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Paycheck calculator 2026

Take-home pay after federal, FICA and state taxes

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$

Pre-tax 401(k) or 403(b): lowers income tax, but not Social Security and Medicare. Roth contributions do not count here.

More settings· Pre-tax health premiums, HSA, FSA per paycheck, Children under 17, Other dependents, Extra federal withholding per paycheck, Local income tax rate
$

Section 125 deductions: lower income tax, Social Security and Medicare.

W-4 Step 3: $2,200 credit each. Also counts as a dependent for state tax.

W-4 Step 3: $500 credit each.

$

W-4 Step 4(c).

%

City or county wage tax on taxable pay, e.g. New York City about 3.9 %, Philadelphia 3.74 % (residents).

Take-home pay per paycheck

$2,016.14

Taxes
$483.86
Federal income tax
$216.15
FICA (Social Security + Medicare)
$191.25
Social Security (6.2 %)
$155.00
Medicare (1.45 %)
$36.25
State income tax
$76.46
Gross pay per year
$65,000.00
Take-home pay per year
$52,419.64
Taxes as a share of gross
19.35%
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Take-home pay per paycheck

$2,016.14

How the paycheck calculator 2026 works

US paycheck calculator for 2026: take-home pay after federal income tax withholding (IRS Publication 15-T, Form W-4), Social Security, Medicare and state income tax for all 50 states and DC – with 401(k), pre-tax health premiums and pay frequency. Works backwards too: the salary you need for a take-home pay.

  • Take-home pay per paycheck$2,016.14of $2,500.00 gross per two weeks
  • Taxes$483.8619.35% of gross
  • Take-home pay per year$52,420of $65,000 a year
Where $2,500.00 of gross pay goes
Gross pay per paycheck$2,500.00
  • Take-home pay per paycheck$2,016.14
  • Federal income tax$216.15
  • FICA (Social Security + Medicare)$191.25
  • State and local tax$76.46
The formula
Net
Take-home pay per paycheck: $2,016.14
Gross
Gross pay per paycheck: $2,500.00
Federal
Federal income tax: $216.15
FICA
FICA (Social Security + Medicare): $191.25
State
State and local tax: $76.46
  1. 1Federal withholding works on the yearly amount: $65,000 gross, minus the standard deduction, taxed at 10 % to 37 % (IRS Publication 15-T) – $216.15 per paycheck.
  2. 2FICA: Social Security 6.2 % up to $184,500 a year ($155.00) and Medicare 1.45 %, plus 0.9 % above $200,000 ($36.25). A 401(k) does not lower FICA.
  3. 3State income tax: $76.46 per paycheck. Nine states don’t tax wages, among them Texas, Florida and Washington.
  4. 4That leaves $2,016.14 – 80.65% of gross, $52,420 a year.

Working backwards: from the goal to the input

  • What salary do I need?Here you set the goal, for example Take-home pay per paycheck $2,000. Fixed: Pay frequency Every two weeks (26 a year), Filing status (W-4) Single or married filing separately, State California. The calculator looks for the value of Gross pay per paycheck at which the calculation hits exactly this goal: $2,477.70 (rounded up to the cent so the goal is surely reached). Check: with $2,477.70, Take-home pay per paycheck comes to $2,000.

Inputs

  • Gross pay per paycheck
  • Pay frequency
  • Filing status (W-4)
  • State
  • 401(k) contribution per paycheck
  • Pre-tax health premiums, HSA, FSA per paycheck
  • Children under 17
  • Other dependents
  • Extra federal withholding per paycheck
  • Local income tax rate

Results

  • Take-home pay per paycheck
  • Taxes
  • Federal income tax
  • FICA (Social Security + Medicare)
  • Social Security (6.2 %)
  • Medicare (1.45 %)
  • State income tax
  • Local income tax
  • 401(k)
  • Health premiums, HSA, FSA
  • Gross pay per year
  • Take-home pay per year
  • Taxes as a share of gross
Show formulas
  • Take-home pay per paycheck: round(gross - taxes - retirementDeduction - healthDeduction, 2)
  • Taxes: round(federal + fica + stateTax + localTax, 2)
  • Federal income tax: usPaycheck(gross, frequency, status, state, retirement, health, children, dependents, extraWithholding, localRate).federal
  • FICA (Social Security + Medicare): round(socialSecurity + medicare, 2)
  • Social Security (6.2 %): usPaycheck(gross, frequency, status, state, retirement, health, children, dependents, extraWithholding, localRate).socialSecurity
  • Medicare (1.45 %): usPaycheck(gross, frequency, status, state, retirement, health, children, dependents, extraWithholding, localRate).medicare
  • State income tax: usPaycheck(gross, frequency, status, state, retirement, health, children, dependents, extraWithholding, localRate).state
  • Local income tax: usPaycheck(gross, frequency, status, state, retirement, health, children, dependents, extraWithholding, localRate).local
  • 401(k): usPaycheck(gross, frequency, status, state, retirement, health, children, dependents, extraWithholding, localRate).retirement
  • Health premiums, HSA, FSA: usPaycheck(gross, frequency, status, state, retirement, health, children, dependents, extraWithholding, localRate).health
  • Gross pay per year: round(gross * frequency, 2)
  • Take-home pay per year: round(net * frequency, 2)
  • Taxes as a share of gross: gross > 0 ? taxes / gross : 0

Add your own result fields with “+ Field” – every input is available as a variable.

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