2026 IRS Rates · Federal + All 50 States

Calculate your take-home pay.

Enter your salary and get an accurate breakdown of federal taxes, FICA, and state deductions. See exactly how much you'll keep from every paycheck. No signup. No data stored.

2026 IRS brackets Social Security & Medicare All 50 state tax rates Instant results
Federal Tax — Free 2026 Rates All 50 States — Pro
Your pay details
$
Before any deductions
Unlock Pro for all 50 state tax rates
$
401k, health insurance, HSA, etc.
$
Roth, garnishments, etc.
$
Extra federal tax per period
Your Pay Breakdown
Estimated Take-Home
$0
per month
$0 / year

Pay Breakdown

Gross Pay $0
Pre-Tax Deductions −$0
Federal Income Tax −$0
Social Security (6.2%) −$0
Medicare (1.45%) −$0
Post-Tax Deductions −$0
Extra Withholding −$0
Net Take-Home $0

Where your money goes

Take-Home—
Federal Tax—
FICA (SS + Medicare)—
Want more paycheck tools?
Paycheck Pro (Job compare, Bonus & OT, 401k optimizer, Raise) Mortgage Pro Toolkit (Extra payments, Refi, Affordability) Capital Gain Pro (All 50 states, Multi-stock netting)
$25 one-time
Frequently Asked Questions
Everything you need to know about paycheck and take-home pay calculations.
Federal income tax uses 2026 IRS progressive brackets. Only income above each threshold is taxed at the higher rate. For example, if you're in the 22% bracket, you don't pay 22% on everything — just on the portion that falls within that bracket. The calculator also accounts for your standard deduction before applying brackets.
These are FICA taxes. Social Security is 6.2% on wages up to $176,100 (2026 wage base). Medicare is 1.45% with no cap, plus an extra 0.9% if you earn over $200,000 (single) or $250,000 (married). Your employer matches both at the same rate.
Pre-tax deductions like 401(k) contributions, health insurance premiums, FSA/HSA, and other employer benefits reduce your taxable income before federal and state taxes are calculated — lowering how much you owe. Enter the per-paycheck amount.
This calculator uses official 2026 IRS tax brackets and standard deductions. It provides a close estimate for most W-2 employees. It does not account for tax credits, AMT, investment income, multiple jobs, or complex situations. Always verify with a qualified payroll professional or CPA.
For 2026, the standard deduction is $15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household. The calculator applies this annually before computing your marginal tax liability.
Guides & Resources

Master Your Paycheck

Everything you need to know about take-home pay, tax withholding, FICA taxes, pre-tax savings strategies, and comparing job offers.

Basics

How to Read Your Paycheck: Every Line Item Explained (2026)

Confused by your pay stub? We decode every line — gross pay, federal tax, FICA, state tax, pre-tax deductions, and net pay — with real 2026 examples.

In this guide
  1. Gross vs. Net pay explained
  2. Federal income tax withholding
  3. Social Security & Medicare lines
  4. Pre-tax vs. post-tax deductions
Read full guide ›
Withholding

Federal Income Tax Withholding Explained: W-4 & 2026 Brackets

How does federal withholding actually work? Learn the 2026 IRS brackets, what every W-4 step does, and how to avoid a surprise tax bill or overpayment.

In this guide
  1. How withholding is calculated
  2. 2026 federal tax brackets table
  3. W-4 form: step-by-step
  4. When to update your W-4
Read full guide ›
Tax Strategy

How to Legally Reduce Taxes on Your Paycheck (2026 Guide)

Legal strategies — 401(k), HSA, FSA, commuter benefits, and W-4 adjustments — that reduce your taxable income and put more money in every paycheck.

In this guide
  1. The pre-tax principle
  2. 401(k) & 403(b) limits for 2026
  3. HSA triple tax advantage
  4. FSA & commuter benefits
Read full guide ›
FICA Taxes

Social Security & Medicare Taxes: What Every Worker Needs to Know (2026)

FICA taxes fund your future retirement and healthcare. Learn the 2026 rates, the $176,100 SS wage cap, the Additional Medicare surcharge, and what self-employed workers pay.

In this guide
  1. 2026 FICA rates table
  2. Social Security wage base
  3. Additional Medicare Tax
  4. Self-employed SE tax
Read full guide ›
Job Comparison

Salary vs. Hourly: Which Puts More Money in Your Pocket After Taxes?

A $32/hr rate vs. a $65,000 salary — which really wins? We break down taxes, overtime eligibility, benefits, and total compensation with a real 2026 worked example.

In this guide
  1. Converting salary to hourly
  2. Overtime rules (FLSA)
  3. The benefits gap
  4. Worked example with taxes
Read full guide ›
All 50 States + D.C.

Take-Home Pay by State

Select your state to see 2026 take-home pay estimates, income tax brackets, and strategies to keep more of every paycheck.

51 states
AlabamaState income tax5% top rate AlaskaNo state income tax0% ArizonaState income tax2.5% flat ArkansasState income tax3.9% top rate CaliforniaState income tax13.3% top rate ColoradoState income tax4.4% flat ConnecticutState income tax6.99% top rate DelawareState income tax6.6% top rate FloridaNo state income tax0% GeorgiaState income tax5.19% flat HawaiiState income tax11% top rate IdahoState income tax5.3% flat IllinoisState income tax4.95% flat IndianaState income tax2.95% flat IowaState income tax3.8% flat KansasState income tax5.58% top rate KentuckyState income tax3.5% flat LouisianaState income tax3% flat MaineState income tax7.15% top rate MarylandState + local tax5.75% + local MassachusettsState income tax5% flat MichiganState income tax4.25% flat MinnesotaState income tax9.85% top rate MississippiState income tax4.7% flat MissouriState income tax4.7% top rate MontanaState income tax5.65% top rate NebraskaState income tax4.55% top rate NevadaNo state income tax0% New HampshireNo tax on wages0% New JerseyState income tax10.75% top rate New MexicoState income tax5.9% top rate New YorkState income tax10.9% top rate North CarolinaState income tax3.99% flat North DakotaState income tax2.5% top rate OhioState + local tax3.75% top rate OklahomaState income tax4.5% top rate OregonState income tax9.9% top rate PennsylvaniaState income tax3.07% flat Rhode IslandState income tax5.99% top rate South CarolinaState income tax6% top rate South DakotaNo state income tax0% TennesseeNo state income tax0% TexasNo state income tax0% UtahState income tax4.55% flat VermontState income tax8.75% top rate VirginiaState income tax5.75% top rate WashingtonNo income tax on wages0% Washington D.C.District income tax10.75% top rate West VirginiaState income tax4.82% top rate WisconsinState income tax7.65% top rate WyomingNo state income tax0%