Take-Home Pay Calculator

See how much of each paycheck you keep after federal withholding, Social Security, Medicare, state and local tax and your deductions — plus whether you are on track for a refund.

Calculators
15
Paycheck, overtime, bonus and more
Coverage
50 states + DC
Labeled by data status
Tax Years
2025–2026
Labeled projections to 2030
Privacy Status
On your device
Figures are not sent anywhere

Your estimate

Enter your pay details, then calculate.

Tax year

Calculation method

Federal 2026: VerifiedTX: Current law

Simple inputs only. Advanced options are ignored.

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How to use it

Enter your pay and how often you are paid.
Choose your state and filing status.
Add deductions and select “Calculate My Paycheck”.

What the calculator includes

Federal income tax for 2025 and 2026 from IRS Rev. Proc. 2024-40 and 2025-32 as amended by the One, Big, Beautiful Bill Act (2026 standard deduction $16,100 single, $32,200 joint, $24,150 head of household), the child tax credit, credit for other dependents, senior, tips and overtime deductions, and the QBI deduction.
Withholding per paycheck with the Publication 15-T percentage method for the 2020+ Form W-4, kept separate from the tax you owe so you can see your expected refund or balance due.
Social Security at 6.2% up to the 2026 wage base of $184,500 and Medicare at 1.45%, plus the 0.9% Additional Medicare Tax.
All 50 states and DC, each labeled by year as Verified, Current law, Provisional, Projection or Not modeled — see the table below.
Tax years 2025–2030. 2027–2030 are projections (Projection: the IRS had not published this year’s inflation adjustments when the calculator was last verified (October 24, 2026). Dollar thresholds are 2026 values indexed at an assumed 2.5% a year (rounded down to $50); rates follow current law.).

2026 federal income tax brackets

Each rate applies only to the part of taxable income within its band. Source: IRS Rev. Proc. 2025-32.

Single
Rate	Taxable income
10%	$0 – $12,400
12%	$12,400 – $50,400
22%	$50,400 – $105,700
24%	$105,700 – $201,775
32%	$201,775 – $256,225
35%	$256,225 – $640,600
37%	Over $640,600

Married filing jointly
Rate	Taxable income
10%	$0 – $24,800
12%	$24,800 – $100,800
22%	$100,800 – $211,400
24%	$211,400 – $403,550
32%	$403,550 – $512,450
35%	$512,450 – $768,700
37%	Over $768,700

Withholding vs. tax owed

Your employer withholds from each check based on your W-4. That is an advance payment, not your final tax. Your liability for the year depends on all your income, deductions and credits. When withholding is more than liability you get a refund; when it is less you owe the difference.

Biweekly vs. semimonthly pay

Biweekly pay arrives every other week — 26 paychecks a year. Semimonthly pay arrives twice a month — 24 paychecks. On the same salary each semimonthly check is about 8% larger, but the annual total is identical.

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Limits and known limitations

Paychecks use the Publication 15-T percentage method and assume the same pay every period. State and local amounts are annual estimates spread evenly.
Unmodeled states are excluded unless you enter a manual rate.

Frequently asked questions

Why might my real paycheck differ?

Employers may round differently, use the wage-bracket method, or apply benefits and local taxes not entered here. Timing of bonuses and wage-base caps also changes individual checks.