US Paycheck Calculator 2026

See your federal take-home pay for tax year 2026: the new IRS brackets and $16,100/$32,200 standard deduction, Social Security up to the $184,500 wage base, Medicare including the 0.9% additional tax, and traditional 401(k) savings.

All 50 states + DC. Local/city taxes (NYC, MD counties, OH municipalities) are not included.
2026 employee limit: $24,500. Reduces income tax, not Social Security/Medicare.
2026 extras: tips, overtime, car loan, age 65+
New 2026 deduction, up to $25,000 per return. Still counts for Social Security and Medicare.
Only the premium half of time-and-a-half counts. Cap $12,500 ($25,000 joint).
US-assembled new vehicle, loan from 2025 on. Up to $10,000.
Your take-home pay 2026
$61,593
$5,133 per month · $1,184 per week
ItemAnnualMonthly
Gross pay$75,000$6,250
Federal income tax$7,670$639
Social Security (6.2%)$4,650$388
Medicare$1,088$91
Total deductions$13,408$1,117
Take-home pay$61,593$5,133
Effective rate: 17.9%Marginal rate: 29.7%
  • Tax year 2026 annual view (IRS Rev. Proc. 2025-32): brackets + standard deduction, not per-paycheck W-4 withholding.
  • Federal taxes only. Add your state or local income tax on top where applicable.

What this calculator shows, and what it doesn't

This is the annual tax-return view: 2026 brackets plus the standard deduction. It is not per-paycheck W-4 withholding, which uses separate IRS tables and self-corrects at filing time. Popular calculator sites silently mix the two models, which is why their answers for the same salary differ by thousands. We label ours. State coverage: all 50 states and DC are modelled: the 9 no-tax states exactly, 14 flat-tax states and 28 graduated-tax states as estimates (state deductions, credits and local taxes are not all modelled). Sources on the US methodology page.

Popular salaries

$50,000 after tax$60,000 after tax$65,000 after tax$70,000 after tax$75,000 after tax$80,000 after tax$90,000 after tax$100,000 after tax$120,000 after tax$150,000 after tax$200,000 after tax

State paycheck calculators

CaliforniaTexasNew YorkFloridaPennsylvaniaIllinoisOhioGeorgiaNorth CarolinaWashingtonNew JerseyVirginia

Every state and DC has its own calculator page: all 51 are linked from the state dropdown above and the tools directory.

More US tools and guides

Frequently asked questions

How is federal income tax calculated in the US in 2026?

The IRS uses seven brackets: 10, 12, 22, 24, 32, 35 and 37 percent. Each rate applies only to income in that bracket, not to all income. The calculator uses the 2026 brackets and standard deduction.

Does state income tax apply to all states?

No. Nine states have no broad-based income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. The remaining states and DC each have their own rates, all modelled in this calculator.

What are Social Security and Medicare taxes?

Social Security is 6.2 percent of wages up to $176,100 (the 2026 wage base). Medicare is 1.45 percent on all wages, plus an additional 0.9 percent on wages above $200,000 for single filers.

How does a 401(k) contribution change my take-home pay?

Traditional 401(k) contributions reduce your taxable income dollar for dollar. If you contribute $10,000 and your marginal federal rate is 22 percent, your federal tax bill falls by $2,200. State income tax savings add to that in most states. The net cost of saving $10,000 is often only $6,000 to $7,500. Enable the 401(k) field in the calculator to see the exact effect for your salary and state.

Is there no tax on tips and overtime in 2026?

Yes. The Tax Cuts and Jobs Act extension (2026) includes a deduction for qualified tip income and eligible overtime pay. The deduction is not a full exemption and phases out at higher income levels. See our guide on the no-tax-on-tips and overtime deduction for the precise rules.