Paycheck calculator 2026
See what you take home after federal, state and FICA taxes. Built on the 2026 IRS withholding tables and each state’s own employer formulas.
Enter your pay to see the breakdown.
Calculators by state
More states are on the way.
What comes out of a paycheck
Federal income tax uses the percentage method in IRS Publication 15-T for 2026, the method payroll software follows. Your pay for the year is reduced by $8,600 (single or head of household) or $12,900 (married filing jointly) unless the box in Step 2 of your W-4 is checked, then run through the 2026 withholding schedule and divided by the number of paychecks. Credits from Step 3 and the amounts in Step 4 are applied the way the IRS worksheet applies them.
Social Security takes 6.2% of wages until your pay for the year reaches $184,500, then stops. Medicare takes 1.45% of all wages plus 0.9% on wages above $200,000. Pre-tax 401(k) contributions lower federal income tax but not Social Security or Medicare; pre-tax health premiums lower both.
States add their own withholding. Texas and Florida have none. California withholds income tax and 1.3% for State Disability Insurance. New York withholds income tax, disability insurance and Paid Family Leave, plus city tax for New York City residents.