Take-Home Pay Calculator

Find out exactly what lands in your bank account. Enter your gross pay, how often you are paid, your filing status and your state — this calculator applies the 2026 federal brackets, your state's 2026 income tax, Social Security (6.2% up to $184,500) and Medicare (1.45%), and shows your take-home pay per paycheck, per month and per year.

Gross pay per pay period — before taxes

How often are you paid?

Filing status

State

401(k) per paycheck — optional, $0 if none

Health insurance per paycheck — optional, $0 if none

Estimate only, not tax advice. Uses 2026 federal brackets and the 2026 standard deduction ($16,100 single / $32,200 married). Pre-tax 401(k) and health-insurance deductions reduce income tax; health premiums also reduce FICA, 401(k) does not. Dependents and tax credits are not included in this estimate.

Your estimated take-home pay per paycheck

$0.00

Monthly: $0.00 · Annual: $0.00

Deduction	Per paycheck
Gross pay	$0.00
Federal income tax	$0.00
State tax	$0.00
Social Security (6.2%)	$0.00
Medicare (1.45%)	$0.00
Pre-tax deductions (401k + health)	$0.00
Total deductions	$0.00
Take-home pay	$0.00

Frequently asked questions

What is take-home pay?

Take-home pay (net pay) is what is left after federal income tax, state income tax, Social Security, Medicare and any pre-tax deductions such as 401(k) and health insurance are taken out of your gross pay.

How is this different from the main paycheck calculator?

It is the same calculation — this page is the plain take-home version, so you can find it directly. Pick your state below; every state page on this site runs the same 2026 math.

Why does my take-home pay differ from my pay stub?

Your employer may withhold differently (allowances, extra withholding, bonuses, overtime), and local taxes, garnishments, union dues and other deductions are not included here. Use this as a planning estimate, not a pay-stub replacement.

Which states have no income tax?

Nine states tax no wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Pick one of those states below and the state tax line will be $0.

