Estimate your net pay after federal income tax, Social Security, Medicare, state tax, and deductions. Uses 2026 federal tax brackets for accurate paycheck estimates.
Adjust the values — net pay updates live.
Net Take-Home Pay
Federal Tax
$394.33
FICA (SS+Med.)
$382.50
State Tax
$240.00
Deductions
$250.00
| Item | Per Paycheck | Annual |
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About Take-Home Pay
Your gross pay goes through several deduction layers before you receive net: pre-tax 401(k)/HSA, federal income tax, FICA (SS + Medicare), state tax, and post-tax deductions.
Pre-tax contributions reduce your taxable income — meaningfully lowering federal and state withholding.
2026 Federal Brackets (Single)
The Formula
Your paycheck moves through six deduction stages: pre-tax 401(k)/HSA, federal income tax (using marginal brackets), Social Security (6.2% up to wage base), Medicare (1.45%), state tax, and post-tax deductions. The remainder is your net take-home pay.
Formula
About This Tool
A take-home paycheck calculator estimates how much of your gross pay actually lands in your bank account after federal taxes, FICA (Social Security + Medicare), state tax, and pre-tax/post-tax deductions are withheld. Useful for budgeting, comparing job offers, or checking your employer's withholding.
This calculator uses the official 2026 IRS marginal brackets and standard deductions for both Single and Married Filing Jointly status. It also models the Social Security wage base ($184,500 in 2026) and the additional 0.9% Medicare surtax over $200,000.
Pre-tax deductions (401(k), HSA, FSA, employer health insurance) reduce your taxable income before federal and state taxes are calculated — this calculator shows the exact tax savings of contributing more to your retirement or health accounts.
2026 Federal Brackets
Official IRS marginal rates and standard deductions for both filing statuses.
FICA Breakdown
Shows Social Security and Medicare separately for accuracy.
State Tax Support
Enter any state rate or 0% for no-income-tax states.
Pre-Tax Savings
See exact tax savings from 401(k), HSA, and FSA contributions.
Visual Breakdown
Donut chart shows where every dollar of gross pay actually goes.
All Pay Frequencies
Weekly, bi-weekly, semi-monthly, monthly, or annual gross pay.
Estimate your take-home pay in less than a minute.
Type your gross pay — the amount before any taxes or deductions. Check your pay stub for the Gross Pay line.
Pick how often you receive paychecks. Weekly, bi-weekly, semi-monthly, monthly, or annual all work.
Single or Married Filing Jointly — determines your standard deduction ($16,100 vs $32,200 in 2026) and bracket thresholds.
Enter your state's income tax rate. Set to 0% for no-income-tax states (FL, TX, WA, NV, etc.).
Enter pre-tax (401k, HSA, premiums) and post-tax (Roth, garnishments) per-paycheck amounts. Pre-tax meaningfully lowers your taxes.
The Schedule tab shows every deduction line-by-line — per paycheck and annual — like a real pay stub.
Common questions about paycheck deductions, taxes, and net pay.
FICA funds Social Security and Medicare. Social Security is 6.2% of wages up to $184,500 (2026 wage base). Medicare is 1.45% on all wages, with an additional 0.9% on wages over $200,000 for single filers. Your employer matches your contribution but that match doesn't come out of your paycheck.
Pre-tax deductions — 401(k), HSA, FSA, employer health insurance — are subtracted from your gross pay before federal and state income taxes are calculated. This lowers your taxable income, reducing tax owed. Pre-tax deductions do not reduce Social Security and Medicare taxes.
Actual withholding is set by your W-4 form elections. Factors include multiple jobs, spouse income, claimed credits, additional voluntary withholding, and local income taxes. This calculator uses the standard bracket method for a close estimate, but your employer's payroll system applies your exact W-4 instructions.
The 2026 standard deduction is $16,100 for Single filers and $32,200 for Married Filing Jointly. This amount is subtracted from your gross income before federal tax brackets are applied. If your itemized deductions exceed this, you can itemize instead.
Nine states have no state income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Set the state tax rate to 0% for these states. Some localities may charge a separate local income tax.
Bi-weekly = 26 paychecks/year (every two weeks). Semi-monthly = 24 paychecks/year (twice a month, e.g., 1st & 15th). Annual tax is the same either way, but per-check withholding differs: bi-weekly checks are Annual ÷ 26 and semi-monthly are Annual ÷ 24.
Increasing traditional 401(k) contributions reduces your taxable income and lowers federal/state withholding immediately — but the money is still saved for retirement. The 2026 limit is $24,500, plus an $8,000 catch-up if you are 50 or older ($11,250 at ages 60–63). Try increasing pre-tax deductions in this calculator to see the exact savings.
Results are estimates for education and planning. They are not financial, tax or legal advice. Rates, fees and tax rules change, so confirm the figures with your lender, the IRS or a qualified professional before you make a decision.
Spotted an error or out-of-date figure? Tell us. We review every report and correct confirmed mistakes promptly.