Paycheck Calculator
Estimate your take-home pay after federal income tax, Social Security, Medicare and a state tax rate you choose. Uses the 2026 federal brackets.
How the paycheck calculator works
Enter what you earn before taxes for each pay period, how often you are paid, your filing status and any pre-tax deductions. The calculator turns your pay into a yearly figure, subtracts pre-tax deductions and the standard deduction, applies the 2026 federal tax brackets, then adds Social Security, Medicare and the state tax rate you enter. The result is split back into one paycheck.
The standard deduction used is $16,100 for single filers and $32,200 for married filing jointly, and the 2026 brackets come from the IRS inflation adjustments. Social Security applies to the first $184,500 of wages. See the IRS page on 2026 tax adjustments for the full tables.
This is an estimate. Your employer withholds using your Form W-4, so your actual paycheck can differ. Local taxes, health insurance, other deductions and extra income are not included.
The formulas
Example: A single filer paid $2,500 every two weeks puts 5% into a 401(k). Yearly gross is $65,000, taxable income is $45,650 and federal tax is $5,230. After Social Security, Medicare and 4% state tax, take-home is about $1,887.60 per paycheck.
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Frequently asked questions
How do I calculate my paycheck after taxes?
Subtract pre-tax deductions from gross pay, then subtract federal income tax, Social Security, Medicare and any state tax. This calculator does each step for you.
How much is taken out of a paycheck for taxes?
It depends on income, filing status and state. Social Security and Medicare take 7.65% of most wages, and federal income tax is added on top.
Is this paycheck calculator accurate?
It is an estimate based on the 2026 federal brackets and the state rate you enter. Your employer uses your W-4, so your real check may differ.
Does a 401(k) contribution lower my taxes?
Traditional 401(k) contributions reduce your federal and most state taxable income, but they are still subject to Social Security and Medicare tax.
Why is my take-home pay lower than expected?
Health insurance, local taxes, retirement contributions and benefits can all reduce it. Add them to the pre-tax deductions box if they are taken before tax.
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