US Paycheck Calculator 2026

What actually lands in your bank account? 2026 federal tax, state tax, Social Security and Medicare — computed for your state, filing status and pay frequency. Plus a salary-to-hourly converter. Free, private, no signup.

Your pay

I want to enter

Annual salary ($)

Pay frequency

Filing status

State

Pre-tax deductions ($/year) — 401(k), HSA… Reduces taxable income for federal, FICA and (usually) state.

Your paycheck

take-home per paycheck

Gross per paycheck-

Federal income tax-

Social Security (6.2%)-

Medicare (1.45%)-

State income tax -

Annual take-home-

Effective tax rate-

Marginal federal bracket-

Salary ↔ hourly converter

Annual salary-

Hourly (40 hrs/wk)-

Weekly-

Monthly (avg)-

Straight conversion at 40 hrs/week — excludes overtime.

Where your paycheck goes

■ Take-home ■ Federal ■ FICA ■ State

How your paycheck is taxed in 2026

Four layers come out of gross pay before it reaches you:

Federal income tax — progressive brackets (10% to 37%). Only income above each threshold is taxed at that rate; the standard deduction ($16,100 single / $32,200 married in 2026) comes off first.
Social Security — flat 6.2% on the first $184,500 of wages (2026 wage base). Earn more than that and the SS bite stops growing.
Medicare — 1.45% on all wages, plus 0.9% on wages above $200,000 (single) / $250,000 (joint).
State income tax — nine states charge nothing on wages; others are flat or progressive. State figures here are close estimates — states have their own deductions and credits this simplified model does not capture.

Why "what's my hourly rate" matters

A $75,000 salary at 40 hours/week is $36.06/hour — but at 50 hours/week it's $28.85. Converting offers to hourly (and back) is the fastest way to compare jobs with different hours, which is why the converter sits right next to the tax math.

What this leaves out

Local/city taxes (e.g. NYC, Ohio municipalities), state disability insurance (CA, NJ, NY, RI, HI), 401(k) matching, health premiums beyond what you enter, and the 2025 tax law's new tips/overtime deductions (those are claimed at filing time, not in withholding).

FAQs

Which states have no income tax?

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming charge no tax on wage income. (Washington taxes capital gains over a threshold; New Hampshire used to tax interest and dividends.)

Why is my take-home different from my employer's figure?

Employers use IRS withholding tables plus your W-4 settings, pre-tax benefits, and possibly local taxes. This calculator uses 2026 annualised tax law — close, but your W-4 elections move the real number.

Does a raise push all my income into a higher bracket?

No — only the dollars above each threshold are taxed at the higher rate. Crossing into the 22% bracket never makes you poorer; it just taxes the top slice more.

How is the 2026 standard deduction applied?

$16,100 for single filers, $32,200 for married filing jointly, $24,150 for heads of household (IRS Rev. Proc. 2025-32). It comes off before brackets apply.

Is my data sent anywhere?

No. Everything is computed in your browser; nothing leaves your device.

Disclaimer: Estimates for illustration, computed in your browser — no data leaves your device. 2026 federal figures per IRS Rev. Proc. 2025-32; state tax is modelled from 2026 published rates/brackets and is an estimate — states have individual deductions, credits and local taxes not modelled here. Not tax advice. Verify with a tax professional.