Use our free paycheck calculator for all U.S. states. Updated for 2026 IRS and state tax laws. Estimate your net pay from salary, hourly, bonus, or overtime wages — no signup required.
Our free USA Paycheck Calculator helps you instantly estimate your take-home pay (net pay) for all 50 states using the latest 2026 tax data. Simply enter your salary or hourly wage, select your state and filing status, and the calculator automatically applies federal income tax, FICA (Social Security + Medicare), and state-specific income tax to show your accurate net pay. Whether you're an employee, freelancer, or small business owner, our hourly to salary tools and state calculators give you a crystal-clear picture of your earnings.
Select your state below to calculate your salary after taxes, hourly wages, and withholding. Updated for 2026.
Input your hourly wage or annual salary, along with your pay frequency (weekly, biweekly, semi-monthly, or monthly).
Choose your state from all 50 states and select Single or Married filing status for accurate withholding.
We apply 2026 IRS tax brackets, FICA (6.2% Social Security + 1.45% Medicare), and your state's income tax rates.
See your accurate take-home pay after all federal, state, and payroll taxes — no registration or email required.
Updated for the 2026 tax year including new standard deductions, federal brackets, Social Security wage base ($176,100), and state-specific rates.
Specialized logic for every state, including no-tax states (TX, FL, WA, NV, etc.), progressive states (CA, NY), and flat-rate states (IL, PA).
No registration required. All calculations happen in your browser — no data is stored or shared. Lightweight design works on desktop and mobile.
Works for salary, hourly, bonus, overtime, and 1099 contractor income. Includes pre-tax deduction support for 401k, HSA, and insurance.
Understanding your paycheck is essential for effective financial planning. In the United States, your take-home pay (also called net pay) is often significantly less than your gross salary due to mandatory tax withholdings and voluntary deductions. A paycheck calculator helps you bridge this gap by showing exactly what you'll receive after all deductions.
The federal government uses a progressive tax system, meaning you pay higher rates on higher portions of your income. For 2026, the federal brackets range from 10% to 37%. Your filing status (Single, Married Filing Jointly, or Head of Household) determines which bracket thresholds apply. Use our Federal Tax Calculator to estimate your specific federal withholding.
Every W-2 employee pays FICA taxes — a combined 7.65% of wages. This consists of:
Your state of residence dramatically affects your paycheck. The United States has three types of state income tax systems:
Different income types are taxed differently. Bonuses are typically withheld at a flat 22% federal rate (or aggregate method). Overtime is taxed at your regular marginal rate since it's combined with your regular wages. 1099 contractors pay both the employee AND employer portions of FICA (15.3% self-employment tax). Our Bonus Tax Calculator, Overtime Calculator, and 1099 Tax Calculator handle these scenarios precisely.
The standard deduction for 2026 is $14,600 for single filers. Here are the federal brackets applied to taxable income after the standard deduction:
For married filers, bracket thresholds are roughly double. Use our federal tax calculator for your specific scenario.
Want to keep more of what you earn? Consider these strategies:
To calculate your paycheck, enter your gross pay, pay frequency (weekly, biweekly, semi-monthly, or monthly), filing status (Single or Married), and state. Our tool automatically subtracts federal withholding, FICA taxes (6.2% Social Security + 1.45% Medicare), and applicable state income taxes to show your net take-home pay.
As of 2026, the states with no state income tax on wages are: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire does not tax earned wages but taxes interest and dividend income.
Gross pay is your total earnings before any deductions (your salary or hourly rate times hours worked). Take-home pay (net pay) is what you actually receive after subtracting federal income tax, Social Security, Medicare, state/local income taxes, and voluntary deductions like 401(k) contributions or health insurance premiums.
Our calculator uses official 2026 IRS tax brackets, FICA rates, and state-specific withholding tables sourced from government publications. It provides highly accurate estimates for planning purposes. Exact amounts may vary slightly based on your employer's specific payroll software, W-4 settings, and benefits elections.
For 2026 single filers: 10% ($0-$11,600), 12% ($11,601-$47,150), 22% ($47,151-$100,525), 24% ($100,526-$191,950), 32% ($191,951-$243,725), 35% ($243,726-$609,350), and 37% (over $609,350). The standard deduction is $14,600 for single filers and $29,200 for married filing jointly.
Yes! Our calculator supports pre-tax deductions including 401(k)/403(b) contributions, Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and health/dental/vision insurance premiums. Entering these deductions gives you a more accurate picture of your actual take-home pay.