Take Home Pay Calculator
One paycheck, broken down line by line — gross pay, taxes, deductions and the net that lands in the bank account, for every state.
Enter a salary or an hourly wage, pick a pay frequency and a state, and see one paycheck broken down line by line — gross pay, taxes and each deduction, down to the net amount that lands in the bank account. Every figure is an annualized estimate for the 2026 tax year, calculated in the browser; nothing entered here leaves the device.
This link contains the numbers entered. Nothing is uploaded anywhere — all math happens in the browser.
Not tax advice: This calculator provides estimates for educational purposes only. It is not tax, legal, or financial advice. Your actual paycheck is determined by your employer's payroll system and your W-4. Consider speaking with a qualified tax professional about your situation.
Assumptions disclosed: Estimates use an annualized model: your annual tax is calculated from 2026 federal and state rules and divided evenly across your paychecks. Actual per-paycheck withholding uses IRS Publication 15-T tables and may differ. Bonuses, overtime, credits, deductions beyond the fields shown, and local taxes (except an amount you enter) are not modeled. Amounts are rounded to the nearest cent.
Data sources / updated: Federal parameters: IRS Revenue Procedure 2025-32 (2026 tax year). State parameters: official state department of revenue sources, verified 2026-10-12; sources per state are listed in the methodology. Page last updated: 2026-10-20.
How your take-home pay is calculated
Every figure on this page starts from annual pay. The calculator adds up a full year of gross pay, subtracts the pre-tax deductions entered (traditional 401(k), HSA contributions and health insurance premiums), and applies the 2026 federal brackets after the standard deduction — $16,100 for single filers and $32,200 for married couples filing jointly in the federal model used here. Social Security is calculated at 6.2% of FICA wages up to the 2026 wage base of $184,500, and Medicare at 1.45%, with the additional 0.9% Medicare tax on FICA wages above $200,000 (single) or $250,000 (married). Traditional 401(k) contributions do not reduce FICA wages; HSA contributions and health premiums paid through payroll do. The annual tax is then divided evenly across the paychecks in the chosen frequency. That is an annualized estimate: an employer payroll system withholds per paycheck using IRS Publication 15-T tables, the employee W-4 and year-to-date wages, so a real paycheck differs somewhat from the figures here, and the annual totals are the reliable comparison.
One further limit: the effect of HSA contributions and health premiums on state tax varies by state and is not modeled in this version; on the state side, only the 401(k) contribution is applied. All amounts are before tax credits and are rounded to the nearest cent.
The federal layer is identical on every page of this site, which is what makes the state pages comparable. The state layer changes: 47 states and the District of Columbia have a fully modeled state calculation on this site, from flat rates and graduated brackets to the formula-based systems a few states use. A small number of states whose 2026 rules are still being verified are selectable in the calculator with a pending-verification notice instead of invented numbers, and they have no state pages until their rules clear the same verification standard as the rest.
The full method, including what the model leaves out, is on the methodology page.
Worked example: take-home pay on $75,000 in California
The worked example uses California, because its graduated brackets and standard deduction exercise the full model. The salary is $75,000 with a $5,000 traditional 401(k) contribution, single filing status, paid every two weeks. The same inputs on a no-income-tax state page would remove the state line entirely; the state pages linked below show how the picture changes jurisdiction by jurisdiction.
| Line | Per paycheck | Annual |
|---|---|---|
| Gross pay | $2,884.62 | $75,000.00 |
| 401(k) contribution | $192.31 | $5,000.00 |
| Federal income tax | $252.69 | $6,570.00 |
| Social Security | $178.85 | $4,650.00 |
| Medicare | $41.83 | $1,087.50 |
| State income tax | $93.20 | $2,423.12 |
| Net pay | $2,125.75 | $55,269.38 |
Benchmark: take-home pay at four salaries
Benchmark table for California (the homepage example state): single filer, no deductions entered. Every state page carries the same table for its own jurisdiction.
| Gross salary | Annual net | Net every 2 weeks |
|---|---|---|
| $40,000 | $33,613.70 | $1,292.83 |
| $60,000 | $48,658.92 | $1,871.50 |
| $80,000 | $61,886.88 | $2,380.26 |
| $100,000 | $74,111.14 | $2,850.43 |
Take home pay calculators by state
Every state page below runs the same calculator with that jurisdiction preselected, its own worked example at a sourced benchmark salary, a four-tier benchmark table and state-specific tax notes.
Vermont, Wisconsin and New Mexico pages are in preparation — the calculator above covers them with a verification notice.
Frequently asked questions
How much is $75,000 after tax in California?
On a $75,000 salary in California (single filer, $5,000 traditional 401(k) contribution, paid every two weeks), the estimated take-home pay is $2,125.75 per paycheck and $55,269.38 per year. Federal income tax is $6,570.00, FICA is $5,737.50, and California state income tax is $2,423.12 for the year. Figures are annualized estimates before credits.
How much is $60,000 after tax in Texas?
On a $60,000 salary in Texas (married filing jointly, no deductions entered, paid monthly), the estimated take-home pay is $4,380.83 a month and $52,570.00 a year. Federal income tax is $2,840.00 and FICA is $4,590.00 for the year; Texas state income tax is $0.00.
How is take-home pay calculated on this site?
The calculator builds a full year first: gross pay minus pre-tax deductions, federal income tax from the 2026 brackets after the standard deduction, Social Security and Medicare on FICA wages, and state income tax from the verified model for the selected state. The annual result is then divided evenly across the pay frequency chosen. The methodology page sets out each step, the assumptions and the limits of the model.
Why does an actual paycheck differ from the estimate here?
An employer withholds pay period by pay period using IRS Publication 15-T tables, the W-4 on file and year-to-date wages, while this site spreads the annual tax evenly across paychecks. Social Security is a clear example: withholding stops once wages pass the annual wage base, while the annualized view spreads the capped tax across the year. The annual totals are the reliable comparison; individual checks vary around them.
What is not included in the estimate?
The estimate covers wages and salaries with the deductions shown in the calculator. It does not model tax credits, bonuses or overtime rates, itemized deductions, or most local taxes, and the state effect of HSA contributions and health premiums is not modeled in this version. Local income tax can be included as an annual amount entered directly, and it then appears as its own line on the stub.
Which states does the calculator cover?
The state selector covers all 50 states and the District of Columbia. State income tax is fully modeled for 47 states and DC, each with its own page, worked example and tax notes. The remaining states are selectable and show federal tax and FICA with a pending-verification notice, because their 2026 state rules have not cleared the verification standard this site applies before publishing state figures.