Know exactly what you'll take home.
Enter your salary or hourly wage and see every dollar of your paycheck: federal tax, Social Security, Medicare, your state's tax and the deductions you choose. Free for all 50 states.
- 2026 IRS brackets
- All 50 states
- Sources on every page
- Private: runs in your browser
- Gross pay$2,307.69
- Federal income tax−$193.08
- Social Security−$143.08
- Medicare−$33.46
- Arkansas income tax−$81.82
Standard withholding, no pre-tax deductions. Your numbers will differ: try the calculator below.
Quick paycheck calculator
Change any field and your results update instantly.
Your take-home pay
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Estimate for 2026 using IRS standard withholding for a 2020 or later Form W-4 and 2026 state rates. Not official payroll withholding or tax advice. How we calculate
How PaycheckHubs works
From gross pay to take-home in four steps
The same order your employer's payroll uses. Here it is for a $60,000 salary in Arkansas, paid bi-weekly, with 5% to a 401(k) and $75 for health insurance.
- 1
Start with gross pay
Salary divided by paychecks per year, or hourly rate times hours.
$2,307.69 - 2
Take out pre-tax deductions
401(k), HSA and health premiums come out first and lower taxable pay.
−$190.38 - 3
Subtract taxes
Federal income tax, Social Security, Medicare, then state and local tax.
−$415.42 What lands in your account
Your net pay, after any after-tax deductions.
$1,701.89
- Take-home $1,701.89
- Federal tax $170.23
- Social Security $138.43
- Medicare $32.37
- State tax $74.39
- 401(k) + health $190.38
Popular state calculators
The same salary, very different paychecks
Yearly take-home pay on a $60,000 salary for a single filer in eight popular states. Open a state for its full 2026 breakdown.
Browse all states
Find your state on the map
Pick your state on the map for a calculator set to its 2026 rates, deductions and local taxes.
- No income tax on wages
- Flat rate
- Graduated brackets
Jump to a state
Popular salary calculators
What common salaries take home in 2026
Single filer, paid bi-weekly, no pre-tax deductions, before any state income tax. Tap a salary to run it with your state.
Federal tax information
The 2026 federal numbers behind every paycheck
These apply in every state. Brackets are marginal: each rate only applies to the slice of taxable income inside that bracket.
Single filer, taxable income after the standard deduction. For married couples filing jointly, most brackets are twice as wide. See all filing statuses
State tax information
Three kinds of state tax systems
After federal taxes, your state decides the rest. Here is how the 50 states split for 2026.
No income tax on wages
Only federal income tax, Social Security and Medicare come out, plus any state payroll programs.
One flat rate
Everyone pays the same rate on taxable income, from 2.5% to 5.3% depending on the state.
Graduated brackets
Like the federal system: higher slices of income are taxed at higher rates.
Tax guides
Understand every line of withholding
Federal income tax, FICA, state taxes and W-4 choices, explained with 2026 figures and worked examples.
Understanding Federal Income Tax Brackets for 2026
The 2026 federal brackets run from 10% to 37%. Here are the thresholds for each filing status and how they apply to…
What Is FICA Tax?
FICA is the Social Security and Medicare tax taken from every paycheck: 7.65% for most employees in 2026, with an equal employer…
How to Fill Out a W-4, Step by Step
A plain walkthrough of each step on the W-4, what to enter, what to skip, and how each line changes the federal…
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How to Read Your Pay Stub
A line-by-line guide to your pay stub, with a sample Illinois stub showing how gross pay becomes net pay.
States With No Income Tax in 2026
The nine states that don't tax wages in 2026, what still comes out of your paycheck there, and how much more you…
What Is a 401(k) Contribution and How Does It Affect Take-Home Pay?
A traditional 401(k) contribution lowers your income tax, so your take-home pay falls by less than the amount you put in.
Pre-Tax vs After-Tax Deductions
Pre-tax deductions lower the wages your taxes are figured on, while after-tax deductions come out of pay that has already been taxed.
How to Build a Budget Around Your Take-Home Pay
Your budget should start from the money that actually lands in your account. Here is how to find that number and plan…
Living in One State and Working in Another: How Taxes Work
How state income tax works when you live in one state and work in another, including credits, reciprocity and no-tax states.
Why use PaycheckHubs
Built to be checked, not just trusted
A paycheck estimate is only useful if you can see how it was made. Every figure we use is published with its source, and the calculator tells you plainly when something is an estimate or not included.
Current to 2026
IRS brackets, standard deductions, the Social Security wage base and each state's 2026 rates.
Sources you can open
IRS publications, SSA figures and state tax tables, linked on every state page.
Private by design
The math runs in your browser. Your salary is never sent to us or stored.
Honest about limits
Where a state has rules we estimate, we label it, and we list anything not yet included.
How accurate is the paycheck calculator?
It follows the IRS standard withholding method for 2026 and each state's 2026 rates, deductions and exemptions. A few states are labeled as estimates where they have extra rules, and the results tell you when something isn't included. Your actual paycheck can still differ because of your W-4 entries, benefits and your employer's payroll settings.
Which states have no income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Paychecks there still have federal income tax, Social Security and Medicare withheld, and Washington withholds a WA Cares contribution.
Why is my take-home pay lower than my salary divided by paychecks?
Gross pay is reduced by federal income tax, Social Security (6.2%), Medicare (1.45%), any state and local income tax, and deductions such as a 401(k) or health insurance. For a single worker earning $60,000 in a state without income tax, taxes alone take about 16% of gross pay.
What is the difference between bi-weekly and semi-monthly pay?
Bi-weekly means every two weeks, which is 26 paychecks a year. Semi-monthly means twice a month, usually on the 15th and the last day, which is 24 paychecks. The yearly total is the same, but each bi-weekly paycheck is a little smaller.
Do you store the numbers I enter?
No. The calculator runs entirely in your browser. Nothing you type is sent to our server or saved.
Payday shouldn't be a surprise.
See your real take-home pay in under a minute, for any salary, any state.