Free 2026 US Paycheck Calculator

See your exact take-home pay after all taxes · All 50 states + local taxes · W-2 & 1099 · Bonus & Raise tools · No sign-up needed

Try a quick example:

Your Pay Details

Worker Type ?

Pay Type ?

Annual Gross Salary ?

State ?

Pay Frequency ?

City / County ?

Filing Status ?

Pre-Tax Deductions — optional

💡 Pre-tax = taken out before taxes are calculated. Every dollar here lowers your taxable income — like a legal discount from the IRS.

401(k) / 403(b) ?

HSA ($/year) ?

Health Insurance ?

Other Pre-Tax ?

🧮

Enter your details and hit Calculate

Full breakdown appears here — free, no sign-up

Take-Home Per Paycheck

$0.00

—

Gross Pay

—

per paycheck

FICA Taxes

—

SS + Medicare

Federal Tax

—

— effective rate

State Tax

—

—Estimated quarterly tax payment · Due Apr 15, Jun 15, Sep 15, Jan 15

WHERE YOUR MONEY GOES

Bonus Tax Calculator

💡 Bonuses are taxed as "supplemental wages." Most employers withhold at a flat 22% federal rate (37% if your bonus tops $1 million). State tax is also withheld on top.

Annual Salary ?

Bonus Amount ?

State

Filing Status

Withholding Method ?

🎁

See how much of your bonus you keep

Most people are surprised by how much is withheld

Raise Simulator

📌 A $10,000 raise is never $10,000 more in your pocket. Taxes take a share. See the real after-tax difference before negotiating.

Current Annual Salary

New Salary (after raise) ?

OR — Raise %

State

Pay Frequency

Filing Status

📈

Find out your real raise after taxes

See exactly how much more lands in your bank account

⚠️ Estimates for planning only — not tax filing. Consult a tax professional or your paystub for exact figures. Local taxes shown for major jurisdictions only; your area may vary.

How to Use This Paycheck Calculator

Enter your annual salary or hourly rate, select your state, pick your pay frequency, and hit Calculate. The tool instantly shows your take-home pay per paycheck after federal income tax, state tax, Social Security (6.2% up to $184,500), and Medicare (1.45%). Add optional deductions like 401(k), HSA, or health insurance for a more accurate result.

2026 Federal Tax Brackets & Standard Deductions

Updated with IRS Rev. Proc. 2025-32. Standard deduction: $16,100 single / $32,200 married filing jointly / $24,150 head of household. Social Security wage base: $184,500. 401(k) limit: $24,500.

W-2 Employee vs 1099 Self-Employed

W-2 employees have taxes automatically withheld each paycheck. Freelancers, contractors, Uber/DoorDash drivers, and Etsy sellers on 1099 owe an extra 15.3% self-employment tax plus quarterly estimated tax payments. This calculator handles both modes with full breakdowns.

Paycheck Calculator by State

State income tax rates vary from 0% (Texas, Florida, Nevada) to over 13% (California). Select your state below for a detailed breakdown:

California Texas New York Florida Illinois Pennsylvania Ohio Georgia North Carolina Washington