Paycheck calculator › 2026 tax changes
How your paycheck changes in 2026 vs 2025
The 2026 federal tables raise the standard deduction from $15,750 to $16,100 (single) and widen every bracket by about 2.3%, so the same salary keeps more. On $75,000 the federal income tax falls from $7,949 to $7,670 — $279 more take-home a year, or $11 per bi-weekly paycheck. The Social Security wage base rises from $176,100 to $184,500 and the 401(k) limit from $23,500 to $24,500.
Your pay
Take-home pay
$2,369
take-home pay every two weeks
from a gross of $2,885
Effective tax rate 17.9%Marginal rate 29.6%Total taxes $13,408
Federal tax 10.2%FICA 7.6%Take-home 82.1%
I want to take home
$
Net pay on my pay stub
$
| Line | A | B | Difference |
|---|
| Line | Bi-weekly | Yearly |
|---|---|---|
| Gross pay | $2,885 | $75,000 |
| Federal income tax | −$295 | −$7,670 |
| Taxable income $58,900 = wages $75,000 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%). | ||
| Social Security (6.2%) | −$179 | −$4,650 |
| 6.2% of $75,000. | ||
| Medicare (1.45%) | −$42 | −$1,088 |
| 1.45% of $75,000. | ||
| Texas state income tax (none) | −$0 | −$0 |
| Texas has no state income tax on wages. | ||
| Take-home pay | $2,369 | $61,592 |
take-home pay every two weeks$2,369
Federal tax 2025 vs 2026 by salary (single, federal only)
| Salary | 2025 federal tax | 2026 federal tax | More take-home / yr | Per paycheck |
|---|---|---|---|---|
| $30,000 | $1,472 | $1,420 | +$52 | +$2 |
| $35,000 | $2,072 | $2,020 | +$52 | +$2 |
| $40,000 | $2,672 | $2,620 | +$52 | +$2 |
| $45,000 | $3,272 | $3,220 | +$52 | +$2 |
| $50,000 | $3,872 | $3,820 | +$52 | +$2 |
| $55,000 | $4,472 | $4,420 | +$52 | +$2 |
| $60,000 | $5,072 | $5,020 | +$52 | +$2 |
| $65,000 | $5,749 | $5,620 | +$129 | +$5 |
| $70,000 | $6,849 | $6,570 | +$279 | +$11 |
| $75,000 | $7,949 | $7,670 | +$279 | +$11 |
| $80,000 | $9,049 | $8,770 | +$279 | +$11 |
| $85,000 | $10,149 | $9,870 | +$279 | +$11 |
| $90,000 | $11,249 | $10,970 | +$279 | +$11 |
| $95,000 | $12,349 | $12,070 | +$279 | +$11 |
| $100,000 | $13,449 | $13,170 | +$279 | +$11 |
| $110,000 | $15,649 | $15,370 | +$279 | +$11 |
| $120,000 | $17,867 | $17,570 | +$297 | +$11 |
| $125,000 | $19,067 | $18,734 | +$333 | +$13 |
| $130,000 | $20,267 | $19,934 | +$333 | +$13 |
| $140,000 | $22,667 | $22,334 | +$333 | +$13 |
| $150,000 | $25,067 | $24,734 | +$333 | +$13 |
| $160,000 | $27,467 | $27,134 | +$333 | +$13 |
| $175,000 | $31,067 | $30,734 | +$333 | +$13 |
| $200,000 | $37,067 | $36,734 | +−$188 | +−$7 |
| $250,000 | $52,023 | $51,304 | +$198 | +$8 |
| $300,000 | $69,035 | $68,134 | +$380 | +$15 |
What changed
| Item | 2025 | 2026 |
|---|---|---|
| Standard deduction (single / married / head) | $15,750 / $31,500 / $23,625 | $16,100 / $32,200 / $24,150 |
| 10% bracket ends (single) | $11,925 | $12,400 |
| 12% bracket ends (single) | $48,475 | $50,400 |
| 22% bracket ends (single) | $103,350 | $105,700 |
| 24% bracket ends (single) | $197,300 | $201,775 |
| Social Security wage base | $176,100 | $184,500 |
| 401(k) limit (+ catch-up 50+) | $23,500 (+$7,500) | $24,500 (+$8,000) |
| HSA limit (self / family) | $4,300 / $8,550 | $4,400 / $8,750 |
State changes for 2026 (Georgia 4.99%, Mississippi 4.0%, Kentucky 3.5%, North Carolina 3.99%, Indiana 2.95%, Nebraska 4.55%, Montana 5.65%, Ohio flat 2.75%, Oklahoma 4.5%) are reflected on each state's page. Sources: IRS Rev. Proc. 2025-32, SSA, IRS Notice 2025-67.