Take-Home Paycheck Calculator

Use this free paycheck calculator to see how much of your gross pay you actually keep. Enter your pay, filing status and state to get an estimated net paycheck after 2026 federal income tax, Social Security, Medicare and state tax.

How this calculator works

We subtract pre-tax deductions (401(k), health insurance), apply the 2026 standard deduction and federal tax brackets, then add FICA payroll taxes (6.2% Social Security up to $184,500 and 1.45% Medicare) and an estimated state income tax rate. Child tax credit is estimated at $2,200 per child.

Frequently asked questions

How much of my paycheck goes to taxes?

Most US workers lose roughly 15% to 30% of gross pay to federal, FICA and state taxes, depending on income, filing status and state.

Why is my real paycheck different?

Employers use your W-4, local taxes, benefits and bonuses. State tax here is an average estimate, so treat the result as a close approximation.

Which states have no income tax?

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wages.

Figures use 2026 US federal tax parameters. Results are estimates only.