Paycheck Calculator (2026)
See your real take-home pay after federal income tax, Social Security, Medicare, and state tax — updated for 2026, including every state.
Pick your state for a detailed breakdown
Each state page includes the 2026 state brackets, local-tax notes, and state-specific FAQs:
How take-home pay is calculated in 2026
Your employer withholds four main things: federal income tax (progressive, 10%–37%), Social Security (6.2% up to $184,500), Medicare (1.45%+), and — in 41 states plus DC — state income tax. This tool applies the 2026 standard deduction automatically.
New for 2025–2028: overtime premiums, tips, car-loan interest, and being 65+ can now cut thousands off your federal taxable income. Check the dedicated calculators in the menu — most people miss these.
Frequently asked questions
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming have no state income tax on wages.
What are the federal tax brackets for 2026?
Seven brackets: 10%, 12%, 22%, 24%, 32%, 35%, and 37%, applied progressively to taxable income after your standard deduction.
Why is my actual paycheck different from this estimate?
Pre-tax benefits (401(k), health insurance, HSA), local city taxes, W-4 adjustments, and credits all shift real withholding. This tool shows the core tax picture for planning.