Paycheck calculator › Take-home pay calculator

Take-home pay calculator 2026

Take-home pay is what is left of your gross salary after federal income tax, Social Security (6.2%), Medicare (1.45%), state and local income tax, and anything you have taken out before tax such as a 401(k) or health premiums. On $60,000 a single filer takes home $50,390 a year in a state with no income tax ($1,938 per bi-weekly paycheck) and $47,970 in California. Enter your own numbers — every state, every pay frequency, 2026 tables.

Your pay

Gross pay

State

Filing status

401(k) / 403(b) %

Bonus (one-off)

Pre-tax deductions & HSA

Health premiums / yr

HSA / yr

Other pre-tax / yr

Custom local rate %

Age 50+ (401k catch-up) Family HSA limit

401(k) lowers income tax but not Social Security/Medicare. Health premiums and HSA through a cafeteria plan lower both.

W-4 details (2020 or later form)

Step 2: two jobs / spouse works

Step 3: dependents credit $

Step 4a: other income / yr

Step 4b: extra deductions / yr

Step 4c: extra withholding / check

Paychecks per year (for 4c)

Tax tables

Leave blank for standard withholding. Dependents: $2,000 per qualifying child, $500 per other dependent.

Take-home pay

$1,938

take-home pay every two weeks

from a gross of $2,308

Effective tax rate 16.0%Marginal rate 19.7%Total taxes $9,610

Federal tax 8.4%FICA 7.6%Take-home 84.0%

Line	Bi-weekly	Yearly
Gross pay	$2,308	$60,000
Federal income tax	−$193	−$5,020
Taxable income $43,900 = wages $60,000 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%).
Social Security (6.2%)	−$143	−$3,720
6.2% of $60,000.
Medicare (1.45%)	−$33	−$870
1.45% of $60,000.
Texas state income tax (none)	−$0	−$0
Texas has no state income tax on wages.
Take-home pay	$1,938	$50,390

What comes out of a paycheck

Deduction	Rate (2026)	Applies to
Federal income tax	10%–37%	Taxable income after the $16,100 standard deduction (single) / $32,200 (married)
Social Security	6.2%	Wages up to $184,500
Medicare	1.45% (+0.9% above $200,000)	All wages
State income tax	0%–13.3%	41 states + DC; none in AK, FL, NV, NH, SD, TN, TX, WA, WY
Local income tax	0%–3.9%	NYC, Philadelphia, Ohio and Pennsylvania municipalities, Maryland counties, Indiana counties, others
Pre-tax deductions	your choice	401(k) up to $24,500, HSA up to $4,400/$8,750, health premiums, FSA

Take-home pay by salary

$40,000 a year $50,000 a year $60,000 a year $70,000 a year $75,000 a year $80,000 a year $90,000 a year $100,000 a year $120,000 a year $150,000 a year Pick a state

Frequently asked

What percentage of my paycheck is taken out?

Typically 20–30% for a single filer: about 16.0% on $60,000 with no state tax and 20.0% in California. The share rises with income because federal brackets are progressive.

Is take-home pay the same as net pay?

Yes. Gross pay is the salary in your contract; net or take-home pay is the amount deposited after taxes and deductions.

Why is my actual paycheck different?

Employers withhold using your W-4, which can be higher or lower than the tax you finally owe; benefits, garnishments and local taxes also vary. This calculator shows the tax you owe on the income — use the W-4 section to mirror your form, and the refund estimator to see the difference.