Paycheck Calculator 2026 — Hourly & Salary Take-Home Pay (All 50 States)
Calculate your exact per-paycheck take-home pay for any pay frequency (weekly, bi-weekly, semi-monthly, monthly). Supports annual salary and hourly wage with 2026 federal brackets, FICA, and all 50 state tax rates. Interactive pie chart shows where every dollar goes.
Paycheck Calculator
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The Formula
Your employer withholds federal income tax (based on W-4), FICA (Social Security + Medicare), and state income tax from each paycheck. Pre-tax deductions (401kAn employer-sponsored retirement account that allows tax-deferred contributions, often with employer matching., health insurance) reduce both taxable income and FICA wages.
Variable Definitions
Social Security + Medicare
Social Security: 6.2% on wages up to $176,100. Medicare: 1.45% on all wages. Additional Medicare: 0.9% above $200K/$250K. Your employer matches these amounts.
Marginal & Effective Rate
Marginal rate is the tax rate on your last dollar of income. Effective rate is total federal tax divided by gross income — always lower than the marginal rate due to progressive brackets. Both are shown in your results.
Income Reducer
401(k), health insurance, HSA, and FSA contributions reduce your taxable income AND FICA wages dollar-for-dollar, giving you a double tax benefit.
How to Use This Calculator
- 1
Select Annual Salary or Hourly Wage, then enter the relevant amount and your pay frequency.
- 2
Select your filing status and state of residence, then enter annual pre-tax deductions (401k, health insurance, HSA).
- 3
Review the per-paycheck breakdown and pie chart to understand where your money goes.
Common Applications
- Calculate your exact take-home pay per paycheck after federal income tax, FICA, and state tax withholding for accurate budgeting.
- Compare how different filing statuses, states of residence, and pre-tax deductions affect your net paycheck amount.
- Estimate the impact of 401kAn employer-sponsored retirement account that allows tax-deferred contributions, often with employer matching. and HSA contributions on your take-home pay to plan your retirement savings contributions wisely.
Understanding the Concept
Your gross pay is not what hits your bank account. Every paycheck, your employer withholds federal income tax (based on your W-4), Social Security (6.2% up to the wage base), Medicare (1.45% + 0.9% for high earners), and state income tax (0–9.3% depending on your state). Pre-tax deductions for 401(k), health insurance, HSA, and FSA reduce both your federal income tax AND your FICA taxes — they are the most tax-efficient way to save. This calculator shows exactly what each paycheck looks like after all deductions and taxes, with a visual breakdown of where every dollar goes.
Frequently Asked Questions
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