Paycheck Calculator

Gross Annual Salary

Filing Status

Pay Frequency

State Tax Rate (flat estimate, optional)

Nine states (TX, FL, WA, NV, TN, SD, WY, AK, NH*) have no state income tax — leave at 0 for those.

Pre-tax deductions (401k, health insurance) /yr

Take-Home Pay Per

Annual Take-Home

Total Annual Tax

Annual Deduction Breakdown

Gross Salary

Pre-tax deductions

Federal Income Tax

Social Security (6.2%)

Medicare (1.45%)

State Tax (est.)

Net Take-Home

💡 What this means

Effective tax rate

Take-home hourly (40hr/wk)

Free US Paycheck Calculator

Estimate what actually lands in your bank account after federal income tax, Social Security, Medicare, and state tax — broken down by paycheck, month, or year. Useful for budgeting, comparing job offers, or checking a new employer's payroll numbers.

What Gets Deducted From Your Paycheck

Federal income tax — based on 2026 IRS marginal tax brackets and your filing status
Social Security — a flat 6.2% up to the annual wage base limit
Medicare — a flat 1.45% on all wages (plus an extra 0.9% above $200,000)
State income tax — varies widely; nine states charge none at all

How This Calculator Works

This tool applies the 2026 IRS marginal tax bracket schedule to your gross salary minus any pre-tax deductions (like 401(k) contributions or health insurance premiums), then adds FICA taxes on top. It's an estimate — actual withholding depends on your W-4 elections, additional credits, and local taxes not modeled here.

Frequently Asked Questions

Why is my actual paycheck different from this estimate? Real payroll also factors in your W-4 allowances/elections, local city taxes, union dues, additional voluntary deductions, and any tax credits — this calculator estimates the core federal/FICA/state components only.

What's the difference between gross and net pay? Gross pay is your salary before any deductions. Net (take-home) pay is what actually deposits into your bank account after taxes and deductions.

Do 401(k) contributions reduce my taxable income? Yes — traditional 401(k) contributions are pre-tax, lowering the income federal tax is calculated on (Social Security and Medicare still apply to the full amount).

Which states have no income tax? Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, and Wyoming charge no state income tax. New Hampshire only taxes interest and dividend income.

Is this financial or tax advice? No — this is an educational estimate. For an exact figure, consult a tax professional or your employer's payroll department. See our methodology page for the bracket data and assumptions used.

Sources & further reading

IRS — Federal income tax brackets and rates. irs.gov
Social Security Administration — Contribution and benefit base. ssa.gov
IRS — Additional Medicare Tax guidance. irs.gov

Written by Alex van den Berg · Last reviewed 6 August 2026 · How we test our calculators · Report an error

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