Paycheck Calculator
US Take-Home Pay · Tax Year
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$
Enter your salary and calculate to see your take-home pay breakdown.
Take-Home Per Paycheck
$0
bi-weekly · after all deductions
ItemPer Paycheck
Gross Pay$0
Pre-Tax Deductions-$0
Federal Income Tax-$0
Social Security (6.2%)-$0
Medicare (1.45%)-$0
Take-Home Pay$0
Effective Tax Rate
0%
Annual Take-Home
$0
Annual Gross
$0
Annual Fed Tax
$0
Annual FICA
$0
How Your Paycheck is Calculated
Your gross pay is reduced by several mandatory deductions before you receive your net pay. Understanding each deduction helps you plan your finances and optimize your W-4 withholding.
2026 Federal Tax Brackets (Single Filers)
| Taxable Income | Marginal Rate |
|---|---|
| Up to $11,925 | 10% |
| $11,926 — $48,475 | 12% |
| $48,476 — $103,350 | 22% |
| $103,351 — $197,300 | 24% |
| $197,301 — $250,525 | 32% |
| $250,526 — $626,350 | 35% |
| Over $626,350 | 37% |
Standard deductions 2026: $15,000 Single · $30,000 Married Jointly · $22,500 Head of Household. These reduce your taxable income before brackets apply.
FICA taxes fund Social Security (6.2% on the first $176,100) and Medicare (1.45% with no cap). An extra 0.9% Medicare surtax applies above $200,000 for single filers.
Estimates only. Your actual paycheck may vary based on local taxes, additional withholdings, and employer-specific deductions. Consult a tax professional for personalized advice.
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Frequently Asked Questions
How much taxes are taken out of my paycheck?+
For a typical single filer earning $75,000/year in a no-tax state: approximately 15% effective federal income tax, 6.2% Social Security, and 1.45% Medicare. Total deductions typically range from 22% to 30% of gross pay for most Americans.
What is FICA tax and why is it taken out?+
FICA stands for Federal Insurance Contributions Act. It funds Social Security (6.2%) on wages up to $176,100 in 2026, and Medicare (1.45%) with no income cap. Your employer matches the same amount — 7.65% additional — on your behalf.
What is the difference between marginal and effective tax rate?+
Your marginal rate is the rate on your last dollar earned — the highest bracket you reach. Your effective rate is total tax divided by total income, always lower because lower income is taxed at lower rates. Most people in the 22% bracket have an effective rate of 12-15%.
How do pre-tax deductions reduce my taxes?+
Contributions to 401(k), HSA, FSA, and health insurance premiums reduce your gross pay before taxes are calculated. A $500/month 401(k) contribution reduces taxable income by $6,000/year — saving around $1,320 in federal taxes for someone in the 22% bracket.
What is the Social Security wage base for 2026?+
In 2026 the Social Security wage base is $176,100. You only pay 6.2% on earnings up to this amount. Once you exceed it during the year, Social Security withholding stops. Medicare has no cap — 1.45% applies to all earnings.
Which states have no income tax?+
Seven states have no individual income tax: Texas, Florida, Nevada, Washington, Wyoming, South Dakota, and Alaska. A $100,000 earner moving from California (13.3%) to Texas saves over $8,000 annually in state taxes.
How do I convert annual salary to hourly rate?+
Divide your annual salary by 2,080 hours (52 weeks × 40 hours). Example: $75,000 ÷ 2,080 = $36.06/hour. Use the Hourly tab to go the other direction and calculate annual take-home from an hourly wage.
When should I update my W-4?+
Update your W-4 after major life changes: marriage, divorce, new child, second job, or significant income change. If you consistently get large refunds, you are over-withholding — adjust your W-4 to get more money in each paycheck throughout the year.