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Enter your salary or hourly wage, how often you get paid and your filing status. The calculator shows your net pay per paycheck and where every dollar goes.
How much will I take home?
2026 federal brackets and standard deduction, Social Security wage base of $184,500. State tax is a flat estimate of the rate you enter. This is an estimate, not tax advice.
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Paycheck calculator: what it is for
The paycheck calculator turns your gross salary into take-home pay. It subtracts federal income tax using the 2026 brackets, Social Security, Medicare, your state income tax rate and your 401(k) contribution, for weekly, biweekly, semimonthly or monthly pay.
Use it to understand your pay stub or to compare job offers.
How to use
- Enter your yearly salary and pay frequency.
- Choose your filing status and state tax rate.
- Add your 401(k) contribution to see your net pay.
When to use it
- Checking your pay stub.
- Comparing job offers.
- Budgeting with your real take-home pay.
Frequently asked questions
What is taken out of a paycheck?
Federal income tax, Social Security (6.2% up to the yearly wage base), Medicare (1.45%, plus 0.9% on wages above $200,000), state and local income tax where it applies, and pre-tax deductions such as 401(k) contributions and health insurance.
Why is my real paycheck different?
Your employer withholds based on your W-4, benefits, local taxes and other deductions. This calculator gives an estimate of the yearly tax split evenly across your paychecks; the exact amount is on your pay stub.
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming have no tax on wages. Set the state tax rate to 0 if you live in one of them.
Is it really free?
Yes, 100% free. No sign-up, no subscription and no usage limits. All Tools123 tools are free and run right in your browser.