Paycheck Calculator
US Take-Home Pay · Tax Year 2026
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Enter your salary and press Calculate to see your breakdown.
Take-Home Per Paycheck
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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 Rate0%
Annual Take-Home
$0
Annual Gross
$0
Annual Fed Tax
$0
Annual FICA
$0
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How Your Paycheck is Calculated in 2026
Your gross pay is reduced by several mandatory deductions. The One Big Beautiful Bill Act (OBBBA), signed July 2025, made the 7-bracket structure permanent and raised the standard deduction. For 2026 the SS wage base increased to $184,500 (up from $176,100 in 2025).
2026 Federal Tax Brackets (Single Filers)
| Taxable Income | Rate |
|---|---|
| $0 — $12,400 | 10% |
| $12,401 — $50,400 | 12% |
| $50,401 — $105,700 | 22% |
| $105,701 — $201,775 | 24% |
| $201,776 — $256,225 | 32% |
| $256,226 — $640,600 | 35% |
| Over $640,600 | 37% |
Standard deductions 2026: $16,100 Single · $32,200 Married Jointly · $24,150 Head of Household · $16,100 Married Separately. These reduce taxable income before brackets apply.
FICA 2026: Social Security 6.2% on wages up to $184,500 · Medicare 1.45% (no cap) · Additional Medicare 0.9% above $200,000 single / $250,000 joint.
New for 2026 (OBBBA): No Tax on Tips deduction (up to $25,000 for eligible workers) · No Tax on Overtime deduction (up to $12,500 single / $25,000 joint for nonexempt employees) · Senior bonus deduction $6,000 (age 65+ with MAGI under $75,000 single).
Estimates only. Actual paycheck may vary based on local taxes, employer-specific deductions, and withholding elections. The OBBBA tips/overtime deductions are claimed at tax filing, not through payroll withholding. Consult a tax professional for personalized advice.
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Frequently Asked Questions
How much taxes are taken out of my paycheck in 2026?+
For a single filer earning $75,000/year in a no-tax state, expect approximately 13–15% effective federal income tax, 6.2% Social Security (on the first $184,500), and 1.45% Medicare. Total deductions typically range from 22% to 30% of gross pay for most Americans.
What is the Social Security wage base for 2026?+
For 2026 the Social Security taxable wage base is $184,500, up from $176,100 in 2025 — an increase of $8,400 (4.8%). You only pay 6.2% on earnings up to this amount. Once you cross it during the year, Social Security withholding stops. Medicare at 1.45% has no cap. An additional 0.9% Medicare surtax applies above $200,000 (single) and $250,000 (joint).
What changed in 2026 due to the One Big Beautiful Bill?+
The OBBBA, signed July 4, 2025, made the 7-bracket system permanent (previously due to expire after 2025). Key 2026 changes: standard deduction rises to $16,100 single / $32,200 joint; new No Tax on Tips deduction (up to $25,000 for qualifying workers); No Tax on Overtime deduction (up to $12,500 single); senior bonus deduction of $6,000 for age 65+ earning under $75,000; SALT cap raised to $40,000 through 2029.
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 federal rate of 12–15%.
How do pre-tax deductions reduce my taxes?+
Contributions to 401(k), HSA, FSA, and health insurance premiums reduce 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. The 401(k) limit for 2026 is $24,500 ($32,500 if age 50+).
Which states have no income tax in 2026?+
Nine states have no individual income tax: Texas, Florida, Nevada, Washington, Wyoming, South Dakota, Alaska, New Hampshire, and Tennessee. New Hampshire taxes only investment income, not wages. A $100,000 earner moving from California (up to 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 above to go the other direction and calculate annual take-home from an hourly rate.
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 $184,500 in 2026, and Medicare (1.45%) with no income cap. Your employer matches both, paying an additional 7.65% on your behalf. Self-employed individuals pay the full 15.3% but deduct half as a business expense.
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 each paycheck. If you expect to claim the new tips or overtime deduction, you may want to reduce withholding on your W-4 Step 4(b) to reflect the expected deduction.
Does the No Tax on Tips deduction show up in my paycheck?+
No. The No Tax on Tips deduction (and No Tax on Overtime) are claimed when you file your annual tax return, not through payroll withholding. Your employer still withholds tax from tips and overtime during the year. You recoup the benefit when you file in April 2027. You can adjust your W-4 to account for the expected deduction and reduce over-withholding during the year.