Paycheck Calculator
Calculate your take-home pay after federal and state taxes
Salary Information
Enter 0 for states with no income tax (TX, FL, WA, etc.)
Disclaimer: This calculator provides estimates based on 2024 federal tax brackets and does not account for all deductions, credits, or state-specific rules. For accurate tax planning, consult a qualified tax professional.
Why Use Our Paycheck Calculator?
2026 Tax Brackets
Updated with the latest IRS federal tax rates and Social Security limits.
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2026 Federal Tax Brackets
| Tax Rate | Single Filers | Married Filing Jointly |
|---|---|---|
| 10% | $0 - $11,600 | $0 - $23,200 |
| 12% | $11,601 - $47,150 | $23,201 - $94,300 |
| 22% | $47,151 - $100,525 | $94,301 - $201,050 |
| 24% | $100,526 - $191,950 | $201,051 - $383,900 |
| 32% | $191,951 - $243,725 | $383,901 - $487,450 |
| 35% | $243,726 - $609,350 | $487,451 - $731,200 |
| 37% | Over $609,350 | Over $731,200 |
Source: IRS Revenue Procedure 2023-34. Standard deduction: $14,600 (single) / $29,200 (married).
States with No Income Tax
If you live in one of these states, enter 0% for state tax in the calculator above.
How to Calculate Your Take-Home Pay
Your take-home pay(also called net pay) is what's left after all taxes and deductions are taken from your gross salary. Understanding your paycheck breakdown helps you budget effectively and plan for major expenses.
What Taxes Are Deducted from Your Paycheck?
- Federal Income Tax: Based on your taxable income and filing status (10% to 37%)
- Social Security Tax: 6.2% of wages up to $176,100 (2026 limit)
- Medicare Tax: 1.45% of all wages (plus 0.9% additional tax for high earners)
- State Income Tax: Varies by state (0% to 13.3%)
How to Reduce Your Tax Withholding
You can legally reduce your taxable income and increase your take-home pay by:
- Contributing to a traditional 401(k) or 403(b) plan
- Using a Health Savings Account (HSA) if eligible
- Contributing to a Flexible Spending Account (FSA) for healthcare or dependent care
- Maximizing your commuter benefits if offered by your employer
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Frequently Asked Questions
How do I calculate my take-home pay?
Enter your gross annual salary, select your pay frequency, choose your filing status, and enter your state tax rate. The calculator shows your net pay after federal taxes, Social Security, Medicare, and state taxes.
What percentage of my paycheck goes to taxes?
It depends on your income and location. Federal income tax ranges from a significant amount, Social Security is 6.2%, Medicare is 1.45%, and state taxes vary from 0% to 13.3%.
How much is Social Security tax in 2026?
Social Security tax is 6.2% of wages up to the wage base limit of $176,100 in 2026. Income above this limit is not subject to Social Security tax.
Which states have no income tax?
Nine states have no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming.
How can I increase my take-home pay?
Contribute to pre-tax retirement accounts (401k), use HSA or FSA accounts, and claim all eligible deductions on your W-4 form.
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