Paycheck Calculator 2026: Estimate Your Take-Home Pay

1. Gross pay for the period: annual salary ÷ pay periods, or hourly rate × hours (plus overtime at 1.5× where it applies).
2. Minus pre-tax deductions: traditional 401(k), HSA, health, dental and vision premiums.
3. Minus federal income tax, based on your Form W-4 and IRS Publication 15-T.
4. Minus FICA: Social Security 6.2% (up to $184,500) and Medicare 1.45% (+0.9% above $200,000).
5. Minus state income tax, local income tax and state payroll programs (disability, paid leave) where they apply.
6. What is left is your net pay – the amount deposited in your account.

Single filer, paid every two weeks, standard deduction, no pre-tax deductions, no local taxes except where every resident pays one (Indiana county and Maryland county examples). Federal income tax ($5,020) and FICA ($4,590) are the same everywhere; the difference is state tax and state payroll deductions. 8 states tie for the most take-home pay at $50,390 (Florida, Nevada, New Hampshire, North Dakota, South Dakota, Tennessee, Texas, Wyoming); Oregon is last with $45,929 – a gap of $4,461 a year.

Full-time hours (40 a week, 52 weeks), single filer, before any state tax. In a state with an income tax, use the state page for the extra deduction.

Weekly pay gives 52 checks a year, biweekly 26, semi-monthly 24 and monthly 12. Your yearly take-home is the same, but biweekly workers get two 'extra' paychecks a year – useful to know when budgeting monthly bills. On a $60,000 salary in a no-tax state, take-home is about $969 a week, $1,938 every two weeks, $2,100 twice a month or $4,199 a month.

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. New Hampshire also repealed its tax on interest and dividends from 2025, and Washington taxes only large capital gains.

• New York – New York City and Yonkers
• Maryland – every county and Baltimore City (2.25%–3.30%)
• Indiana – every county
• Pennsylvania – local earned income tax in almost every municipality; Philadelphia 3.735%
• Ohio – most cities (often 2%–2.5%) and some school districts
• Michigan – 24 cities including Detroit (2.4%)
• Kentucky – many city and county occupational taxes
• Missouri – Kansas City and St. Louis (1%)
• Alabama – Birmingham and other cities' occupational taxes
• Delaware – Wilmington (1.25%)
• Colorado – flat monthly taxes in Denver, Aurora and a few other cities
• Oregon – Portland-area taxes on high incomes

• Georgia: rate cut to 4.99% and standard deduction raised to $15,000 (retroactive to 1 January 2026).
• South Carolina: new 1.99% / 5.21% structure and SC Income Adjusted Deduction (Act 110).
• Utah: rate cut to 4.45%.
• Ohio: one flat 2.75% rate above $26,050.
• Oklahoma: brackets simplified to 0%–4.5%.
• Kentucky: 3.5% (from 4%); Indiana: 2.95% (from 3%); North Carolina: 3.99% (from 4.25%); Mississippi: 4.0% (from 4.4%).
• Oregon: statewide transit tax doubled to 0.2%.
• Rhode Island: TDI down to 1.1%, wage base up to $100,000.
• Washington: PFML premium up to 1.13% of wages.
• Minnesota: new Paid Leave payroll deduction from 1 January 2026.
• California: SDI 1.3% on all wages.
• Colorado: FAMLI premium down to 0.88% (0.44% employee).
• Federal: standard deduction $16,100 (single) / $32,200 (joint); Social Security wage base $184,500.

The joint standard deduction ($32,200) and wider brackets cut federal tax for a one-earner couple. Two-earner couples should tick Step 2 on Form W-4 so enough is withheld.

• Gross pay – earnings before any deductions.
• Pre-tax deductions – 401(k), HSA and Section 125 benefits; they reduce taxable wages.
• Federal income tax (FIT/FITW) – based on your W-4.
• OASDI / Social Security and Medicare – together called FICA (7.65%).
• State income tax (SIT/SITW) and local tax – where your state or city taxes wages.
• State programs – SDI, PFML, TDI, FAMLI or transit tax, depending on the state.
• Net pay – the amount paid to you.