US Paycheck Calculator — See Your Exact Take-Home Pay After Taxes
Enter your salary and state. Get a complete federal + state + FICA tax breakdown instantly. Updated for 2026 tax brackets.
Maximize Your Take-Home
Open a 401(k) with Fidelity — save on taxes
Free Tax Filing
File with TurboTax — get your max refund
Understanding Your Pay Stub
Every line on your paycheck explained
Gross Pay
Your total earnings before any deductions. This is your salary or hourly rate multiplied by hours worked.
Federal Withholding
Income tax withheld based on 2026 federal brackets and your W-4 filing status. Ranges from 10% to 37%.
FICA Taxes
Social Security (6.2% up to $176,100) and Medicare (1.45% + 0.9% on high earners) — mandatory for nearly all US workers.
State Tax
Varies by state from 0% to 13.3%. Nine states have no income tax at all. Use our calculator to see your state's impact.
Pre-Tax Deductions
401(k), health insurance, HSA, and FSA contributions that reduce taxable income.
Net Pay (Take-Home)
What you actually receive after all deductions. This is the amount deposited to your bank account.
2026 Federal Tax Brackets
Progressive brackets mean you only pay higher rates on income above each threshold
| Rate | Single | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | $0 – $11,925 | $0 – $23,850 | $0 – $17,000 |
| 12% | $11,926 – $48,475 | $23,851 – $96,950 | $17,001 – $64,850 |
| 22% | $48,476 – $103,350 | $96,951 – $206,700 | $64,851 – $103,350 |
| 24% | $103,351 – $197,300 | $206,701 – $394,600 | $103,351 – $197,300 |
| 32% | $197,301 – $250,525 | $394,601 – $501,050 | $197,301 – $250,500 |
| 35% | $250,526 – $626,350 | $501,051 – $751,600 | $250,501 – $626,350 |
| 37% | Over $626,350 | Over $751,600 | Over $626,350 |
Income Tax by State
Click any state to see tax details
Frequently Asked Questions
About PaycheckCalc
Helping American workers understand their take-home pay
PaycheckCalc is a free paycheck calculator built to help American workers and job seekers understand exactly how much money they'll take home after federal, state, and FICA taxes. Our tool covers all 50 states plus Washington DC.
Whether you're evaluating a new job offer, planning your budget, or exploring how pre-tax deductions like 401(k) contributions affect your take-home pay, our calculator gives you instant, accurate results based on the latest tax brackets.
Disclaimer: PaycheckCalc provides estimates for educational purposes only. Actual paycheck amounts may vary based on employer-specific deductions, local taxes, and other factors. This is not tax advice — consult a qualified tax professional for your specific situation.
Privacy Policy
Last Updated: January 1, 2026
PaycheckCalc ("we," "us," or "our") values your privacy.
Calculator Privacy
All paycheck calculations run entirely in your browser. We never transmit, store, or have access to your salary, tax, or deduction information. Your financial data stays on your device.
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We use Google Analytics to understand site traffic and improve the calculator experience. We also use cookies for analytics and advertising. You can manage cookies through your browser settings.
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Your Rights
Contact hello@paycheckaftertax.io for privacy inquiries. California residents have additional rights under the CCPA.
Terms of Use
Last Updated: January 1, 2026
Not Tax Advice
PaycheckCalc is an educational calculator tool. It does not provide tax, legal, or financial advice. Results are estimates and may not reflect your actual paycheck. Always consult a qualified tax professional.
Accuracy
We strive for accuracy using publicly available tax data, but tax laws change frequently. We make no guarantees about the completeness or accuracy of calculations. Verify all results with official IRS and state tax resources.
Limitation of Liability
PaycheckCalc is provided "as is" without warranties. We are not liable for any tax filing errors, financial decisions, or other consequences resulting from use of this calculator.