Paycheck Calculator

Estimate take-home pay from gross wages after federal income tax, Social Security, Medicare, and state withholding. Enter an annual salary, hourly wage, or per-period gross. Supports Texas and Florida (no state income tax) plus California and New York with progressive state brackets. Not tax advice—verify with your payroll provider.

State

Pay frequency

Filing status

Gross pay based on

Annual salaryHourly wagePer-period gross

Annual salary

401(k) % (pre-tax)

Section 125 health (annual)

$2,307.69

Gross (period)

$193.08

Federal tax

$176.54

FICA

$0.00

State + SDI

$1,938.08

Net pay

$50,390.00

Net (annual)

Disclaimer: Estimate for informational purposes only. Actual withholding depends on your W-4 and employer payroll system. Not tax advice. Updated for 2026 tax year (IRS Rev. Proc. 2025-32).

State pages: Texas · Florida · California · New York

Why use Paycheck Calculator?

The Paycheck Calculator walks gross wages through federal progressive tax, FICA (Social Security capped at the wage base, Medicare plus additional Medicare), and state income tax where applicable. Texas and Florida pages are popular because there is no state income tax on wages—your estimate is federal + FICA only. California and New York apply progressive brackets and standard deductions similar in spirit to federal rules. Each state page includes a table of example take-home amounts at $50,000, $75,000, $100,000, and $150,000 annual salaries for quick comparison. Use the interactive form for your exact situation.

Key benefits

Federal 2026 brackets with standard deduction
FICA including additional Medicare over threshold
State pages with take-home examples at $50k–$150k
No-income-tax states (TX, FL) for fast estimates
YMYL disclaimer on every result

Features

Annual, hourly, or per-period gross input
401(k) and Section 125 pre-tax fields
Per-period and annual net pay breakdown
Dedicated URLs for TX, FL, CA, NY
Federal + state + FICA line items

Popular use cases

Evaluating a job offer in a new state
Checking whether a raise clears your monthly budget
Comparing no-tax Texas pay vs California withholding
Rough planning before updating your W-4

How to use Paycheck Calculator

1
Select your state
Choose Texas, Florida, California, or New York—or open a dedicated state page for examples at common salaries.
2
Set pay frequency and filing status
Pick weekly, biweekly, semi-monthly, or monthly pay. Choose single or married filing jointly for bracket selection.
3
Enter gross pay
Use annual salary, hourly rate × hours per period, or a flat gross per paycheck.
4
Add pre-tax deductions (optional)
Include 401(k) percentage and annual Section 125 health premiums to reduce taxable wages.

Frequently asked questions

Is this my exact paycheck?

No. Employers use IRS Publication 15-T withholding tables, local taxes, and your W-4 elections. This tool provides a reasonable estimate for planning.

Which tax year is used?

Federal 2026 brackets and FICA limits from IRS Rev. Proc. 2025-32. State brackets are approximate—confirm with official FTB or NY DTF publications.

Why are Texas and Florida higher net?

Neither state taxes wage income, so only federal and FICA apply (plus your pre-tax deductions).

Does California SDI show up?

Yes. California disability insurance is included in the state + SDI line when applicable.

Last reviewed: July 2026

Related tools