Paycheck calculators by state

California Paycheck CalculatorCalifornia has a progressive income tax from 1% to 12.3%, plus a 1% surtax on taxable inco… Texas Paycheck CalculatorTexas has no state income tax. Your paycheck is reduced only by federal income tax, Social… Florida Paycheck CalculatorFlorida has no state income tax. Your paycheck is reduced only by federal income tax, Soci… New York Paycheck CalculatorNew York taxes income at nine progressive rates from 3.9% to 10.9% in 2026. The five lowes… Pennsylvania Paycheck CalculatorPennsylvania charges a flat 3.07% state income tax on wages, with no standard deduction. N… Illinois Paycheck CalculatorIllinois charges a flat 4.95% state income tax on taxable income, after a $2,925 personal … Ohio Paycheck CalculatorOhio switched to a flat 2.75% income tax for 2026 (new for 2026), applied to income above … Georgia Paycheck CalculatorGeorgia switched to a flat 4.99% income tax for 2026 (HB 463, signed May 2026), down from … North Carolina Paycheck CalculatorNorth Carolina charges a flat 3.99% income tax for 2026, down from 4.25% in 2025. The stan… Alabama Paycheck CalculatorAlabama taxes income at 2%, 4% and 5% — the 5% top rate starts at just $3,000 of taxable i… Alaska Paycheck CalculatorAlaska has no state income tax. Your paycheck is reduced only by federal income tax, Socia… Arizona Paycheck CalculatorArizona charges a flat 2.5% income tax — the lowest flat rate in the US — after a $15,750 … Arkansas Paycheck CalculatorArkansas taxes income at 2% to $4,600 and 3.7% above for 2026, after a $2,470 standard ded… Colorado Paycheck CalculatorColorado charges a flat 4.4% income tax, using the federal standard deduction ($16,100 sin… Connecticut Paycheck CalculatorConnecticut taxes income at seven progressive rates from 2% to 6.99%, after a $15,000 pers… Delaware Paycheck CalculatorDelaware taxes income at rates from 0% to 6.6% — the first $2,000 is tax-free — after a $3… Hawaii Paycheck CalculatorHawaii taxes income at twelve rates from 1.4% to 11% — the second-highest top rate in the … Idaho Paycheck CalculatorIdaho charges a flat 5.3% income tax — the highest flat rate in the US — after the federal… Indiana Paycheck CalculatorIndiana charges a flat 2.95% income tax for 2026 (down from 3.00%), after a $1,000 persona… Iowa Paycheck CalculatorIowa charges a flat 3.8% income tax, using the federal standard deduction ($16,100 single … Kansas Paycheck CalculatorKansas taxes income at 5.2% to $23,000 and 5.58% above ($46,000 married), after a $3,605 s… Kentucky Paycheck CalculatorKentucky charges a flat 3.5% income tax for 2026 (down from 4%), after a $3,360 standard d… Louisiana Paycheck CalculatorLouisiana charges a flat 3% income tax after a $12,875 standard deduction ($25,750 married… Maine Paycheck CalculatorMaine taxes income at 5.8%, 6.75% and 7.15%, plus a new 2% surcharge above $1 million ($1.… Maryland Paycheck CalculatorMaryland taxes income at ten rates from 2% to 6.5%. Counties add a separate local income t… Massachusetts Paycheck CalculatorMassachusetts charges a flat 5% income tax, plus a 4% surtax on taxable income above $1,10… Michigan Paycheck CalculatorMichigan charges a flat 4.25% income tax after a $5,900 personal exemption ($11,800 marrie… Minnesota Paycheck CalculatorMinnesota taxes income at 5.35%, 6.8%, 7.85% and 9.85% after a $15,300 standard deduction … Mississippi Paycheck CalculatorMississippi charges 4% — but only on taxable income above $10,000. The first $10,000 is ta… Missouri Paycheck CalculatorMissouri taxes income at eight rates from 0% to 4.7%, using the federal standard deduction… Montana Paycheck CalculatorMontana taxes income at 4.7% to $47,500 and 5.65% above ($95,000 married), using the feder… Nebraska Paycheck CalculatorNebraska taxes income at 2.46%, 3.51% and 4.55% after an $8,850 standard deduction ($17,70… Nevada Paycheck CalculatorNevada has no state income tax. Your paycheck is reduced only by federal income tax, Socia… New Hampshire Paycheck CalculatorNew Hampshire has no tax on wages. Its tax on interest and dividends was repealed for tax … New Jersey Paycheck CalculatorNew Jersey taxes income at seven rates from 1.4% to 10.75% after a $1,000 personal exempti… New Mexico Paycheck CalculatorNew Mexico taxes income at six rates from 1.5% to 5.9%, using the federal standard deducti… North Dakota Paycheck CalculatorNorth Dakota taxes income at 0% to $48,475, then 1.95% to $244,825 and 2.5% above ($80,975… Oklahoma Paycheck CalculatorOklahoma taxes income at 2.5%, 3.5% and 4.5% — the first $3,750 ($7,500 married) is tax-fr… Oregon Paycheck CalculatorOregon taxes income at 4.75%, 6.75%, 8.75% and 9.9% after a $2,910 standard deduction ($5,… Rhode Island Paycheck CalculatorRhode Island taxes income at 3.75%, 4.75% and 5.99% after an $11,200 standard deduction ($… South Carolina Paycheck CalculatorSouth Carolina charges 1.99% on taxable income to $30,000 and 5.21% above for 2026 (H.4216… South Dakota Paycheck CalculatorSouth Dakota has no state income tax. Your paycheck is reduced only by federal income tax,… Tennessee Paycheck CalculatorTennessee has no state income tax. Your paycheck is reduced only by federal income tax, So… Utah Paycheck CalculatorUtah charges a flat 4.45% income tax for 2026 (cut from 4.5%). Utah gives a taxpayer credi… Vermont Paycheck CalculatorVermont taxes income at 3.35%, 6.6%, 7.6% and 8.75% after a $7,650 standard deduction ($15… Virginia Paycheck CalculatorVirginia taxes income at 2%, 3%, 5% and 5.75% — the top rate starts at $17,000 — after an … Washington Paycheck CalculatorWashington has no state income tax on wages. Its 7% capital gains excise tax applies only … West Virginia Paycheck CalculatorWest Virginia taxes income at 2.11%, 2.81%, 3.16%, 4.22% and 4.58% for 2026 (SB 392 cut ev… Wisconsin Paycheck CalculatorWisconsin taxes income at 3.5%, 4.4%, 5.3% and 7.65% after a $13,960 standard deduction ($… Wyoming Paycheck CalculatorWyoming has no state income tax. Your paycheck is reduced only by federal income tax, Soci…

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