Paycheck Calculator
See what you actually take home: federal and state income tax, Social Security and Medicare, state disability and family leave deductions, and city taxes, for every state and DC under the 2026 tax rules.
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01Your Paycheck
| Item | Per paycheck | Per year | Share of gross |
|---|
02Take-Home Pay in Every State
The same pay, filing status, dependents and deductions in every state and DC, before any city or county tax. The bar under each state shows its income tax and other state deductions. Click a state to switch the calculator to it.
| # | State | State income tax | Other state deductions | Take-home per year | Per paycheck | vs. your state |
|---|
032026 Federal Tax Brackets
Federal income tax is charged in layers: each rate applies only to the slice of taxable income inside its bracket. Taxable income is pay after pre-tax deductions and the standard deduction of $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 to $12,400 | $0 to $24,800 | $0 to $17,700 |
| 12% | $12,400 to $50,400 | $24,800 to $100,800 | $17,700 to $67,450 |
| 22% | $50,400 to $105,700 | $100,800 to $211,400 | $67,450 to $105,700 |
| 24% | $105,700 to $201,775 | $211,400 to $403,550 | $105,700 to $201,750 |
| 32% | $201,775 to $256,225 | $403,550 to $512,450 | $201,750 to $256,200 |
| 35% | $256,225 to $640,600 | $512,450 to $768,700 | $256,200 to $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
Source: IRS, Revenue Procedure 2025-32. Social Security: 6.2% on wages up to $184,500. Medicare: 1.45% on all wages, plus 0.9% above $200,000 (single) or $250,000 (married filing jointly).
04State Income Tax Rates, 2026
| State | Type | Lowest rate | Top rate | Top rate starts at (single) | Standard deduction (single) |
|---|---|---|---|---|---|
| Alabama | Graduated | 2% | 5% | $3,000 | $3,000 |
| Alaska | No tax on wages | 0% | 0% | – | – |
| Arizona | Flat | 2.5% | 2.5% | All income | $15,750 |
| Arkansas | Graduated | 2% | 3.9% | $26,400 | $2,470 |
| California | Graduated | 1% | 13.3% | $1,000,000 | $5,706 |
| Colorado | Flat | 4.4% | 4.4% | All income | $16,100 (federal) |
| Connecticut | Graduated | 2% | 6.99% | $500,000 | None |
| Delaware | Graduated | 2.2% | 6.6% | $60,000 | $3,250 |
| District of Columbia | Graduated | 4% | 10.75% | $1,000,000 | $15,000 |
| Florida | No tax on wages | 0% | 0% | – | – |
| Georgia | Flat | 4.99% | 4.99% | All income | $15,000 |
| Hawaii | Graduated | 1.4% | 11% | $325,000 | $8,000 |
| Idaho | Flat | 5.3% | 5.3% | $4,811 | $16,100 (federal) |
| Illinois | Flat | 4.95% | 4.95% | All income | None |
| Indiana | Flat | 2.95% | 2.95% | All income | None |
| Iowa | Flat | 3.8% | 3.8% | All income | $16,100 (federal) |
| Kansas | Graduated | 5.2% | 5.58% | $23,000 | $3,605 |
| Kentucky | Flat | 3.5% | 3.5% | All income | $3,360 |
| Louisiana | Flat | 3% | 3% | All income | $12,875 |
| Maine | Graduated | 5.8% | 9.15% | $1,000,000 | $15,700 |
| Maryland | Graduated | 2% | 6.5% | $1,000,000 | $3,400 |
| Massachusetts | Graduated | 5% | 9% | $1,107,750 | None |
| Michigan | Flat | 4.25% | 4.25% | All income | None |
| Minnesota | Graduated | 5.35% | 9.85% | $203,150 | $15,300 |
| Mississippi | Flat | 4% | 4% | $10,000 | $2,300 |
| Missouri | Graduated | 2% | 4.7% | $9,436 | $16,100 (federal) |
| Montana | Graduated | 4.7% | 5.65% | $47,500 | $16,100 (federal) |
| Nebraska | Graduated | 2.46% | 4.55% | $24,760 | $8,850 |
| Nevada | No tax on wages | 0% | 0% | – | – |
| New Hampshire | No tax on wages | 0% | 0% | – | – |
| New Jersey | Graduated | 1.4% | 10.75% | $1,000,000 | None |
| New Mexico | Graduated | 1.5% | 5.9% | $210,000 | $16,100 (federal) |
| New York | Graduated | 3.9% | 10.9% | $25,000,000 | $8,000 |
| North Carolina | Flat | 3.99% | 3.99% | All income | $12,750 |
| North Dakota | Graduated | 1.95% | 2.5% | $250,400 | $16,100 (federal) |
| Ohio | Flat | 2.75% | 2.75% | $26,050 | None |
| Oklahoma | Graduated | 2.5% | 4.5% | $7,200 | $6,350 |
| Oregon | Graduated | 4.75% | 9.9% | $125,000 | $2,910 |
| Pennsylvania | Flat | 3.07% | 3.07% | All income | None |
| Rhode Island | Graduated | 3.75% | 5.99% | $186,450 | $11,200 |
| South Carolina | Graduated | 1.99% | 5.21% | $30,000 | $15,000 |
| South Dakota | No tax on wages | 0% | 0% | – | – |
| Tennessee | No tax on wages | 0% | 0% | – | – |
| Texas | No tax on wages | 0% | 0% | – | – |
| Utah | Flat | 4.45% | 4.45% | All income | None |
| Vermont | Graduated | 3.35% | 8.75% | $256,300 | $7,650 |
| Virginia | Graduated | 2% | 5.75% | $17,000 | $8,750 |
| Washington | No tax on wages | 0% | 0% | – | – |
| West Virginia | Graduated | 2.11% | 4.58% | $60,000 | None |
| Wisconsin | Graduated | 3.5% | 7.65% | $332,720 | $13,960 |
| Wyoming | No tax on wages | 0% | 0% | – | – |
Single-filer schedules. Several states also give personal exemptions or credits, and some phase deductions out at higher incomes; the calculator applies those rules.
