US Paycheck Calculator (2026) — What Your Salary Actually Pays
PaycheckGrid shows your US take-home pay for 2026. Enter a salary, pick your state, and see exactly what lands in your account after federal income tax, Social Security, Medicare, and state tax. Every figure comes from a dated tax dataset and is stamped with the year it applies to.
Paycheck calculator (2026)
| Net per month | $4,534 |
| Net bi-weekly | $2,093 |
| Net per week | $1,046 |
| Federal income tax | $5,620 |
| Social Security | $4,030 |
| Medicare | $943 |
| Texas income tax | $0 |
| Total tax (16.3% effective) | $10,593 |
Marginal rate 19.65% = 12% federal + 7.65% FICA. Annual-liability estimate for a single filer taking the standard deduction — actual payroll withholding differs slightly and reconciles at tax time.
Example: $65,000 in Texas (2026)
| Line | Annual | Monthly | Bi-weekly * |
|---|---|---|---|
| Gross pay | $65,000 | $5,417 | $2,500 |
| Federal income tax | $5,620 | $468 | $216 |
| Social Security (6.2%) | $4,030 | $336 | $155 |
| Medicare (1.45%) | $943 | $79 | $36 |
| Texas income tax | $0 | $0 | $0 |
| Total tax | $10,593 | $883 | $407 |
| Net pay (take-home) | $54,408 | $4,534 | $2,093 |
* Single filer, standard deduction. Per-paycheck columns are annual liability ÷ pay periods — an estimate, not payroll withholding. Effective rate 16.3%; marginal 19.65% (12% federal + 7.65% FICA).
Pick your state to see take-home pay for 2026, with federal tax, FICA, and state tax broken out line by line.
- 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
Take-home by salary
Paid by the hour? Pick a common rate to see what it adds up to across a full year.
Frequently asked questions
How does the 2026 paycheck calculator work?
It computes your annual federal income tax from the IRS brackets after the standard deduction, adds Social Security and Medicare, then your state’s income tax and any employee-paid state payroll levies, and shows what’s left per year, month, bi-week and week. Every rate comes from a dated dataset sourced to the IRS, SSA or your state revenue department.
Is this my exact paycheck?
It is an annual-liability estimate divided across pay periods, not a payroll withholding computation, so a real paystub can differ by a few dollars per check. The gap reconciles when you file your return.
Which states take the least from a paycheck?
Nine states levy no income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Federal tax and FICA still apply everywhere, and Washington deducts employee-paid leave levies.
Federal: IRS 2026 brackets (Rev. Proc. 2025-32) · FICA: IRS Topic 751 · Wage base: SSA. Rates current as of July 16, 2026. Annual-liability estimates, not payroll withholding — see methodology.