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US Paycheck Calculator (Take-Home Pay)

Use the US Paycheck Calculator to estimate take home pay from your pay rate, filing details and deductions. Start with one realistic pay period, then change an input to compare another scenario.

Estimated take-home pay
$0
per paycheck
Gross pay$0
Federal income tax$0
Social Security (6.2%)$0
Medicare (1.45%)$0
State income tax$0
Take-home pay$0
Effective tax rate: 0% Total tax: $0 Marginal rate: 0%

Estimates use 2026 IRS federal brackets and the standard deduction, plus Social Security (6.2% up to $184,500), Medicare (1.45%, +0.9% above the filing-status threshold). State tax uses the rate you enter. This is an estimate for guidance, not tax advice.

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How it works

Take-home = gross - federal income tax - Social Security - Medicare - state tax - pre-tax deductions. Federal tax uses 2026 IRS marginal brackets on income after the standard deduction. Social Security is 6.2% up to $184,500; Medicare is 1.45% on all wages plus 0.9% above the filing-status threshold.

How to use the US Paycheck Calculator

Enter your gross pay, pay frequency, filing status and deductions. Review federal tax, Social Security, Medicare and the state tax assumption separately so you can see what is driving the estimate.

This tool uses 2026 federal figures and your entered state tax rate. It is a planning estimate, not a payroll or tax determination. Check your W 4 and state rules for the final amount.

Frequently Asked Questions

Which tax year does this use?
The 2026 federal tax brackets and standard deduction from IRS Revenue Procedure 2025-32, with the 2026 Social Security wage base of $184,500.
How accurate is the state tax part?
Federal, Social Security and Medicare are calculated precisely. For state tax you enter your state's rate, since every state differs. States with no income tax on wages give a zero result. Full per-state brackets are planned as an update.
Does it handle 401(k) and health deductions?
Yes. 401(k)/retirement contributions lower your federal and state taxable income but still pay Social Security and Medicare. Pre-tax health/HSA (Section 125) lowers income tax and is also exempt from Social Security and Medicare.
Is this tax advice?
No. It is an estimate for planning. Your actual withholding depends on your W-4, local taxes, and other factors. Check with a tax professional for your exact situation.

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