US paycheck calculator 2026

Enter your pay and state to see the take home pay for each paycheck, with every federal and state deduction listed.

Your gross wages for the pay period you choose, before anything is taken off.

The state where you live and work. State tax follows its 2026 withholding method.

Used only when the state is New York.

A percent of your pay, or an amount each pay period. It lowers income tax but not Social Security or Medicare.

Paid through payroll, so up to the family limit it lowers income tax, Social Security and Medicare.

Lowers federal income tax only. Premiums paid through a cafeteria plan may also lower Social Security and Medicare tax, which this calculator does not model.

More options

Part of your pay above, from a job where tips are usual. They still pay Social Security and Medicare.

Only the extra half of time and a half, as part of your pay above.

Show pay per

Take home pay

$50,390.00

You keep 83.98%.

Income tax a year
$5,020.00
Marginal rate
19.65%
Employer cost a year
$64,590.00
Breakdown
ItemA year
Gross pay$60,000.00
Federal income tax$5,020.00
Social Security$3,720.00
Medicare$870.00
Total deductions$9,610.00
Take home pay$50,390.00
What the employer pays on top
ItemA year
Employer Social Security$3,720.00
Employer Medicare$870.00
How we calculate

Marginal rate 19.65%, effective rate 16.02%.

Read the method in full

How taxable income is worked out
StepAmount
Wages$60,000.00
Less the standard deduction$16,100.00
Taxable income$43,900.00

What this does not include

  • Covers federal income tax, Social Security and Medicare on wages from one job across the whole tax year.
  • Works out the tax on the return with the standard deduction. Withholding from a Form W-4 can differ, so a paycheck may show more or less tax.
  • Does not include itemized deductions, tax credits such as the child tax credit, or income other than wages.
  • The tips, overtime and age 65 deductions need a joint return when married, and only qualified amounts count. For overtime only the extra half of time and a half counts.
  • Treats an HSA contribution as paid through payroll, so up to the family limit it lowers Social Security and Medicare too. Any amount over the limit is taxed as wages. California and New Jersey tax HSA contributions, so there the HSA does not lower state income tax.
  • Other pre tax deductions come off income tax wages only. A cafeteria plan can also take premiums off Social Security and Medicare wages, and that is not modeled.
  • Additional Medicare Tax uses the threshold of your filing status. An employer withholds it only on wages over $200,000, so the tax on the return can differ.
  • Does not include the extra standard deduction for blindness, the car loan interest deduction, or federal unemployment tax paid by the employer.
  • State income tax follows the 2026 withholding method of your state for one job and no dependents, mostly with one allowance for you and one for a spouse on a joint return. The tax on your state return can differ.
  • New York and Oregon withholding is worked out with zero allowances, and Minnesota with the allowances its W-4MN worksheet gives one job: two single, three married or head of household.
  • State tax starts from the same wages as federal income tax, after pre tax deductions. Pennsylvania taxes 401(k) contributions, and that is not modeled.
  • In New York one rate applies to all net wages from $1,077,550 single ($2,155,350 married), so state tax jumps there.
  • Alabama lowers its standard deduction by a fixed amount for each $500 of pay over $25,999, so a small raise can cost a little more than it adds there.
  • Arkansas withholding steps up by about $20 at $94,700 of net taxable income.
  • Oregon lowers the federal tax it lets you subtract in steps from $125,000 of pay ($250,000 married), so state tax rises by $150 to $175 at each step.
  • Local income taxes are not included, except the New York City and Yonkers taxes for residents.
  • Where the 2026 figures of a state are still being checked, the result shows federal and payroll taxes only.

Your data stays in your browser. Nothing is uploaded.

For information only, not financial, tax or legal advice.

Last updated . Method checked . Rates checked 2 November 2026. Methodology

This calculator works out what is left of a US paycheck in 2026 after federal income tax, Social Security, Medicare and state taxes. Type your pay for a year, a month, half a month, two weeks or a week, pick a filing status and a state, and the result shows take home pay for every pay frequency. It applies the IRS brackets and standard deduction for 2026 and the 2026 withholding method of each state. A single person in Texas earning $60,000 a year keeps $50,390.00, or $1,938.08 every two weeks, after $5,020.00 of federal income tax and $4,590.00 of Social Security and Medicare. A 401(k), an HSA and other pre tax deductions can be added, and More options holds the new tips, overtime and age 65 deductions. All figures are in US dollars (USD), and the pay you type stays in this browser tab.

How to use the US Paycheck Calculator

  1. Type your pay before tax and choose how often it is paid, from Year to Week.
  2. Pick your filing status and the state where you live and work. Tip: In New York, choose New York City or Yonkers if you live there, so the local tax is added.
  3. Add a 401(k), HSA or other pre tax deduction if your employer takes one from your pay.
  4. Open More options for qualified tips, the overtime premium or people aged 65 or over. Tip: Only the extra half of time and a half counts as overtime premium.
  5. Read the take home pay for your pay period, then switch the period to see a week, a month or a year.
  6. Copy the figures, save the breakdown as a CSV file, or share a link that keeps your inputs.

