Take-Home Pay Calculator (2026)
Estimate your paycheck after federal tax, state tax, Social Security and Medicare, using 2026 tax rates. Free, no signup.
Texas has no state income tax on wages.
| Per paycheck | Amount | Per year |
|---|---|---|
| Gross pay | $2,307.69 | $60,000.00 |
| Federal income tax | -$193.08 | -$5,020.08 |
| Texas income tax | $0.00 | $0.00 |
| Social Security (6.2%) | -$143.08 | -$3,720.08 |
| Medicare (1.45%) | -$33.46 | -$869.96 |
Estimate using 2026 federal brackets and the standard deduction for your filing status, with no extra withholding or other credits. Social Security is 6.2% up to $184,500 a year; Medicare is 1.45% plus 0.9% on wages over $200,000. Local taxes (such as NYC or county taxes) are not included, except Maryland county tax, which is withheld with the state tax. Not tax advice.
Tax rates last updated October 22, 2026. Sources: IRS, SSA, state tax agencies and Tax Foundation.
Frequently asked questions
How is take-home pay calculated?
Take-home pay is gross pay minus federal income tax, state income tax, Social Security (6.2%) and Medicare (1.45%). Federal tax uses the 2026 brackets after the standard deduction for your filing status ($16,100 single, $32,200 married filing jointly, $24,150 head of household). Every state with an income tax, and DC, uses its own 2026 brackets and deductions. State payroll deductions (California SDI, New York and New Jersey disability and family leave, Hawaii and Rhode Island TDI, Washington paid leave and WA Cares, and paid leave premiums in Colorado, Connecticut, Delaware, Maine, Massachusetts, Minnesota and Oregon) are shown as their own line.
Which states have no state income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wages, so only federal taxes come out of a paycheck there.
Why is my real paycheck different?
Your actual withholding depends on your Form W-4, filing status, pre-tax deductions such as 401(k) and health insurance, local taxes, and your state's exact tax brackets. This calculator gives a quick estimate, not your exact withholding.
State pay stub guides
See which states require pay stubs in our pay stub laws by state table.