Tax year 2026 • USD • All 50 states + DC

US Paycheck & Take-Home Pay Calculator

See exactly what lands in your bank account each payday. Estimates 2026 federal income tax withholding (Form W-4 and IRS Publication 15-T method), Social Security, Medicare, state and local tax, and your pre-tax and after-tax deductions, for salaried or hourly pay.

Salary or hourlyFLSA overtime 1.5x2026 Form W-4FICA & Additional MedicareState & local tax401(k), HSA, healthOne-page pay stub PDF

1Pay details

Pay type

Pay frequency

Annual salary ($)

Bonus / commission this paycheck ($)Withheld at the 22% federal supplemental rate

Hourly rate ($)Federal minimum wage: $7.25

Regular hours per week

Overtime hours per weekPaid at 1.5x for hours over 40 (FLSA)

Bonus / commission this paycheck ($)

2Federal Form W-4 (2020 or later)

Step 1(c) – Filing status

Step 2 – Multiple jobs / spouse works

Step 3 – Claim dependents ($ total)$2,200 per child under 17 + $500 per other dependent

Step 4(c) – Extra withholding per paycheck ($)

Step 4(a) – Other income per year ($)

Step 4(b) – Deductions per year ($)Only amounts above the standard deduction

3State & local tax

Work / resident state

State filing status

Select a state.

State dependents / allowances

Local / city income tax (%)e.g. NYC, Philadelphia, Ohio cities, MD counties

State payroll tax – SDI / PFML (%)Auto-filled for California SDI

Extra state withholding per paycheck ($)

4Deductions per paycheck

Traditional 401(k) / 403(b) (% of pay)Pre-tax. 2026 limit $24,500

Roth 401(k) (% of pay)After-tax

Health, dental & vision premiums ($)Section 125 – pre-tax incl. FICA

HSA / FSA contributions ($)Section 125 – pre-tax incl. FICA

Other pre-tax deductions ($)Commuter benefits, etc.

Other after-tax deductions ($)Union dues, garnishments, life insurance

Pay stub details (optional – shown on the PDF)

Employee name

Employer name

Pay date

Employee ID

Take-home pay per paycheck

$0.00

Click “Calculate paycheck”

Take-homeFederal taxFICAState & localDeductions

Gross pay per paycheck$0

Total taxes per paycheck$0

Annual take-home pay$0

Monthly take-home (average)$0

Effective total tax rate0%

Federal / state marginal rate0%

Paycheck breakdown

Item	Per paycheck	Annual

US payroll rules this calculator follows

Federal income tax withholding

Withholding is estimated from your 2026 Form W-4 using the IRS Publication 15-T annualized percentage method. It applies 2026 brackets of 10% to 37% and the 2026 standard deduction ($16,100 single, $32,200 joint, $24,150 head of household).

Social Security & Medicare (FICA)

Employees pay 6.2% Social Security on wages up to $184,500 in 2026 and 1.45% Medicare on all wages. Employers withhold an extra 0.9% Medicare on wages above $200,000 in a calendar year. The employer matches 6.2% and 1.45%.

Pre-tax deductions

Traditional 401(k) contributions reduce income tax but not FICA. Section 125 cafeteria plan items (health premiums, HSA through payroll, FSA) reduce both income tax and FICA. Roth 401(k) is taken after tax.

Overtime (FLSA)

Non-exempt employees must receive at least 1.5 times their regular rate for hours over 40 in a workweek. The federal minimum wage is $7.25 an hour; many states set a higher minimum.

Bonuses (supplemental wages)

Employers may withhold federal tax on bonuses and commissions at a flat 22% (37% above $1 million). Social Security, Medicare and state tax still apply.

State & local taxes

Nine states do not tax wages. Others use flat or graduated rates. Some states (e.g. California, New Jersey, New York, Washington) also take payroll contributions for disability or paid leave, and many cities and counties add a local income tax.

Disclaimer: This calculator estimates paycheck withholding for 2026 using IRS Rev. Proc. 2025-32 figures, the IRS Publication 15-T percentage method (simplified), the SSA 2026 wage base and estimated 2026 state tax rates. State withholding is estimated from annual state tax and may differ from your state’s withholding tables. Actual paychecks depend on your employer’s payroll system and year-to-date wages. Your final tax is settled on your annual return. This is not tax or legal advice.

Earnings Statement / Pay Stub Estimate

The Business Explore • US paycheck calculator (USD)

Pay date:
Ref:

Net pay this paycheck

Gross pay

Total taxes

Annual take-home

Employee & pay details

Employee:

Employee ID:

Pay frequency:

Pay basis:

W-4 status:

W-4 Step 2 / Step 3:

State:

Effective tax rate:

Marginal (fed / state):

Earnings, taxes & deductions

Item	This paycheck	Annual

Employer cost (not deducted)

Item	This paycheck	Annual

Where your pay goes

Category	Amount	Share

Basis: IRS Rev. Proc. 2025-32 (2026 brackets and standard deduction), IRS Publication 15-T percentage method (simplified), 22% supplemental rate, SSA 2026 wage base $184,500, 0.9% Additional Medicare above $200,000, FLSA overtime 1.5x, estimated 2026 state rates. This is an estimate, not an official pay stub or tax advice.

Prepared with The Business Explore US paycheck & take-home calculator • All amounts in US Dollars (USD)