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How to use the Paycheck Calculator
- 1Enter your annual salary (or hourly wage and hours per week).
- 2Choose your filing status and how often you are paid.
- 3Add your state income tax rate and any pre-tax 401(k) contributions.
- 4See your net pay per paycheck and a full breakdown of taxes.
What is taken out of your paycheck
Federal income tax is calculated on your income after pre-tax deductions and the standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household for 2026), using the progressive 2026 brackets from 10% to 37%.
FICA taxes are 6.2% Social Security on wages up to $184,500 (2026 wage base) and 1.45% Medicare on all wages, plus an extra 0.9% Medicare on wages above $200,000 ($250,000 for married couples filing jointly). Most states also have an income tax; enter your state's effective rate for a realistic estimate.
How to increase your take-home pay
Pre-tax contributions to a 401(k), HSA or FSA lower your taxable income. Review your W-4 so you are not over-withholding: a large tax refund means you lent the government money interest-free during the year.
Take-home pay at common salaries (2026)
These examples assume a single filer with the standard deduction, paid every two weeks, no state income tax (as in Texas or Florida) and no pre-tax deductions. Use the calculator above to add your state tax and 401(k).
| Salary | Federal tax | Social Security + Medicare | Take-home / year | Per paycheck |
|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $34,320 | $1,320.00 |
| $60,000 | $5,020 | $4,590 | $50,390 | $1,938.08 |
| $80,000 | $8,770 | $6,120 | $65,110 | $2,504.23 |
| $100,000 | $13,170 | $7,650 | $79,180 | $3,045.38 |
| $150,000 | $24,734 | $11,475 | $113,791 | $4,376.58 |
Marginal vs effective tax rate
Your marginal rate is the rate on your last dollar of income (for example 22%), while your effective rate is your total tax divided by your income. Because the US system is progressive, only the income above each bracket threshold is taxed at the higher rate. A raise never reduces your take-home pay.
At $80,000 the marginal federal rate is 22%, but the effective federal rate is only about 11%, and about 18.6% including Social Security and Medicare.
Paycheck calculator by state
Pick your state for its 2026 tax brackets, payroll deductions and take-home pay tables.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Take-home pay on $75,000 in every state
Single filer, 2026, standard deduction, no 401(k). The state column includes state income tax, typical local income tax where it applies to everyone (Maryland, Indiana, Pennsylvania) and employee-paid state payroll programs.
| # | State | State & local | Take-home / year |
|---|---|---|---|
| 1 | Alaska | $0 | $61,593 |
| 2 | Florida | $0 | $61,593 |
| 3 | Nevada | $0 | $61,593 |
| 4 | New Hampshire | $0 | $61,593 |
| 5 | South Dakota | $0 | $61,593 |
| 6 | Tennessee | $0 | $61,593 |
| 7 | Texas | $0 | $61,593 |
| 8 | Wyoming | $0 | $61,593 |
| 9 | North Dakota | $203 | $61,389 |
| 10 | Washington | $1,040 | $60,552 |
| 11 | Ohio | $1,280 | $60,312 |
| 12 | Arizona | $1,666 | $59,926 |
| 13 | Louisiana | $1,864 | $59,729 |
| 14 | Iowa | $2,198 | $59,394 |
| 15 | Mississippi | $2,268 | $59,325 |
| 16 | New Mexico | $2,359 | $59,233 |
| 17 | North Carolina | $2,484 | $59,109 |
| 18 | Kentucky | $2,507 | $59,085 |
| 19 | Nebraska | $2,533 | $59,060 |
| 20 | Vermont | $2,572 | $59,020 |
| 21 | Missouri | $2,588 | $59,005 |
| 22 | West Virginia | $2,680 | $58,912 |
| 23 | Arkansas | $2,712 | $58,880 |
| 24 | Oklahoma | $2,830 | $58,763 |
| 25 | Idaho | $2,867 | $58,726 |
| 26 | Montana | $2,877 | $58,716 |
| 27 | Colorado | $2,922 | $58,671 |
| 28 | Michigan | $2,937 | $58,656 |
| 29 | Wisconsin | $2,946 | $58,646 |
| 30 | Rhode Island | $3,021 | $58,572 |
| 31 | Alabama | $3,102 | $58,491 |
| 32 | New Jersey | $3,103 | $58,489 |
| 33 | Pennsylvania | $3,105 | $58,488 |
| 34 | Utah | $3,147 | $58,445 |
| 35 | Georgia | $3,270 | $58,323 |
| 36 | South Carolina | $3,343 | $58,250 |
| 37 | Kansas | $3,385 | $58,207 |
| 38 | Washington, DC | $3,429 | $58,164 |
| 39 | Virginia | $3,498 | $58,094 |
| 40 | Illinois | $3,568 | $58,025 |
| 41 | Indiana | $3,698 | $57,895 |
| 42 | Connecticut | $3,750 | $57,843 |
| 43 | California | $3,763 | $57,830 |
| 44 | New York | $3,808 | $57,784 |
| 45 | Massachusetts | $3,875 | $57,718 |
| 46 | Minnesota | $3,907 | $57,686 |
| 47 | Delaware | $3,909 | $57,684 |
| 48 | Hawaii | $4,170 | $57,423 |
| 49 | Maine | $4,256 | $57,337 |
| 50 | Maryland | $5,599 | $55,994 |
| 51 | Oregon | $6,258 | $55,335 |
Frequently asked questions
Is this paycheck calculator accurate?
It uses the official 2026 federal brackets, standard deductions and FICA rates, so it is a close estimate for most W-2 employees. Your actual paycheck can differ because of W-4 choices, credits, local taxes and benefits.
Why is my state tax a single rate?
State tax rules vary widely (some states have no income tax). Entering your effective state rate keeps the estimate simple and accurate enough for budgeting.
Does it include 401(k) and health insurance?
Yes. Enter your 401(k) percentage and any other pre-tax deductions such as health insurance premiums; both reduce taxable income.
How much is $100,000 a year after taxes?
For a single filer in a state with no income tax, about $79,180 a year, or $3,045 every two weeks (2026). In a state with a 5% income tax it would be roughly $74,200.
Why is my first paycheck different?
Your first paycheck may cover a partial pay period, and benefit deductions or one-time withholding can differ. Compare a full regular paycheck with the calculator.