Worked example

A single person in Texas is paid $60,000 a year in 2026, with no 401(k), HSA or other pre tax deductions. Texas has no state income tax. Every amount is in US dollars (USD).

InputValue
Pay before tax$60,000 a year
Filing statusSingle
StateTexas
Pre tax deductionsNone
 
Taxable income = 60,000 - 16,100 standard deduction = 43,900
Federal income tax = 10% x 12,400 + 12% x (43,900 - 12,400) = 1,240 + 3,780 = 5,020
Social Security = 6.2% x 60,000 = 3,720
Medicare = 1.45% x 60,000 = 870
Texas income tax = 0
Take home = 60,000 - 5,020 - 3,720 - 870 = 50,390 a year
Every two weeks = 50,390 / 26 = 1,938.08
Take home pay a year
$50,390.00
Take home pay every two weeks
$1,938.08
Federal income tax a year
$5,020.00
Social Security and Medicare a year
$4,590.00
Share of pay taken in tax
16.02%

Brackets, the standard deduction and payroll tax rates from the 2026 rates file, checked against IRS Revenue Procedure 2025-32 and Publication 15 on 2 November 2026.

How it is calculated

Yearly pay = pay per period x periods in a year (1, 12, 24, 26 or 52)
Taxable income = yearly pay - 401(k), HSA and other pre tax deductions - standard deduction - tips, overtime and age 65 deductions
Federal income tax = tax on all brackets below + bracket rate x (taxable income - start of the bracket)
Social Security = 6.2% x (pay less HSA), up to the wage base; Medicare = 1.45% x (pay less HSA), plus 0.9% above the threshold
Take home = pay - federal income tax - Social Security - Medicare - state taxes - pre tax deductions

A US paycheck loses money to three federal deductions and, in most states, to a state income tax. The calculator turns your pay into a yearly figure first, because the brackets, the standard deduction and the Social Security wage base are all yearly. It then divides the results by 52, 26, 24 or 12 to show each pay frequency, so a weekly and a monthly view of the same salary always agree.

Federal income tax starts from wages less pre tax deductions. A traditional 401(k) contribution and an HSA paid through payroll come off first, then the standard deduction of your filing status: $16,100 single, $24,150 head of household and $32,200 married filing jointly. What is left is taxed in seven brackets from 10% to 37%. Each rate applies only to the slice of income inside its bracket.

Social Security and Medicare, often shown as FICA on a pay stub, are worked out on pay before the 401(k) comes off. Social Security stops once pay for the year reaches $184,500. Medicare never stops, and the Additional Medicare Tax of 0.9% is added on wages over $200,000 for a single filer. Your employer pays the same Social Security and Medicare again, shown in the employer cost table.

State tax follows the official 2026 withholding method of the state you pick, for one job and no dependents. Most states start from the same wages as federal income tax, take off their own deduction or allowances and apply their rates. Some add wage taxes for disability or paid leave, such as California SDI, New Jersey disability and family leave insurance or the Washington paid leave premium. Nine states have no tax on wages at all.

In the worked example the $60,000 salary loses the $16,100 standard deduction, leaving $43,900 of taxable income. The first $12,400 is taxed at 10% and the rest at 12%, which gives $5,020. Social Security takes $3,720 and Medicare $870, so $50,390 is left, which is $1,938.08 on each of 26 paydays. Pennies are rounded once, at the end of each tax.

Frequently asked questions

How much is taken out of a $60,000 paycheck?

For a single person in a state with no income tax, such as Texas, federal income tax is $5,020 a year and Social Security and Medicare take $4,590. That is $9,610 in all, leaving $50,390. Paid every two weeks, each paycheck loses about $370 and $1,938.08 reaches the bank. A state income tax adds to the deductions.

Does a 401(k) contribution lower my taxes?

A traditional 401(k) contribution comes off the wages used for federal income tax, and in this calculator it comes off state wages as well. Pennsylvania taxes 401(k) contributions, which is not modeled, so with a 401(k) the Pennsylvania tax shown is a little low. It does not lower Social Security or Medicare, which are charged on the full pay. The 2026 limit is $24,500, with $8,000 more from age 50.

Why is my real paycheck different from this result?

Your employer withholds federal tax from the Form W-4 you filled in, using the IRS tables in Publication 15-T. Extra withholding, a second job or a spouse's pay entered on the W-4 change each paycheck. Health premiums, local taxes and a raise part way through the year also make a difference. This calculator shows the average over a full year at a steady salary.

When does Social Security stop coming out of my pay?

Social Security is 6.2% of wages up to $184,500 in 2026. Once your pay for the year passes that amount, the deduction stops until January, so the last paychecks of the year are larger for high earners. Medicare at 1.45% has no limit, and an extra 0.9% is withheld on wages over $200,000 a year.

Are tips and overtime still taxed on a paycheck?

Yes. Qualified tips and the premium part of overtime pay still count for Social Security and Medicare. The new deductions, up to $25,000 of tips and $12,500 of overtime premium ($25,000 on a joint return), are claimed on the federal return, so they lower federal income tax for the year. Enter them under More options to see the effect.

Guides for this tool

Paycheck calculator by state

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