tax brackets for your filing status. What is left is your net, or take-home, pay.
Which states have no income tax?
Nine states do not levy a broad personal income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. New Hampshire historically taxed only dividends and interest, which is being phased out. If you pick one of these states, the calculator shows zero state income tax.
What is FICA on my paycheck?
FICA is the combination of Social Security and Medicare taxes. Social Security is 6.2% of wages up to an annual wage base of $176,100 for 2026, and Medicare is 1.45% of all wages with an extra 0.9% on wages above $200,000 (single) or $250,000 (married filing jointly). Your employer pays a matching share that does not come out of your paycheck.
Why is this different from my real paycheck?
This is an estimate. Your actual withholding depends on your W-4 elections, pre-tax deductions like 401(k) and health insurance, additional income, tax credits and local city taxes, none of which are included here. State income tax is applied at an approximate rate. For precise figures, use the IRS withholding estimator at irs.gov or speak to a tax professional.
How accurate are the state tax figures?
State income tax is applied using an approximate rate for the state you choose, and local or city taxes are not included. Many states have their own brackets, deductions and credits that this tool does not model in detail. Treat the state portion as a ballpark and confirm with your state's tax authority.
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