Free · All 50 States · 2026 Tax Brackets

Paycheck & Salary Tax Calculator

See your exact take-home pay after federal taxes, state taxes, Social Security & Medicare. Enter your salary or hourly wage — get an instant paycheck breakdown for all 50 US states.

💵 Salary & Hourly Calculator
🏛️ Federal + State Tax
🔒 Social Security & Medicare
📊 401(k) & Pre-Tax Deductions
📅 Weekly, Biweekly, Monthly

Paycheck Calculator
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Take-Home Pay
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Federal Tax Withholding
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State Income Tax
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FICA / Social Security
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401(k) Deductions
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All 50 States
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2026 IRS Brackets
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Paycheck Calculator
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Take-Home Pay
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Federal Tax Withholding
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State Income Tax
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FICA / Social Security
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401(k) Deductions
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All 50 States
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2026 IRS Brackets
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💵 Salary Paycheck Calculator
Income Details

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Your total salary before taxes and deductions


Tax Filing Information


Pre-Tax Deductions (Reduce Your Taxable Income)

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Reduces federal & state taxable income (2025 limit: $23,500/yr)

$

Monthly premium deducted per paycheck

$

Per paycheck HSA/FSA pre-tax amount

Other Deductions

$

Extra amount withheld per paycheck (from W-4)

$

Roth 401(k), life insurance, other after-tax items

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📊 Where Your Paycheck Goes
Per-Paycheck Breakdown

Pay Schedule Breakdown

📋 Detailed Tax & Deduction Breakdown (Per Paycheck)

⏱️ Hourly Paycheck Calculator
Hourly Wage & Hours Worked

$

Standard hours (up to 40)

Paid at 1.5× your hourly rate




%

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📋 Hourly Paycheck Breakdown

📈 Raise & Bonus Impact Calculator

See exactly how much extra take-home pay you’ll receive from a raise or bonus — and how much goes to taxes.

Current & New Salary

$

$

Or enter your current salary + bonus amount below

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Taxed at 22% supplemental rate (federal)



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📊 Before vs. After Comparison (Annual)

📐 How Your Paycheck Is Calculated


Gross Pay (Salary) = Annual Salary ÷ Pay Periods
Gross Pay (Hourly) = (Regular Hours × Rate) + (OT Hours × Rate × 1.5)
Taxable Income = Gross Pay − Pre-Tax Deductions (401k, Health, HSA)
Federal Income Tax = Progressive brackets: 10%→12%→22%→24%→32%→35%→37%
Social Security = 6.2% of gross wages (wage base: $184,500 for 2026)
Medicare = 1.45% of all wages (+0.9% over $200,000)
State Income Tax = Varies by state (0% to 13.3%)
Net Pay (Take-Home) = Gross − Federal Tax − State Tax − FICA − All Deductions

The most common misconception: “My marginal rate is 22%, so I keep 78% of my salary.” Wrong — marginal rates only apply to income within each bracket, not your entire paycheck. Your effective tax rate (total tax ÷ gross income) is always lower than your marginal rate.

💡 What is a Paycheck Calculator?

A paycheck calculator helps US employees see their exact take-home pay after all taxes and deductions are withheld. Unlike a simple tax estimator, a real paycheck calculator accounts for every line on your pay stub: federal income tax (using progressive IRS brackets), Social Security (6.2%), Medicare (1.45%), state income tax (which varies from 0% in Texas and Florida to 13.3% in California), and pre-tax deductions like 401(k) contributions and health insurance premiums.

This calculator uses 2026 tax figures: the standard deduction is $16,100 (single), $32,200 (married filing jointly), or $24,150 (head of household), and the Social Security wage base is $184,500. Federal income tax brackets for 2026 range from 10% on taxable income up to $12,400 to 37% on income over $640,600 (single filers). These 2026 figures apply to the tax year ending December 31, 2026 — returns filed in April 2027.

Nine states — Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming — have no state income tax, which significantly boosts take-home pay compared to high-tax states like California, New York, or New Jersey. Use this calculator to see how your state choice affects your net income.

🏛️ 2026 Federal Income Tax Brackets

Tax Rate Single Filers Married Filing Jointly
10% $0 – $12,400 $0 – $24,800
12% $12,401 – $50,400 $24,801 – $100,800
22% $50,401 – $105,700 $100,801 – $211,400
24% $105,701 – $201,775 $211,401 – $403,550
32% $201,776 – $256,225 $403,551 – $512,450
35% $256,226 – $640,600 $512,451 – $768,700
37% Over $640,600 Over $768,700

Standard deduction 2026: $16,100 (Single), $32,200 (MFJ), $24,150 (Head of Household), $16,100 (MFS). Social Security wage base 2026: $184,500. These brackets apply to the 2026 tax year (returns filed April 2027) — see the IRS revenue procedure for Head of Household and other filing-status tables.

