Turn your salary or hourly wage into take-home pay per paycheck. The calculator uses the 2026 federal tax brackets and standard deduction, Social Security and Medicare, your 401(k) and pre-tax benefits, and an approximate state rate.
What comes out of your paycheck
| Deduction | 2026 rate |
|---|---|
| Federal income tax | 10% to 37% (progressive brackets) |
| Social Security | 6.2% on wages up to $184,500 |
| Medicare | 1.45% (+0.9% above $200,000) |
| State income tax | 0% to about 13%, by state |
| 401(k) / health premiums | Pre-tax, lowers taxable income |
2026 standard deduction
| Filing status | Standard deduction |
|---|---|
| Single | $16,100 |
| Married filing jointly | $32,200 |
| Head of household | $24,150 |
Biweekly take-home pay by salary
Single filer, no state income tax (e.g. Texas or Florida), no 401(k) or benefits.
| Salary | Federal tax | FICA | Take-home per check | Yearly take-home |
|---|---|---|---|---|
| $40,000 | $100.77 | $117.69 | $1,320.00 | $34,320 |
| $60,000 | $193.08 | $176.54 | $1,938.08 | $50,390 |
| $75,000 | $295.00 | $220.67 | $2,368.94 | $61,593 |
| $100,000 | $506.54 | $294.23 | $3,045.38 | $79,180 |
| $150,000 | $951.31 | $441.35 | $4,376.58 | $113,791 |
Frequently asked questions
Why is my real paycheck different?
Withholding depends on your W-4, benefits, local taxes and bonuses. This calculator estimates the tax you owe for the year spread evenly across paychecks.
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wages. Set the state rate to 0% for these.
Does contributing to a 401(k) reduce my taxes?
Yes. Traditional 401(k) contributions come out before federal and most state income tax, so each dollar saved costs less than a dollar of take-home pay. They still count for Social Security and Medicare.
Related calculators
Estimates only, not tax advice. Uses IRS 2026 brackets; credits other than the Child Tax Credit and local taxes are not included.
