2026 tax year · take-home pay
See your real take-home pay
Free, accurate paycheck calculators for 2026. Pick your state to see exactly what comes out of your check: federal tax, Social Security, Medicare, and state withholding, broken down line by line, with no sign-up.
Tax data verified against IRS and state primary sources.
Pick your state
Paycheck calculators for all 50 states + DC
Every state, grouped by how it taxes wages. Pick yours for a full take-home breakdown, real 2026 rates and brackets, and worked examples at common salaries.
No state income tax
States with no income tax (9)
Nine states take nothing out of your paycheck at the state level. Your only withholding is federal income tax and FICA.
Zero state income tax, so you keep more of every paycheck.
Zero state income tax, so you keep more of every paycheck.
Zero state income tax, so you keep more of every paycheck.
Zero state income tax, so you keep more of every paycheck.
Zero state income tax, so you keep more of every paycheck.
Zero state income tax, so you keep more of every paycheck.
Zero state income tax, so you keep more of every paycheck.
Wages face no state income tax; withholding is federal and FICA only.
Zero state income tax, so you keep more of every paycheck.
Flat rate
Flat-tax states (15)
One single rate applies to (nearly) all taxable income, simple to estimate and easy to check.
Flat 2.5% state income tax on top of federal and FICA.
Flat 4.4% state income tax on top of federal and FICA.
Flat 4.99% state income tax on top of federal and FICA.
Flat 5.3% state income tax on top of federal and FICA.
Flat 4.95% state income tax on top of federal and FICA.
Flat 2.95% state income tax on top of federal and FICA.
Flat 3.8% state income tax on top of federal and FICA.
Flat 3.5% state income tax on top of federal and FICA.
Flat 3% state income tax on top of federal and FICA.
Flat 4.25% state income tax on top of federal and FICA.
Flat 4% state income tax on top of federal and FICA.
Flat 3.99% state income tax on top of federal and FICA.
Flat 2.75% state income tax on top of federal and FICA.
Flat 3.07% state income tax on top of federal and FICA.
Flat 4.45% state income tax on top of federal and FICA.
Graduated brackets
Progressive-tax states (27)
Rates rise in brackets as income grows, so your effective rate sits below your top marginal rate.
Progressive 2%–5% state income tax.
Progressive 2%–3.7% state income tax.
Progressive 1%–12.3% state income tax.
Progressive 2%–6.99% state income tax.
Progressive 2.2%–6.6% state income tax.
Progressive 4%–10.75% state income tax.
Progressive 1.4%–11% state income tax.
Progressive 5.2%–5.58% state income tax.
Progressive 5.8%–7.15% state income tax.
Progressive 2%–6.5% state income tax.
Progressive 5%–9% state income tax.
Progressive 5.35%–9.85% state income tax.
Progressive 2%–4.7% state income tax.
Progressive 4.7%–5.65% state income tax.
Progressive 2.46%–4.55% state income tax.
Progressive 1.4%–10.75% state income tax.
Progressive 1.5%–5.9% state income tax.
Progressive 3.9%–10.9% state income tax.
Progressive 1.95%–2.5% state income tax.
Progressive 2.5%–4.5% state income tax.
Progressive 4.75%–9.9% state income tax.
Progressive 3.75%–5.99% state income tax.
Progressive 1.99%–5.21% state income tax.
Progressive 3.35%–8.75% state income tax.
Progressive 2%–5.75% state income tax.
Progressive 2.11%–4.58% state income tax.
Progressive 3.5%–7.65% state income tax.
The breakdown
How your paycheck is calculated
Every paycheck starts with your gross pay and subtracts a predictable set of withholdings. Federal income tax is set by your W-4 and tax bracket. FICA is a flat rate on your wages: Social Security at 6.2% (up to the annual wage base) and Medicare at 1.45%. Then your state takes its cut, which is where take-home pay varies the most: a no-income-tax state like Texas or Florida leaves more in your pocket than a high-tax state like California or New York for the same salary.
Pre-tax deductions such as a 401(k), HSA, or pre-tax health premiums come out before income tax is figured, which lowers your taxable wages and raises your net pay. Our state calculators let you add those so the number you see matches your real check.
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Common questions
The paycheck questions we hear most
- How is take-home pay calculated?
- Your take-home (net) pay is your gross pay minus federal income tax, Social Security (6.2%), Medicare (1.45%), any state and local income tax, and any pre-tax deductions like a 401(k) or health premiums. The exact amounts depend on your pay, filing status, and W-4. Pick your state above to see the full breakdown.
- What's the difference between gross pay and net pay?
- Gross pay is what you earn before anything is withheld. Net pay (your take-home) is what actually hits your bank account after taxes and deductions. The gap between them is usually 20%–35% depending on your income and state.
- Are these calculators accurate for 2026?
- We build these on the latest published IRS and state figures and update them as agencies release changes. Results are estimates, not certainties. Always confirm against your official pay stub, especially for edge cases like additional withholding or local taxes.