Take-Home Pay Calculator
See what's left of your pay after federal tax, Social Security, Medicare and state tax.
How your paycheck is calculated
Start with gross pay. Federal income tax is worked out on your pay minus the 2026 standard deduction, using the progressive brackets for your filing status. Social Security (6.2%) and Medicare (1.45%) come out of every paycheck, then state and any local income tax are applied.
Nine states don't tax wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. In those states, take-home pay is gross pay minus federal tax and FICA only.
- Pre-tax 401(k) and health premiums would lower your taxable pay and raise take-home pay compared with this estimate.
- A W-4 with extra withholding lowers each paycheck but can mean a bigger refund.
- Bonuses are often withheld at a flat 22% federal rate, even though they're taxed as normal income in the end.
Take-home pay by state
Questions
What does take-home pay include?
Your gross pay minus federal income tax, Social Security (6.2% up to $184,500), Medicare (1.45%, plus 0.9% above $200,000 for single filers) and any state or local income tax.
Why is my real paycheck different?
Employers also withhold for 401(k), health insurance and other benefits, and withholding tables don't match year-end tax exactly. Use this as an estimate.
Which tax year does this use?
2026 federal brackets and the $16,100 single standard deduction. State figures are labeled with their year.