Paycheck Calculator
Take-home pay for 2026 in all 50 states: federal and state income tax, Social Security, Medicare, 401(k), tips and overtime, per paycheck.
How to Use Paycheck Calculator
- 1Choose whether you're paid a salary or by the hour, and pick your state from the list of all 50 states and DC.
- 2Enter your annual salary, or your hourly rate, hours a week and any overtime hours (paid at time and a half).
- 3Pick how often you're paid and your filing status, and add children under 17 for the Child Tax Credit. Filing jointly? Add your spouse's wages so the brackets are right.
- 4Open "401(k) and pre-tax benefits" to add your 401(k) percentage (traditional or Roth) and the health, dental or HSA deductions on your pay stub. Add tips or a city or county income tax under "Tips and local tax".
- 5Read your take-home pay per paycheck, month and year, the federal, FICA, state and local taxes behind it, and copy or share the result.
Frequently Asked Questions
How much is $75,000 a year after taxes?
For a single filer in Texas or Florida, which have no state income tax, it's $61,592.50 a year, or $2,368.94 every two weeks: $7,670 of federal income tax, $4,650 of Social Security and $1,087.50 of Medicare come out. In California it's $57,829.65 ($2,224.22 every two weeks) after $2,787.85 of state income tax and $975 of SDI; in New York, $58,139.50; in Pennsylvania, $59,290.
Which states have no state income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming don't tax wages. Washington does withhold 0.58% for its WA Cares long-term care program ($435 on $75,000) and taxes large capital gains. Local taxes, sales tax and property tax still vary.
How does a 401(k) contribution change my paycheck?
A traditional 401(k) comes out before income tax, so your take-home falls by less than you save. On $75,000 in California, putting in 6% ($4,500 a year) lowers federal tax by $990 and state tax by $360, so take-home pay drops only $3,150. Social Security and Medicare are still charged on it. A Roth 401(k) gives no tax saving now, but withdrawals in retirement are tax-free.
How does the "no tax on overtime" deduction work?
From 2025 to 2028, the extra half in time-and-a-half overtime required by federal law can be deducted from federal taxable income: up to $12,500 a year ($25,000 filing jointly), shrinking above $150,000 of income ($300,000 joint). At $30 an hour with 5 hours of overtime a week, $3,900 of premium is deducted and federal tax falls from $7,472 to $6,614. Social Security, Medicare and state tax still apply.
Are tips still taxed?
Tips are still wages for Social Security and Medicare, but from 2025 to 2028 up to $25,000 of qualified tips can be deducted from federal taxable income, phasing out above $150,000 ($300,000 joint). A single server earning $40,000 plus $20,000 in tips pays $2,620 of federal income tax instead of $5,020. Your employer may still withhold as before, so the saving can come as a refund.
How is the Child Tax Credit counted?
It's $2,200 for each child under 17 in 2026, taken off your federal tax, and falls by $50 for every $1,000 of income over $200,000 ($400,000 joint). Up to $1,700 per child is refundable. A married couple earning $60,000 with two children owes $2,840 before the credit: it wipes that out and about $1,560 more comes back when they file.
Why is my real paycheck different?
Your employer withholds using your W-4 and IRS tables, which can come out a little higher or lower than the tax you owe over the year. Bonuses are often withheld at a flat 22% federal rate, and benefits, local taxes or state paid-leave deductions on your stub may not be in this estimate. The difference is settled when you file your return.
About Paycheck Calculator
This paycheck calculator works out your take-home pay for 2026 from your salary or hourly wage, in any US state. It applies the 2026 federal brackets and standard deduction from IRS Rev. Proc. 2025-32, Social Security (6.2% up to $184,500) and Medicare (1.45%, plus 0.9% on high earnings), and each state's 2026 income tax brackets, deductions and exemptions, plus California SDI and Washington's WA Cares.
It handles weekly, every-two-weeks, twice-monthly and monthly pay; single, married filing jointly and head of household; traditional and Roth 401(k) contributions up to the 2026 limits; pre-tax health and HSA deductions; the Child Tax Credit; and the 2025–2028 deductions for tips and overtime pay. You see each deduction per paycheck, month and year, your total and marginal tax rates, and how much more you'd keep in a state without income tax.
It's an estimate: your employer's withholding follows your W-4, and state credits, some local taxes and state paid-leave contributions aren't included. Sources and the date they were checked are on the page.