Paycheck Calculator
for every U.S. state.
Enter a salary or hourly wage and see your real take-home pay after federal income tax, Social Security, Medicare, and state taxes — in any state, down to the dollar.
Your details
Pick a state and adjust any field — results update instantly.
Texas take-home pay
$1,784 / 2 weeks
$46,373 per year after taxes
| Gross pay | $2,115 |
| Federal income tax | −$170 |
| Social Security | −$131 |
| Medicare | −$31 |
| Take-home pay | $1,784 |
Close, not exact. This spreads your yearly tax evenly across your checks — your employer withholds one check at a time, which is why a big overtime week gets hit harder and then evens out when you file. What else changes my check?
Working every day and still not getting ahead?
There’s a second number — the one that comes from something you own instead of something you rent. Six minutes, no hype, nothing to buy.
What comes out of your paycheck
Four things stand between your gross pay and your take-home pay. Here is exactly what this calculator accounts for.
Federal income tax
Seven brackets from 10% to 37%, applied after the 2026 standard deduction ($16,100 single / $32,200 joint).
Social Security & Medicare
Social Security is 6.2% up to $184,500 of wages; Medicare is 1.45% on everything, plus 0.9% over $200,000.
State income tax
From 0% in nine no-tax states to graduated rates elsewhere. We include the deductions and credits each state allows.
Local & payroll add-ons
City taxes like New York City and Birmingham, plus payroll items such as California’s SDI — handled automatically.
Paycheck calculators for every state
Jump straight to your state’s dedicated paycheck calculator. New states are added regularly.
Don’t see your state? It’s already selectable in the calculator above — federal & FICA now, full state tax coming soon.
Free · nothing for sale
Tired of working every day and feeling like you’re going nowhere?
You’re not lazy and you’re not bad with money. A paycheck is rent on your hours — and there’s a hard limit on how many hours you have.
You can negotiate the rate. You can rent out more hours — that’s what overtime is. But there are 168 hours in a week and you sleep about 56 of them, so the ceiling doesn’t move no matter how good you get.
The other way people earn is by building something once that keeps working after they walk away from it — the same way a rental property does, except online and without the down payment. That’s worth understanding before you decide it isn’t for you.
Show me how that worksNo income screenshots. Nothing to buy. Six minutes.
Frequently asked questions
How do I calculate my take-home pay?+
Choose your state, enter your gross salary or hourly wage, and the calculator subtracts federal income tax, Social Security (6.2%), Medicare (1.45%), and your state income tax. Pre-tax deductions like a 401(k) or health insurance lower your taxable income first.
Which states have no income tax?+
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming do not tax wage income — so take-home pay is higher there for the same salary.
Does the calculator include city taxes?+
Yes, where they apply. It handles New York City’s resident tax, Alabama’s city occupational taxes, and California’s SDI payroll deduction. Several states also have local taxes (Ohio, Pennsylvania, Maryland, Indiana) noted on each state’s page.
Why is my real paycheck different from this?+
Two reasons. First, this works out what you owe for the year and spreads it evenly across your checks — your employer instead uses IRS withholding tables that look at one check at a time and assume you will earn that much every pay period all year. That is why a big overtime week gets over-withheld and a light week gets under-withheld; it evens out when you file. Second, your check can include things this cannot see: a W-4 you filled out years ago, garnishments, union dues, HSA or life insurance premiums, or a local tax your city adds.
How are dependents counted?+
Each dependent is treated as a qualifying child under 17, worth a $2,200 federal child tax credit for 2026. A dependent aged 17 or older is worth $500 instead, so if that is your situation your real number will land a little lower than what is shown. The credit also phases out above $200,000 of income for single filers and $400,000 for joint filers. Some states give an additional exemption or credit per dependent; many do not.
How accurate is it?+
It uses 2026 federal figures and 2025 state figures and assumes the standard deduction. It’s a strong estimate for planning — not an official tax filing. For your exact situation, confirm with a tax professional.