PayCalcUSA is a free set of paycheck calculators that show you exactly how much of your pay you keep — after federal income tax, state income tax, Social Security and Medicare — per paycheck, per month and per year.
What we do
Enter your gross pay, how often you are paid, your filing status and your state, and the calculator applies the 2026 federal tax brackets, the 2026 standard deduction ($16,100 single / $32,200 married filing jointly), Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%), plus your state's 2026 income tax. Every state has its own page with its own 2026 brackets, from California's 13.3% top rate to the nine states with no income tax at all.
Where the numbers come from
All rates are checked against primary sources: IRS Revenue Procedure 2025-32 for federal brackets and the standard deduction, the Social Security Administration 2026 COLA fact sheet, the Tax Foundation's State Individual Income Tax Rates and Brackets 2026, and each state's department of revenue. Where a state changed its law during 2026 — Ohio's flat 2.75%, Georgia's flat 4.99%, North Carolina's 3.99%, South Carolina's rewrite, Arkansas's 3.7% and West Virginia's rate cuts — the calculator uses the new law.
Your privacy
Every calculation happens in your browser. Nothing you type is sent to a server, stored or shared. See our privacy policy for details.
Estimates only
These calculators give planning estimates, not tax advice. Your employer may withhold differently, and local taxes, garnishments and other deductions are not included. If you need advice for your situation, talk to a qualified tax professional.