🗺️ State Income Tax Rates — Key States (2026)

State Tax Type Rate / Range Notes
Texas, Florida, Nevada, WA, WY, AK, SD, TN, NH None 0% No state income tax Tax-Free
Arizona Flat 2.5% Flat rate for all income
North Dakota Progressive 1.1% – 2.5% One of the lowest progressive states
Pennsylvania Flat 3.07% Flat rate, no standard deduction
Indiana Flat 3.05% + county taxes apply
Colorado Flat 4.4% TABOR refund possible
Georgia Flat 5.39% Reduced from 5.49% in 2025
Illinois Flat 4.95% + local taxes in Chicago
New York Progressive 4% – 10.9% + NYC local tax adds 3.876%
California Progressive 1% – 13.3% Highest state rate in the US
Oregon Progressive 4.75% – 9.9% No sales tax to offset
Hawaii Progressive 1.4% – 11% Most brackets of any state

💡 7 Ways to Legally Increase Your Take-Home Pay

1
Maximize your 401(k) pre-tax contributions. Every dollar contributed to a traditional 401(k) reduces your federal and state taxable income. In 2026, you can contribute up to $24,500 (or $32,500 if you’re 50+). A $500/month 401(k) contribution can save $110–$185/month in taxes, depending on your bracket.
2
Enroll in your employer’s FSA or HSA. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) let you pay medical expenses with pre-tax dollars. In 2026, HSA limits are $4,400 (self) and $8,750 (family). This reduces both federal income tax and FICA taxes.
3
Update your W-4 form accurately. Claiming the correct filing status and dependents prevents over-withholding. If you consistently get large refunds, you’re giving the IRS an interest-free loan — update your W-4 to increase your monthly take-home pay instead.
4
Take advantage of dependent care FSA. If you have children under 13 or dependents needing care, you can contribute up to $5,000/year pre-tax to a dependent care FSA. This reduces FICA taxes as well as federal income tax — worth up to $1,500+ in annual tax savings.
5
Consider your state if you have location flexibility. Moving from California or New York to Texas, Florida, or Nevada can save 7–10%+ of your income in state income taxes annually. On a $100,000 salary, that’s $7,000–$10,000 per year in additional take-home pay.
6
Elect pre-tax health insurance coverage. Employer-sponsored health insurance premiums paid pre-tax (under a Section 125 cafeteria plan) reduce both federal income tax and FICA taxes. A $400/month premium saves approximately $90–$150/month in taxes depending on your bracket.
7
Track supplemental wages carefully. Bonuses, commissions, and overtime are withheld at a flat 22% federal supplemental rate — which may be higher than your effective rate. Track these throughout the year; you may be due a refund or owe additional taxes at filing time, so plan accordingly.

⚡ How Much Tax Is Taken Out of a Paycheck in 2026?

The short answer: for 2026, a single filer earning $75,000 with no state income tax takes home about $61,593 per year (~$2,369 biweekly) after ~$7,670 federal income tax and ~$5,738 FICA — roughly 17.9% of gross pay goes to federal taxes.

Every US paycheck loses money to three federal layers: federal income tax (progressive 10–37% brackets, applied only after your standard deduction), Social Security (a flat 6.2% on the first $184,500 of wages in 2026), and Medicare (a flat 1.45% on all wages). Then your state takes its cut — anywhere from 0% in nine states to 13.3% in California — plus any pre-tax deductions like 401(k) or health insurance. Use the calculator above for your exact numbers, or see the worked $75,000 example below.

🏦 2026 FICA Taxes: Social Security & Medicare

Tax Employee Rate Applies To 2026 Cap / Max
Social Security 6.2% First $184,500 of wages Max $11,439
Medicare 1.45% All wages (no cap) No maximum
Additional Medicare 0.9% Wages over $200k single / $250k MFJ Employee only

Your employer matches the 6.2% Social Security and 1.45% Medicare taxes dollar-for-dollar — but not the 0.9% additional Medicare tax. FICA rates are unchanged from 2025; only the Social Security wage base moved (up from $176,100).

🧮 Worked Example: $75,000 Salary, Single Filer (2026)


Step 1 — Gross pay: $75,000
Step 2 — Standard deduction: − $16,100 → Taxable income = $58,900
Step 3 — Federal income tax:
10% × $12,400 = $1,240
12% × $38,000 = $4,560
22% × $8,500 = $1,870 → Federal tax = $7,670
Step 4 — FICA:
Social Security 6.2% × $75,000 = $4,650
Medicare 1.45% × $75,000 = $1,087.50 → FICA = $5,737.50
Step 5 — Total federal bite: $7,670 + $5,737.50 = $13,407.50
Step 6 — Take-home: $75,000 − $13,407.50 = $61,592.50 ≈ $61,593/yr ≈ $2,369 biweekly

The takeaway: this earner’s marginal rate is 22% (the bracket their last dollar falls in), but their effective federal income tax rate is only about 10.2% ($7,670 ÷ $75,000) — because the 10% and 12% brackets apply to the first $50,400 of taxable income. Add state tax on top if your state has one. Note: actual employer withholding follows IRS Publication 15-T tables and your W-4 inputs, so real paychecks may differ slightly — the calculator above models it for you.

