Paycheck Calculator by State
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Select Your State
Choose your state from the directory or use the search bar. Each state has a dedicated calculator that automatically applies your state's income tax rate.
Enter Your Pay Details
Input your gross pay per period and select your pay frequency — weekly, bi-weekly, semi-monthly, or monthly. Then choose your filing status.
Add Pre-Tax Deductions
Enter any 401(k) contributions or health insurance premiums. These reduce your taxable income, which lowers your federal and state tax withholding.
See Your Results Instantly
Your estimated take-home pay updates in real time — no button to click. You'll see a full breakdown of federal tax, FICA, state tax, and net pay per paycheck and annually.
Override Tax Rates (Optional)
Use the Advanced panel to override any default 2026 tax rate — Social Security, Medicare, state rate, or standard deduction — if your situation differs from the defaults.
Frequently Asked Questions (US Pay check Calculator)
1. How is federal income tax calculated on my paycheck?
Federal income tax is withheld using the IRS Publication 15-T 2026 Percentage Method. Your gross pay is annualized, the standard deduction is subtracted, and the result is taxed across marginal brackets ranging from 10% to 37%.
2. Which states have no income tax?
Nine states have no state income tax in 2026:
• Alaska
• Florida
• Nevada
• New Hampshire
• South Dakota
• Tennessee
• Texas
• Washington
• Wyoming
If you select any of these states, your state tax will show as $0.
3. What is the difference between gross pay and take-home pay?
Gross pay is your earnings before any deductions. Take-home pay — also called net pay — is what you actually receive after:
• Federal tax
• State tax
• Social Security
• Medicare
• Any pre-tax deductions
4. How do pre-tax deductions like 401(k) affect my paycheck?
5. How accurate is this paycheck calculator?
6. How often are the tax rates updated?
Tax rates are updated annually on January 1st to reflect the latest IRS and state tax changes. All rates in this calculator reflect the 2026 tax year.
Disclaimer:
Last updated: January 2026
This calculator provides estimates based on current federal and state tax rates and is intended for informational purposes only. It does not account for all possible deductions, credits, or local taxes that may apply to your specific situation. For tax advice tailored to your specific circumstances, consult a qualified tax professional or the IRS.
