Paycheck Calculator
Enter your gross pay, pay frequency, filing status, and state to estimate your take-home pay and see every deduction.
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| Gross pay | $2,500.00 |
| Federal income tax | −$216.15 |
| Social Security (6.2%) | −$155.00 |
| Medicare (1.45%) | −$36.25 |
| State income tax (CA) | −$150.00 |
| 401(k) contribution | −$0.00 |
| Net pay | $1,942.60 |
Estimate using 2026 federal brackets and standard deduction, 2026 Social Security wage base, and approximate state rates (statutory for flat-tax states, typical effective for progressive ones). Local taxes, credits, and your W-4 elections can change actual withholding.
This tool is for informational and estimation purposes only; it does not constitute legal, financial, or tax advice. Results may change based on current regulations; for exact, binding calculations, consult the relevant official authority, accountant, or lawyer.
How to Use
- 1Enter your gross pay per paycheck and how often you're paid.
- 2Pick your filing status and state (adjust the state rate if needed).
- 3Add your 401(k) contribution to see your net pay and full breakdown.
Frequently Asked Questions
How is federal withholding estimated?
Your per-paycheck pay is annualized, pre-tax 401(k) contributions and the 2026 standard deduction are subtracted, and the 2026 federal tax brackets are applied, then divided back per paycheck.
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming don't tax wages.
Why is the state rate editable?
Many states use progressive brackets and local taxes, so a single rate is an approximation — enter your own effective rate for a closer estimate.