US Paycheck Calculator
Get a precise estimate of your US take-home pay with our 2026 paycheck tool. This calculator accounts for Federal Income Tax, Social Security (OASDI), Medicare, and state-specific income taxes for all 50 US states. Simply enter your gross pay and filing status to see exactly how much cash will hit your bank account on payday.
Where Does Your Money Go?
How to Calculate Your Take-Home Pay
Your take-home pay is your gross salary minus four main categories of deductions: federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%). Pre-tax deductions like 401(k) contributions and health insurance reduce your taxable income before federal and state taxes are applied.
The Quick Formula
Net Pay = Gross Pay − Federal Tax − State Tax − Social Security − Medicare − Pre-tax Deductions
States With No Income Tax
Nine states charge no income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents of these states keep significantly more of each paycheck compared to high-tax states like California, New York, and Oregon.
What Is This Calculator?
A US paycheck calculator converts your gross salary into the actual take-home amount deposited on payday. It accounts for Federal Income Tax (using 2026 IRS brackets), Social Security (6.2%), Medicare (1.45%), and your specific state's income tax. Nine states have no income tax at all (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming). The formula is: Net Pay = Gross − Federal Tax − State Tax − FICA.
When Should You Use This Tool?
- You received a job offer and want to know exactly what hits your bank account, not the gross salary
- You are moving to a different US state and want to compare your net pay under new tax rules
- You want to see how changing your W-4 withholding allowances affects each paycheck
- You are a freelancer estimating quarterly estimated tax payments based on your expected income
- You want to verify your employer is withholding the correct amount from your paycheck