Choose your state, salary or hourly pay, and how often you’re paid. The calculator works out federal income tax, Social Security, Medicare, state and local taxes and pre-tax deductions for 2026, and shows what’s left.
Paycheck calculator
Choose your state, enter your pay, and see what lands in your account each payday.
Your take-home pay every two weeks
$0
| Item | Per paycheck | Per year |
|---|
Estimates for 2026 using federal brackets from IRS Rev. Proc. 2025-32 and state rates from the Tax Foundation. Your employer’s withholding tables, W-4/state forms and benefits can change your actual paycheck. Not tax advice.
What comes out of a paycheck
| Deduction | 2026 rate |
|---|---|
| Federal income tax | 10%-37% of taxable income, after a $16,100 standard deduction (single) |
| Social Security | 6.2% of wages up to $184,500 |
| Medicare | 1.45% of all wages (+0.9% over $200,000) |
| State income tax | 0% to 13.3% depending on your state |
| Local tax | Some cities and counties, for example Maryland counties, NYC and many Ohio and Pennsylvania towns |
| State payroll programs | Disability or paid-leave contributions in about a dozen states |
Salary or hourly?
For hourly pay, enter your rate, regular hours and any overtime hours. Overtime is paid at 1.5× your rate. You can also apply an estimate of the federal overtime deduction for 2025-2028: see no tax on overtime.
Take home more
Pre-tax 401(k) and health contributions lower your income tax. If you got a big refund last year, you may be over-withheld: update your W-4.
Frequently asked questions
How accurate is this paycheck calculator?
It uses 2026 federal and state tax rates and is usually within a few dollars of a typical paycheck. Differences come from employer withholding tables, W-4 settings, benefits and local taxes.
Why is my first paycheck of the year different?
Social Security stops once you reach the $184,500 wage base, and some benefits deductions change with the plan year.
Does this include bonuses?
No: use the bonus tax calculator.