Free Paycheck Calculator 2026
New Tax Cuts — Calculate Your Savings
Federal law now eliminates tax on overtime and tips, adds $6,000 for seniors, and creates savings accounts for children.
The Most Trusted Free Calculator
Built for American workers who want accurate, private results — without giving up their data.
All calculations happen in your browser. We never see your income or results. Zero data collection, zero tracking.
Updated with official 2026 federal tax brackets, FICA rates, and all 50 state income tax rates. Publication 15-T compliant.
No waiting. See your exact take-home broken down by federal, state, Social Security, and Medicare instantly.
Works for salaried and hourly workers. Supports weekly, bi-weekly, semi-monthly, and monthly pay schedules.
Calculate your exact take-home on year-end bonuses, signing bonuses, and overtime using IRS supplemental wage rules.
From no-tax states like Texas and Florida to high-tax states like California and New York — every state covered.
Top State Paycheck Calculators
Texas, Florida, and California account for 40% of all US payroll. Get your exact take-home pay in seconds.
Real Take-Home Pay Examples
See exactly what common salaries and hourly rates bring home after all taxes — by state.
Calculate by Your State
Select your state for a precise calculation including your exact local income tax rate.
How We Calculate Your Paycheck
Every number is based on official IRS sources. No guesswork.
2026 IRS Publication 15-T brackets. Standard deduction $15,000 (single) / $30,000 (married). Progressive rates 10%–37%.
Social Security 6.2% up to $184,500 wage base. Medicare 1.45% on all wages. Additional 0.9% Medicare above $200,000.
Official 2026 rates for all 50 states. 9 states have $0 income tax. Flat rates and progressive brackets both supported.
All math runs in your browser. Zero data sent to any server. No cookies, no tracking, no accounts required — ever.
Updated for 2026 IRS inflation adjustments. New standard deductions, bracket thresholds, and FICA wage base included.
Results in under a second. No signup, no email, no paywall. Works on any device. Completely free forever.
Sources: IRS Pub 15-T · SSA Wage Base · State Revenue Departments
2026 Updates Included
How We Calculate Your Paycheck
Common Paycheck Questions
Answers based on 2026 IRS rules. All calculations verified against official IRS Publication 15-T.
How much of my paycheck goes to taxes?
For most Americans: 22–24% federal income tax + 7.65% FICA (Social Security + Medicare) + state tax. A $60,000 salary in Texas takes home ~$47,000. The same salary in California takes home ~$44,000 after state income tax up to 9.3%.
What is the difference between gross and net pay?
Gross pay is your salary or hourly rate before any deductions. Net pay (take-home) is what hits your bank account after federal tax, state tax, Social Security (6.2%), and Medicare (1.45%) are withheld.
How do I calculate my biweekly paycheck?
Divide your annual salary by 26 (biweekly pay periods). Then subtract federal withholding based on your W-4, state tax, and FICA. Example: $75,000 ÷ 26 = $2,884 gross → ~$2,150 net in Texas, ~$1,980 net in California.
Does overtime get taxed more?
No — overtime is taxed at your regular marginal rate, not a higher rate. However, under the 2025 One Big Beautiful Bill, up to $12,500 of overtime pay is now deductible, saving workers up to $2,750+ per year.
How much is $20 an hour after taxes?
$20/hr × 2,080 hours = $41,600 gross. After federal tax (~10–12%), FICA (7.65%), and state tax: ~$33,000/yr in Texas (no state tax), ~$30,500/yr in California. That is ~$1,270/biweekly in Texas.
Why does my paycheck vary each period?
Withholding can shift based on bonuses, overtime, or W-4 changes. The IRS uses an annualized method — a large single payment can push you into a higher bracket for that period. Use our bonus calculator to see the exact impact.
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