How much will you actually take home?
Free paycheck and tax calculators for all 50 states and DC — federal, state, local, Social Security and Medicare, including the new 2026 overtime and tip deductions. Nothing you enter leaves your browser.
| Bi-weekly | Annual | |
|---|---|---|
| Gross pay | $2,307.69 | $60,000 |
| Federal income tax | -$193.08 | -$5,020 |
| Social Security (6.2%) | -$143.08 | -$3,720 |
| Medicare | -$33.46 | -$870 |
| California income tax | -$60.50 | -$1,573 |
| State Disability Insurance (SDI, incl. Paid Family Leave) | -$30.00 | -$780 |
| Take-home pay | $1,847.57 | $48,037 |
- Take-home $48,037 80.1%
- Federal income tax $5,020 8.4%
- Social Security $3,720 6.2%
- Medicare $870 1.5%
- State tax $2,353 3.9%
Take-home pay vs. taxes at every income level in California
- Take-home pay
- Total taxes
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Pick your state
- Alabama (AL)Top 5.00% (2026)
- Alaska (AK)No income tax
- Arizona (AZ)Flat 2.50% (2026)
- Arkansas (AR)Top 3.90% (2026)
- California (CA)Top 13.30% (2026)
- Colorado (CO)Flat 4.40% (2026)
- Connecticut (CT)Top 6.99% (2026)
- Delaware (DE)Top 6.60% (2026)
- District of Columbia (DC)Top 10.75% (2026)
- Florida (FL)No income tax
- Georgia (GA)Flat 4.99% (2026)
- Hawaii (HI)Top 11.00% (2026)
- Idaho (ID)Flat 5.30% (2026)
- Illinois (IL)Flat 4.95% (2026)
- Indiana (IN)Flat 2.95% (2026)
- Iowa (IA)Flat 3.80% (2026)
- Kansas (KS)Top 5.58% (2026)
- Kentucky (KY)Flat 3.50% (2026)
- Louisiana (LA)Flat 3.00% (2026)
- Maine (ME)Top 9.15% (2026)
- Maryland (MD)Top 6.50% (2026)
- Massachusetts (MA)Flat 9.00% (2026)
- Michigan (MI)Flat 4.25% (2026)
- Minnesota (MN)Top 9.85% (2026)
- Mississippi (MS)Flat 4.00% (2026)
- Missouri (MO)Top 4.70% (2026)
- Montana (MT)Top 5.65% (2026)
- Nebraska (NE)Top 4.55% (2026)
- Nevada (NV)No income tax
- New Hampshire (NH)No income tax
- New Jersey (NJ)Top 10.75% (2026)
- New Mexico (NM)Top 5.90% (2026)
- New York (NY)Top 10.90% (2026)
- North Carolina (NC)Flat 3.99% (2026)
- North Dakota (ND)Top 2.50% (2026)
- Ohio (OH)Flat 2.75% (2026)
- Oklahoma (OK)Top 4.50% (2026)
- Oregon (OR)Top 9.90% (2026)
- Pennsylvania (PA)Flat 3.07% (2026)
- Rhode Island (RI)Top 5.99% (2026)
- South Carolina (SC)Top 5.21% (2026)
- South Dakota (SD)No income tax
- Tennessee (TN)No income tax
- Texas (TX)No income tax
- Utah (UT)Flat 4.45% (2026)
- Vermont (VT)Top 8.75% (2026)
- Virginia (VA)Top 5.75% (2026)
- Washington State (WA)No income tax
- West Virginia (WV)Top 4.58% (2026)
- Wisconsin (WI)Top 7.65% (2026)
- Wyoming (WY)No income tax
Same $75,000 salary, very different paychecks
Take-home pay for a single filer in 2026: the five highest and five lowest states.
Popular calculators
- Federal income tax2026 brackets 10%–37%
- 1099 / self-employment tax15.3% SE tax + quarterly
- No tax on overtimeUp to $12,500 deduction
- Tax refund estimatorRefund or amount owed
- Salary ↔ hourly2,080-hour year
- Capital gains tax0% / 15% / 20%
- Reverse sales taxRemove tax from a total
- Compare states & countriesUS vs UK, Canada, Australia…
Hourly and salary conversions
Convert any hourly wage to a yearly salary or back — with after-tax pay by state — in the hourly to salary calculator.
