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, then pick your state — no-income-tax states like Texas and Florida estimate from federal and FICA alone, while states like California and New York apply their own brackets on top. 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).

Looking for your state? Browse all 51 state paycheck calculators.

Paycheck calculator by state

State tax rules change the take-home number a lot. Full breakdowns for each state below.

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Why use Paycheck Calculator?

The Paycheck Calculator walks gross wages through federal progressive tax, FICA (Social Security capped at the annual wage base, Medicare plus additional Medicare above the threshold), and state income tax where applicable. Enter pay as an annual salary, an hourly rate multiplied by hours per period, or a flat gross per paycheck, and choose weekly, biweekly, semi-monthly, or monthly frequency. A 401(k) percentage and annual Section 125 health premium field let you see how pre-tax deductions change your withholding and net pay. States fall into two broad groups here. No-income-tax states — Texas, Florida, Nevada, Washington, Tennessee, and others — leave the estimate at federal plus FICA only, which is why their pages show the highest net figures. States with an income tax, like California and New York, apply their own brackets and standard deductions on top, and California also applies state disability insurance (SDI). 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, alongside the interactive form for your exact numbers. Every result carries a disclaimer that this is an estimate, not a substitute for your actual pay stub or a tax professional.

Key benefits

Federal 2026 brackets with standard deduction
FICA including additional Medicare over threshold
State pages with take-home examples at $50k to $150k
No-income-tax states (like TX, FL, NV, WA) for fast estimates
Disclaimer shown 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
A dedicated URL per supported state
Federal, state, and FICA line items shown separately

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 your state from the dropdown, or open its dedicated state page for take-home 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 times hours per period, or a flat gross per paycheck.
4
Add pre-tax deductions (optional)
Include a 401(k) percentage and annual Section 125 health premiums, results update instantly as you adjust any field.

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 your state revenue department's official publications.

Why do no-income-tax states show higher net pay?

States like Texas, Florida, Nevada, and Washington don't tax wage income, so only federal tax and FICA apply (plus your pre-tax deductions).

Does California SDI show up?

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

How does the 401(k) field affect my results?

The 401(k) percentage and Section 125 health amount are subtracted from gross pay before federal and state tax are calculated, which lowers taxable wages. Section 125 also reduces the wages FICA is calculated on.

Related guides

How this calculator sources its tax data

Last reviewed: August 2026

Paycheck calculator by state

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