🎁 How Bonuses and Overtime Are Taxed

Bonuses are supplemental wages: the IRS requires employers to withhold a flat 22% federal tax on bonuses (37% on supplemental wages above $1 million per year). That is a withholding rule, not a tax rate — your bonus is ordinary income taxed at your marginal bracket when you file. A $5,000 bonus typically sees about $1,483 withheld ($1,100 federal + $310 Social Security + $72.50 Medicare), before state tax. Over-withholding comes back as a refund.

Overtime (1.5× your rate for hours over 40 per week under the FLSA) is taxed as ordinary income — there is no special overtime tax rate. A fat overtime paycheck may push that pay period’s withholding into a higher bracket, but your annual liability is computed on total yearly income, so any excess withholding is refunded at filing time. FICA applies to overtime wages just like regular pay.

📊 Marginal vs. Effective Tax Rate (2026 Numbers)

Bracket Taxable Income in Bracket Tax Owed
10% $12,400 $1,240
12% $38,000 $4,560
22% $8,500 $1,870
Total $58,900 $7,670

Single filer, $75,000 salary, 2026 standard deduction ($16,100). Marginal rate: 22% (rate on the last dollar). Effective federal rate: 10.2% ($7,670 ÷ $75,000). “I’m in the 22% bracket” never means you pay 22% of everything you earn.

🧾 How to Read Your Pay Stub, Line by Line

Pay Stub Line What It Means
Gross earnings Total pay before deductions — regular wages + overtime + bonuses
Pre-tax deductions 401(k), health insurance, HSA/FSA — lower your taxable income
Federal income tax Withheld per your W-4 and the 2026 brackets
Social Security tax 6.2% of wages (up to $184,500 in 2026)
Medicare tax 1.45% of all wages (+0.9% over $200,000 single)
State income tax 0%–13.3% depending on your state (see the table above)
Post-tax deductions Roth 401(k), life insurance, garnishments — after-tax
Net pay Your take-home — the amount deposited to your account

Watch the year-to-date (YTD) column: once YTD wages pass $184,500, Social Security withholding stops for the rest of 2026.

💼 Self-Employed? How Paycheck Taxes Work for You

The short answer: freelancers and contractors pay both halves of FICA — a 15.3% self-employment tax (12.4% Social Security + 2.9% Medicare) on 92.35% of net earnings. You also owe regular federal income tax on the same income.

The one break: you may deduct half of the SE tax (the “employer half”) from income tax. Example — $75,000 in net freelance earnings: 92.35% × $75,000 = $69,262.50 in SE-taxable earnings × 15.3% = $10,597 SE tax, of which about $5,299 is deductible. The Social Security portion stops at the $184,500 wage base; the 0.9% additional Medicare tax still applies above $200,000 ($250,000 MFJ).

📅 2025 vs 2026: What Changed

Item 2025 2026 Change
Standard deduction — Single $15,000 $16,100 +$350
Standard deduction — Married Filing Jointly $30,000 $32,200 +$700
Standard deduction — Head of Household $23,625 $24,150 +$525
Standard deduction — Married Filing Separately $15,750 $16,100 +$350
Social Security wage base $176,100 $184,500 +$8,400
Max employee Social Security tax $10,918 $11,439 +$521
401(k) elective deferral limit $23,500 $24,500 +$1,000
HSA limit — self / family $4,300 / $8,550 $4,400 / $8,750 +$100 / +$200

Sources: IRS (Notice 2025-67 COLA adjustments; Rev. Proc. 2025-19 for HSA figures) and the Social Security Administration. FICA rates are unchanged from 2025.

All figures are estimates for the 2026 tax year for educational purposes only — not tax advice. Actual withholding follows IRS Publication 15-T tables and your W-4 inputs, so real paychecks may vary slightly. Bracket and limit figures cross-checked against IRS/SSA announcements; confirm current figures at irs.gov.

Frequently Asked Questions

For 2026, a single filer earning $75,000 and taking the standard deduction ($16,100) owes about $7,670 in federal income tax: 10% on the first $12,400 of taxable income ($1,240), 12% on the next $38,000 ($4,560), and 22% on the remaining $8,500 ($1,870). Add FICA — 6.2% Social Security ($4,650) + 1.45% Medicare ($1,087.50) = $5,737.50 — and total federal withholding is about $13,408, leaving roughly $61,593 take-home per year (about $2,369 biweekly) with no state income tax.

