Tax year 2026 · federal, FICA, state & local
Your 2026 paycheck, itemized.
See what you actually take home — every tax and deduction on its own line, with the assumptions and official sources behind each number.
- Take-home pay$1,98879.5%
- Federal income tax$2168.6%
- Social Security & Medicare$1917.6%
- State & local income tax$722.9%
- State payroll taxes$331.3%
Calculators
Free, no sign-up, every assumption shown.
Paycheck Calculator
Take-home pay per paycheck after federal, FICA, state and local taxes and your deductions.
Federal Income Tax Calculator
Your 2026 federal income tax, bracket by bracket, with credits and new deductions.
Salary Comparison by State
One salary, every state: take-home pay and taxes side by side.
Hourly to Salary Calculator
Convert hourly pay to annual salary and back, gross and estimated net.
Overtime Calculator
Time-and-a-half pay over 40 hours and the 2025–2028 overtime deduction estimate.
Bonus Tax Calculator
Flat-rate supplemental withholding vs the aggregate method vs what you actually owe.
Raise Calculator
How much of a raise reaches your paycheck after taxes.
401(k) Paycheck Calculator
Traditional vs Roth 401(k): the effect on each paycheck and on your taxes.
Self-Employment Tax Calculator
SE tax, income tax on business profit and quarterly estimated payments.
Paycheck calculators by state
Brackets, payroll taxes, local taxes and sources for each state.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Every rate and limit comes from the IRS, the Social Security Administration or a state agency — 210 cited sources, each with the date we read it.
An annual-liability estimate divided by pay period, with the assumptions and the items we don’t model listed under every result. Methodology
Your employer’s withholding and your final return can differ. Use the numbers to plan, then confirm big decisions with a professional.
Latest guides
HSA and FSA: How They Save Money on Your Paycheck
HSA contributions (up to $4,400 self-only or $8,750 family in 2026) and FSA contributions (up to $3,400) reduce both income tax and FICA — unlike a 401(k).
Moving to a No-Income-Tax State: Take-Home Savings
Moving from California to Texas on $80,000 saves about $4,100 per year in state taxes. Engine-computed comparisons, part-year rules, and what's not modeled.
Senior Deduction 2026: $6,000 for Taxpayers 65 and Older
New $6,000 per-person deduction for taxpayers 65+ (2025-2028). Phases out at 6% of MAGI above $75k single / $150k MFJ. Stacks on standard deduction.
Roth vs. Traditional 401(k): Paycheck Impact
Traditional 401(k) costs less per paycheck than Roth due to the current tax break. At $70k with $7,000 contributed, traditional saves $46 per biweekly check.
How 401(k) Contributions Affect Your Take-Home Pay
Traditional 401(k) cuts taxable income but not FICA wages. At $70k, a 6% contribution ($162/paycheck) only reduces take-home by $129 — taxes offset the rest.
Child Tax Credit 2026: $2,200 Per Child
The 2026 Child Tax Credit is $2,200 per child under 17, up to $1,700 refundable. Phase-out: $200k single / $400k MFJ. Source: Rev. Proc. 2025-32.