US Paycheck Calculator (Take Home Pay)
Estimate take home pay per paycheck after 2026 federal income tax, Social Security, Medicare, 401(k) and your state income tax rate.
Runs on your device
Result
Results appear here as you type.
What it does
Federal tax uses 2026 brackets and the standard deduction; Social Security is 6.2% up to $184,500 and Medicare 1.45% plus 0.9% on high earnings. Enter your state’s rate yourself (0% in states such as Texas and Florida).
How to use it
- Enter annual salary and pay frequency.
- Add filing status, 401(k) % and your state tax rate.
- Read net pay per paycheck.
Example
The example fills in realistic values and runs the tool. Select Try an example above to see it.
When it helps
- Evaluating a job offer.
- Budgeting with real take home pay.
- Seeing the effect of 401(k) contributions.
Questions
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire (wages), South Dakota, Tennessee, Texas, Washington and Wyoming.
Why is my real paycheck different?
Health insurance, local taxes, W-4 choices and credits all change withholding.
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