05How We Calculate
The calculator works out your tax for the whole year and divides it by the number of paychecks, so it shows what you owe, not what your employer happens to withhold. Withholding usually lands close to this figure for a single job with no other income; the difference shows up as a refund or a balance due when you file.
- Federal income tax uses the 2026 brackets and standard deduction, the $2,200 child tax credit (with its refundable part) and the $500 credit for other dependents, and the new deductions for overtime premium pay and tips.
- Social Security and Medicare apply to pay after cafeteria-plan health premiums but before 401(k) contributions.
- State income tax uses each state's 2026 brackets (or the latest published, where a state has not yet released its inflation adjustments), standard deduction, exemptions and credits, including the phase-outs that matter for wage earners in states such as New York, Connecticut, Wisconsin, Utah, Maine and Minnesota, and the federal tax deduction allowed in Alabama, Missouri and Oregon.
- Other state deductions are the employee share of state disability insurance, paid family and medical leave, long-term care and unemployment contributions where states require them.
- City and county taxes are applied when you pick a locality. Many apply to residents and to people who work there at different rates; the menu says which rate it uses.
Not included: itemized deductions, income other than wages, the federal deduction for people 65 and older, state child and earned income credits (except Massachusetts' child credit), state versions of the overtime and tips deductions, and local school district taxes. Pre-tax health premiums and HSA contributions are assumed to go through an employer cafeteria plan. For a married couple, the calculator treats the pay entered as the household's total wages and assumes two earners where a state gives each spouse a separate deduction, as Kentucky does.
06Frequently Asked Questions
How much is taken out of a paycheck?
For most workers, federal income tax, Social Security (6.2%) and Medicare (1.45%) come out of every paycheck, plus state income tax in 41 states and DC, and in some states a disability or paid family leave contribution. A single filer earning $75,000 in a state with no income tax keeps roughly 82% of gross pay; in New York City, with state and city income tax on top, it is closer to 74%.
Which states have no income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wages. Washington does take a small payroll deduction for its paid family leave and long-term care programs.
What is the Social Security wage base for 2026?
Social Security tax of 6.2% applies to the first $184,500 of wages in 2026. Earnings above that are not taxed for Social Security, but Medicare's 1.45% applies to all wages, plus an extra 0.9% above $200,000 for single filers ($250,000 for married couples filing jointly).
Do 401(k) contributions lower my taxes?
Traditional 401(k) contributions are taken out before federal income tax and, in every state except Pennsylvania, before state income tax, so each dollar you put in costs less than a dollar of take-home pay. They do not reduce Social Security or Medicare tax. Health insurance premiums paid through a cafeteria plan reduce all of them.
Is overtime tax-free now?
Not entirely. From 2025 through 2028, workers can deduct the extra half in time-and-a-half overtime pay, up to $12,500 a year ($25,000 for married couples filing jointly), on their federal return, phasing out at higher incomes. Social Security, Medicare and most state income taxes still apply. Enter your overtime premium under More options to see the effect.
07Sources
- IRS Revenue Procedure 2025-32 (2026 brackets, standard deduction, child tax credit) and IRS guidance on the overtime and tips deductions
- Social Security Administration, 2026 wage base of $184,500
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026, checked against each state below
- State revenue departments (2026 rate schedules, withholding guides and legislation): 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
- State disability, paid leave and payroll contributions: California, New Jersey, New York, Rhode Island, Hawaii, Washington, Massachusetts, Oregon, Colorado, Connecticut, Delaware, Minnesota, Maine, Vermont, Pennsylvania, Alaska
- City and county taxes: Maryland Comptroller 2026 local rates, NYC Department of Finance, Philadelphia Department of Revenue, Indiana DOR Departmental Notice 1, Oregon Metro and Multnomah County, and the city finance departments of each listed city
Tax tables updated October 21, 2026. This calculator gives estimates for information only; it is not tax advice.