Online Paycheck Calculator
Salary or hourly, any state. See what's left after federal income tax, state income tax, Social Security and Medicare, using 2026 rates.
401(k), HSA, health insurance premiums
Estimated take-home pay
$2,092.60
per bi-weekly paycheck · $54,408 / year
- Gross pay
- $2,500.00
- Federal income tax
- − $216.15
- Social Security · 6.2%
- − $155.00
- Medicare · 1.45%
- − $36.25
- Florida state income tax
- $0.00
- Net pay
- $2,092.60
Effective tax rate
16.3%
Marginal bracket
12.0%
Uses the 2026 federal brackets, standard deduction and FICA rates. Your pay stub may differ by a few dollars because payroll rounds through the IRS withholding tables.
Every state covered
Federal tax plus income tax for all 50 states and DC, each with its own rates, deductions and tax year noted.
Matches your W-4
Filing status, dependents, other income and extra withholding. The 2026 standard deduction is $16,100 single / $32,200 joint.
FICA built in
6.2% Social Security up to $184,500 and 1.45% Medicare with no cap, plus the 0.9% surtax above $200,000.
How it works
What to enter
Each state page explains that state's rates. Florida, the state we started with, has the most detailed write-up: the Florida paycheck tax guide.
- 1
Choose Salary or Hourly and enter your pay.
- 2
Pick your state. This sets the state income tax rates and deductions.
- 3
Pick your pay schedule. Every two weeks is the most common, so it's the default.
- 4
Match the filing status on your W-4, then add anything taken out before tax: 401(k), HSA, health premiums.
All 50 states + DC
Paycheck calculators by state
- Alabamatiered
- Alaska0%
- Arizona2.5%
- Arkansastiered
- Californiatiered
- Colorado4.4%
- Connecticuttiered
- Delawaretiered
- District of Columbiatiered
- Florida0%
- Georgia5.19%
- Hawaiitiered
- Idaho5.3%
- Illinois4.95%
- Indiana2.95%
- Iowa3.8%
- Kansastiered
- Kentucky3.5%
- Louisiana3%
- Mainetiered
- Marylandtiered
- Massachusetts5%
- Michigan4.25%
- Minnesotatiered
- Mississippitiered
- Missouritiered
- Montanatiered
- Nebraskatiered
- Nevada0%
- New Hampshire0%
- New Jerseytiered
- New Mexicotiered
- New Yorktiered
- North Carolina3.99%
- North Dakotatiered
- Ohiotiered
- Oklahomatiered
- Oregontiered
- Pennsylvania3.07%
- Rhode Islandtiered
- South Carolinatiered
- South Dakota0%
- Tennessee0%
- Texas0%
- Utah4.5%
- Vermonttiered
- Virginiatiered
- Washington0%
- West Virginiatiered
- Wisconsintiered
- Wyoming0%
FAQ
Frequently asked questions
How does this paycheck calculator work?+
Gross pay minus pre-tax deductions gives your taxable wages. We annualize that, subtract the 2026 federal standard deduction for your W-4 filing status, run it through the IRS brackets, and divide back down to one paycheck. State income tax is calculated the same way using your state's own rates and deductions. Social Security is 6.2% of gross up to $184,500; Medicare is 1.45%, plus 0.9% once you pass $200,000 for the year.
Which states have no income tax?+
Nine: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. Washington has no income tax on wages but withholds for WA Cares and paid leave. Everywhere else, state income tax comes out of each check, anywhere from 2.5% flat in Arizona to a top rate of 13.3% in California.
Why doesn't my pay stub match exactly?+
Payroll software uses the IRS Publication 15-T tables and your state's withholding tables, which round differently than a straight annual calculation, so expect a gap of a few dollars. A bigger gap usually means something on your W-4 (a second job, dependents, extra withholding), a Section 125 health plan that also lowers your FICA wages, or a city tax this calculator doesn't model (New York City, Philadelphia, and most of Ohio and Pennsylvania have one).
What's the difference between gross pay and net pay?+
Gross pay is what your employer agreed to pay you for the period. Net pay, or take-home pay, is what hits your bank account after federal and state income tax, Social Security, Medicare, and any deductions like health insurance or a 401(k). For most people net pay is 70% to 80% of gross.
How do the new tips and overtime deductions affect my paycheck?+
Starting with tax year 2025, workers can deduct up to $25,000 of qualified tips and up to $12,500 of qualified overtime pay ($25,000 for joint filers) on their federal return. To see it in your paycheck rather than your refund, put your expected annual amount on line 4(b) of a new W-4 and hand it to your employer. Enter the same figure in the Deductions (W-4 step 4b) field here to see the effect on withholding.
How can I increase my take-home pay?+
Three levers. Put money into a traditional 401(k) or HSA, which lowers taxable wages before tax is figured. Check your W-4: if you got a large refund last year, you're having too much withheld and can claim dependents or reduce extra withholding. And if you're in a state with a high income tax, remember that the same salary nets meaningfully more in Texas or Florida than in California or New York; use the state selector to compare.