💰 USA Paycheck Calculator

US Paycheck Calculator 2026

See exactly what lands in your bank account. Pick your state, enter your salary, and get a full per-paycheck breakdown with 2026 federal taxes, state taxes and FICA — free, private, instant.

Calculate my paycheck

Free paycheck calculator

Results update live as you type. Pre-tax deductions lower taxable income; post-tax deductions come out of take-home pay.

Net pay per biweekly paycheck
$0.00
$0 per year · effective tax rate 0%
AnnualPer biweekly
Gross pay$0$0.00
Federal income tax$0$0.00
State income tax$0$0.00
Social Security (6.2%)$0$0.00
Medicare (1.45%)$0$0.00
Additional Medicare (0.9%)$0$0.00
Pre-tax deductions$0$0.00
Post-tax deductions$0$0.00
Net (take-home) pay$0$0.00
How we got these numbers

Federal taxable income: $0 (gross minus pre-tax deductions minus federal standard deduction).
State taxable income: $0.
Social Security 6.2% applies up to the $184,500 wage base; Medicare 1.45% on all wages, plus 0.9% over $200,000 ($250,000 joint).

Paycheck calculators by state

Every state (plus DC) has its own 2026 calculator with local brackets preloaded.

How it works

1

Enter your pay

Gross salary, how often you’re paid, filing status and any deductions.

2

We apply 2026 tax tables

Federal brackets, your state’s brackets, standard deductions and FICA — all from 2026 tables.

3

See take-home pay

Per-paycheck and annual breakdown, plus your effective tax rate. Everything runs in your browser.

Common questions

How does a paycheck calculator work?
Enter your gross salary, pay frequency and filing status. The calculator subtracts the 2026 federal standard deduction, applies federal tax brackets, your state’s 2026 brackets, Social Security (6.2% up to $184,500), Medicare (1.45%) and any deductions you enter — then divides everything by your number of paychecks.
What’s the difference between salary and take-home pay?
Your salary is the gross number; take-home (net) pay is what lands in your bank account after federal and state income taxes, FICA payroll taxes and deductions like health insurance or 401(k).
What is FICA tax in 2026?
FICA is Social Security (6.2% on wages up to $184,500) plus Medicare (1.45% on all wages, plus an extra 0.9% on wages over $200,000 single / $250,000 joint). Your employer matches these amounts.
Which states have no income tax?
Nine states tax no wage income in 2026: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming.
Why did my paycheck get smaller this month?
Common reasons: a raise pushed you into a higher marginal bracket, you hit or passed the Social Security wage base (after which 6.2% stops), benefit premiums changed, or you had bonus/overtime taxed at supplemental rates.
Is this paycheck calculator free?
Yes — every calculator on this site is free, runs entirely in your browser, and never sends your salary anywhere. See our methodology for how the math works.

How we calculate

Federal tax uses 2026 IRS brackets and standard deductions; state tax uses each state’s 2026 tables; FICA uses the $184,500 Social Security wage base. Read the full methodology — including what we leave out.