Free · No signup · 2026 rates
Paycheck Calculator — Net Take-Home Pay After Taxes
Enter your salary, pay frequency, and deductions to see your exact take-home pay after federal tax, state tax, Social Security, and Medicare. Pre-filled with 2026 rates for all 50 states — pick your state below or adjust any input manually.
States covered
50
Social Security
6.2%
Medicare
1.45%
No-income-tax states
9
Take-home is 60% of gross — $1,744.10/paycheck
After taxes, FICA, 401k (6%), and health insurance, you keep $1,744.10 of $2,884.62 gross. Pre-tax contributions like 401k and HSA lower your taxable income and improve this ratio.
- ›Annual take-home: $45,347 (60% of $75,000 salary)
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Default state tax is 5% (rough national median). Pick your state below for the exact 2026 rate.
No state income tax
9 statesWorkers in these states pay only federal income tax and FICA (7.65%) — no state tax line on their paycheck.
Flat income tax
16 statesA single rate applies to all taxable income — your marginal and effective rates are the same.
Graduated income tax
25 statesTax rate increases with income. Each state page shows the top marginal rate pre-filled — adjust to your actual bracket.
Alabama
Top 5%
Arkansas
Top 3.9%
California
Top 13.3%
Connecticut
Top 6.99%
Delaware
Top 6.6%
Hawaii
Top 11%
Kansas
Top 5.58%
Maine
Top 7.15%
Maryland
Top 6.5%
Minnesota
Top 9.85%
Missouri
Top 4.7%
Montana
Top 5.65%
Nebraska
Top 4.55%
New Jersey
Top 10.75%
New Mexico
Top 5.9%
New York
Top 10.9%
North Dakota
Top 2.5%
Oklahoma
Top 4.5%
Oregon
Top 9.9%
Rhode Island
Top 5.99%
South Carolina
Top 6%
Vermont
Top 8.75%
Virginia
Top 5.75%
West Virginia
Top 4.82%
Wisconsin
Top 7.65%
How to use this calculator
- 1
Enter your gross annual salary
Use your total salary before any deductions — the number on your offer letter or pay stub gross.
- 2
Select your pay frequency
Bi-weekly (26 paychecks/year) is the most common in the US. Semi-monthly is 24 paychecks; monthly is 12.
- 3
Set your federal withholding rate
The 22% bracket applies to most middle-income single filers ($47,150–$100,525 in 2026). Married filers with the same income pay a lower effective rate.
- 4
Enter your state rate or pick a state
Select your state from the grid above for the pre-filled 2026 rate, or enter any rate manually. Workers in TX, FL, NV, or 6 other states enter 0.
- 5
Add pre-tax deductions
401k contributions and health insurance premiums are deducted before taxes, reducing your taxable income and increasing net pay relative to post-tax deductions.
Notable 2026 state tax changes
- Iowa — now a flat 3.8% (down from a previous top rate of 8.98%)
- Kentucky — reduced to 3.5% flat (from 4.5% in 2022)
- North Carolina — reduced to 3.99% flat (from 5.25% in 2022)
- Georgia — 5.19% flat, continuing annual reductions toward 4.99%
- Ohio — 2.75% flat on income above $26,050; income below is exempt
- Missouri — top rate reduced to 4.7% (from 5.4%)
- Louisiana — new flat 3% rate (replaced progressive structure via 2024 ballot)
- Nebraska — top rate reduced to 4.55%, heading toward 3.99% by 2027
- West Virginia — top rate reduced to 4.82% under ongoing phase-down
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Frequently asked questions
How is net take-home pay calculated?
Net pay = Gross pay − Pre-tax deductions − Federal income tax − State income tax − Social Security (6.2%) − Medicare (1.45%) − Post-tax deductions. Pre-tax deductions (401k, health insurance premiums) reduce your taxable income before taxes are calculated, which is why increasing your 401k contribution lowers your tax bill — the net cost to your paycheck is less than the contribution amount.
What is the difference between bi-weekly and semi-monthly pay?
Bi-weekly pay means you receive 26 paychecks per year (every two weeks). Semi-monthly means 24 paychecks per year (twice a month, typically the 1st and 15th). Your annual salary is the same either way, but bi-weekly paychecks are slightly smaller since you receive two extra per year. Two months per year you receive a third bi-weekly paycheck — a useful windfall for savings.
Which states have no income tax in 2026?
Nine states levy no income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Workers in these states see no state income tax line on their paycheck — only federal income tax and FICA apply.
Does a higher 401k contribution actually increase my take-home pay?
A 401k contribution reduces your take-home pay, but by less than the contribution amount. This is because the contribution is pre-tax: a $200 bi-weekly contribution reduces your taxable income by $200 before taxes are calculated, so you are not paying income tax on that $200. At a 22% federal + 5% state rate, the net cost to your paycheck is $200 × (1 − 0.27) = roughly $146. You contribute $200 but your paycheck only shrinks by $146.
Why does my actual paycheck differ from this calculator?
Common reasons: (1) your employer withholds based on your W-4 elections, which may differ from the actual tax rate; (2) you have post-tax deductions (Roth 401k, union dues, life insurance) not entered; (3) some states require additional payroll contributions for paid family leave or disability insurance; (4) city or county income taxes apply in your municipality. The calculator models the main federal and state income tax deductions — local taxes require a local rate adjustment in the state tax field.