Seven brackets, 10% to 37%
The top rate starts at $640,600 for single filers and $768,700 for married couples filing jointly. Only income inside each band is taxed at that rate.
2026 tax year · All 50 states + DC
2026 paycheck calculator: know what actually lands in your bank account.
A free paycheck calculator that applies the 2026 federal brackets, FICA, and your state's income tax rules. No signup, no spreadsheets, no guesswork.
- 2026 IRS brackets
- Social Security wage base $184,500
- State-by-state rules
At a glance · 2026
- Federal rates
- 10% – 37%
- Standard deduction
- $16,100 single
- Social Security
- 6.2% up to $184,500
- No wage tax
- 9 states
Estimates for planning and comparing offers. Not tax advice.
Start here
Paycheck calculator
Enter your gross pay, filing status, and state. See your estimated net pay instantly.
| Period | Gross | Taxes | Take-home |
|---|---|---|---|
| Year | $60,000.00 | $11,412.49 | $48,587.51 |
| Month | $5,000.00 | $951.04 | $4,048.96 |
| Semimonthly | $2,500.00 | $475.52 | $2,024.48 |
| Biweekly | $2,307.69 | $438.94 | $1,868.75 |
| Week | $1,153.85 | $219.47 | $934.38 |
| Hour | $28.85 | $5.49 | $23.36 |
Federal data: IRS Rev. Proc. 2025-32 and Publication 15 (2026). State data: Tax Foundation, State Individual Income Tax Rates and Brackets, 2026. Local taxes are excluded. Methodology.
State matrix
Paycheck calculator by state
Each state page uses that state's 2026 income tax brackets and deductions.
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Have a question about this result?
What changed
The 2026 numbers that shape your paycheck
Social Security stops at $184,500
You pay 6.2% on wages up to the 2026 wage base, plus 1.45% Medicare on all wages and an extra 0.9% above $200,000 single / $250,000 joint.
Nine states don't tax wages
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington (wages), and Wyoming. The rest use flat or graduated rates.
Learn
Paycheck guides
Why Your Paycheck Changes When You Move States
The same salary can mean very different take-home pay in California, Texas, and New York.
Read guide →How to Calculate Net Pay From Gross Pay (With Examples)
The simple formula behind every paycheck, plus a biweekly example you can copy.
Read guide →Federal vs. State Payroll Taxes: A Simple Guide
What the federal government withholds, what your state withholds, and why the difference matters.
Read guide →Answers
Frequently asked questions
How does this paycheck calculator work?
It applies the 2026 federal income tax brackets, Social Security and Medicare rates, and your state's 2026 income tax rules to your gross pay, then subtracts the total from gross pay.
Is this paycheck calculator accurate?
It is an estimate for planning and comparison. Actual withholding depends on your W-4, employer payroll tables, local taxes, credits, and other income.
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington (wages), and Wyoming do not tax wage income.
Does a 401(k) reduce Social Security and Medicare tax?
Generally no. Traditional 401(k) contributions reduce federal and state income tax, but they usually do not reduce FICA wages.
Free checklist
Get the 2026 paycheck checklist
One short email: the 2026 brackets, the FICA wage base, and a pre-move salary comparison checklist. No spam.
Estimate, not advice. PaycheckMatrix is an independent calculator. Actual withholding depends on your W-4, employer payroll tables, local taxes, credits, and other income. Read the full disclaimer.