- $15 an hour$31,200 a year
- $18 an hour$37,440 a year
- $20 an hour$41,600 a year
- $22 an hour$45,760 a year
- $25 an hour$52,000 a year
- $28 an hour$58,240 a year
- $30 an hour$62,400 a year
- $35 an hour$72,800 a year
- $40 an hour$83,200 a year
- $45 an hour$93,600 a year
- $40,000 a year$19.23 an hour
- $45,000 a year$21.63 an hour
- $50,000 a year$24.04 an hour
- $55,000 a year$26.44 an hour
- $60,000 a year$28.85 an hour
- $65,000 a year$31.25 an hour
- $70,000 a year$33.65 an hour
- $75,000 a year$36.06 an hour
- $80,000 a year$38.46 an hour
- $100,000 a year$48.08 an hour
2026 tax facts
- For 2026, Social Security tax of 6.2% applies to wages up to $184,500, up from $176,100 in 2025.
- Medicare tax of 1.45% applies to all wages with no cap, plus a 0.9% Additional Medicare Tax on wages above $200,000 ($250,000 for married couples filing jointly).
- The 2026 standard deduction is $16,100 for single filers, $32,200 for married couples filing jointly, and $24,150 for heads of household.
- The seven federal income tax rates of 10%, 12%, 22%, 24%, 32%, 35% and 37% were made permanent by the One, Big, Beautiful Bill Act.
- In 2026 the 37% top rate applies to taxable income over $640,600 for single filers and over $768,700 for married couples filing jointly.
- The Child Tax Credit is $2,200 per qualifying child for 2026, of which up to $1,700 is refundable.
- Workers can deduct up to $25,000 of qualified tips and up to $12,500 ($25,000 joint) of qualified overtime premium pay for 2025 through 2028.
- Taxpayers age 65 and older can claim an extra $6,000 deduction for 2025 through 2028, phasing out above $75,000 of MAGI ($150,000 joint).
Guides
- Federal Income Tax Brackets 2026 (and 2025)
- What Is Federal Withholding? FITW, FIT Tax and Fed W/H Explained
- Gross Pay vs Net Pay: What Comes Out in Between
- How to Calculate Annual Income: Formulas and Examples
- Effective Tax Rate vs Marginal Tax Rate (2026 Examples)
- Self-Employment Tax Explained: How 1099 Taxes Work in 2026
- How Many Allowances Should I Claim? Filling Out the 2026 W-4
- Tax Refund Schedule 2026: When Will I Get My Refund?
- Fact Check: Is There a $3,000 IRS Tax Refund Schedule?
- No Tax on Overtime Explained: Who Qualifies and How Much You Save
- No Tax on Tips Explained: Who Qualifies and How to Claim It
- How Much Do You Have to Make to File Taxes?
What changed between 2025 and 2026
Most federal amounts rise each year with inflation. These are the changes that move a typical paycheck for 2026:
| Item | 2025 | 2026 |
|---|---|---|
| Standard deduction (single) | $15,750 | $16,100 |
| Standard deduction (married joint) | $31,500 | $32,200 |
| Top of the 12% bracket (single) | $48,475 | $50,400 |
| Social Security wage base | $176,100 | $184,500 |
| 401(k) employee limit | $23,500 | $24,500 |
| IRA limit | $7,000 | $7,500 |
| HSA limit (self / family) | $4,300 / $8,550 | $4,400 / $8,750 |
| Maximum EITC (3+ children) | $8,046 | $8,231 |
Four layers of tax on a US paycheck
Every US paycheck can lose money to up to four levels of tax, and the calculators show each one separately. Federal income tax is progressive and depends on your W-4. Social Security (6.2%) and Medicare (1.45%) are flat payroll taxes. 41 states plus DC tax wages, 16 of them at a single flat rate. And in some places — New York City, Philadelphia, Ohio and Pennsylvania municipalities, Maryland counties — a local wage tax comes on top.
Several states also take a payroll contribution for disability or paid-leave insurance: Alaska, California, Colorado, Connecticut, Delaware, Hawaii, Maine, Massachusetts, Minnesota, New Jersey, New York, Oregon, Pennsylvania, Rhode Island, Washington. These are small percentages but appear on every pay stub.
Frequently asked questions
Are these calculators free and private?
Yes. They are free, need no sign-up, and every calculation runs in your browser.
How accurate are the 2026 figures?
They use the 2026 IRS brackets and standard deduction ($16,100 single), the $184,500 Social Security wage base, and each state's published 2026 rates. Results are estimates; your exact withholding depends on your W-4.
Which state has the highest take-home pay?
On a $75,000 salary, Florida leaves the most ($61,593), and Oregon the least ($55,338) — a 8.3% difference.
Did the standard deduction go up for 2026?
Yes: to $16,100 for single filers (from $15,750) and $32,200 for married couples filing jointly (from $31,500).
Which states have no income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming.
Sources
Figures are taken from official government publications and were last reviewed on 2026-10-03.