The 2026 Social Security wage base is $184,500 — up $8,400 from $176,100 in 2025. You pay the 6.2% Social Security tax only on the first $184,500 of wages, so the maximum employee Social Security tax for 2026 is $11,439 ($184,500 × 6.2%). Medicare’s 1.45% tax has no wage cap. Once your year-to-date earnings pass $184,500, Social Security withholding stops on the rest of the year’s paychecks.

It depends on income, filing status, and state. FICA is a flat 7.65% for most employees (6.2% Social Security + 1.45% Medicare). Federal income tax is progressive — marginal rates of 10–37%, but your effective rate is lower. For example, a single filer earning $60,000 in Texas (no state tax) pays about $5,020 federal income tax + $4,590 FICA = $9,610 total, or about 16% of gross pay, leaving roughly $50,390 take-home. In a high-tax state like California, the combined bite can exceed 25%.

Use this formula: Net pay = Gross pay − federal income tax − Social Security (6.2%) − Medicare (1.45%) − state/local taxes − pre-tax and post-tax deductions. Start with your gross salary, subtract pre-tax deductions (401(k), health insurance, HSA) to get taxable income, subtract the standard deduction ($16,100 single in 2026), apply the federal brackets, then subtract FICA and state tax. The calculator above does all of this instantly — or see the worked $75,000 example.

Bonuses are withheld at a flat 22% federal supplemental rate (37% on supplemental wages above $1 million per year) — but they are not taxed at a special rate. A bonus is ordinary income: your actual tax on it equals your marginal bracket when you file. If your effective rate is below 22%, the over-withholding comes back as a refund; if above 22%, you’ll owe more. You also pay 6.2% Social Security, 1.45% Medicare, and state tax on bonus income. A $5,000 bonus typically sees about $1,483 withheld ($1,100 federal + $310 SS + $72.50 Medicare).

Biweekly means paid every two weeks — 26 paychecks per year. Semi-monthly means paid twice a month (e.g., the 1st and 15th) — 24 paychecks per year. Annual salary is identical, but each check differs: a $78,000 salary = $3,000 biweekly ($78,000 ÷ 26) vs $3,250 semi-monthly ($78,000 ÷ 24). Biweekly schedules include two months with three paychecks per year — a handy budgeting bonus. Your total annual tax is the same either way.

Three levers: (1) Fix your W-4 withholding. If you get a big refund every year, you’re over-withholding — adjust your W-4 so more arrives each paycheck. (2) Increase pre-tax 401(k) or HSA contributions. This lowers taxable wages, so more of each dollar reaches you instead of the IRS. (3) Use pre-tax benefits. Health insurance premiums, FSAs, and dependent-care FSAs paid pre-tax dodge both income tax and FICA. See the 7 tips section above for details.

No. In 2026 you pay the 6.2% Social Security tax only on the first $184,500 of wages. High earners who cross that threshold mid-year see Social Security withholding stop for the rest of the year — a noticeable late-year pay bump. Medicare’s 1.45% tax (plus the 0.9% additional Medicare tax over $200,000 single / $250,000 married) applies to all wages with no cap.

The additional Medicare tax is a 0.9% employee-only tax on wages above $200,000 (single / head of household), $250,000 (married filing jointly), or $125,000 (married filing separately). Unlike regular Medicare tax, your employer does not match it. Employers must start withholding it once your wages exceed $200,000 in the calendar year, regardless of filing status — any over- or under-withholding is reconciled on your tax return.

Nine states impose no state income tax on wages in 2026: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. A $75,000 earner in Texas keeps roughly $5,000–$8,000 more per year than the same earner in California (top state rate 13.3%). Note: no-tax states often make it up with higher sales or property taxes — compare total tax burden, not just income tax.

A traditional 401(k) contribution reduces your taxable income for federal and state income taxes — but not FICA taxes. Earn $80,000 and contribute 6% ($4,800/year), and taxable income drops to $75,200. In the 22% bracket that saves about $1,056 in federal tax per year — so take-home falls by less than your contribution. In 2026 you can contribute up to $24,500 ($32,500 if 50+) to a traditional or Roth 401(k). Roth contributions lower take-home dollar-for-dollar (no tax break now) but grow tax-free.

Gross pay is total compensation before anything is taken out — the number on your offer letter, or hourly rate × hours worked. Net pay (take-home pay) is what lands in your bank account after federal income tax, Social Security (6.2%), Medicare (1.45%), state tax, and deductions. The gap includes every line on your pay stub. For most Americans earning $50,000–$100,000, net pay is typically 65–80% of gross pay, depending on state, filing status, and pre-tax deductions.