2026 tax tables · All 50 states

Paycheck calculator

See exactly what lands in your bank account after federal, state and local taxes, for salary or hourly pay, in every state.

How are you paid?
$
Pay frequency
Filing status
Federal W-4 details
$
$
$
401(k), insurance and other deductions
%
%
$
$
$
$
Overtime, tips and bonus
$
$
New 2026 deductions: tips, overtime, age 65+

These lower your tax for the year but not what's withheld from each check, so they come back as a refund (unless you claim them on your W-4).

$
Take-home payNo. 2026
Pay to the order ofYou
$1,832.18

One thousand eight hundred thirty-two and 18/100 dollars

Memo: per paycheck · California · 2026
Earnings statement

$2,307.69 gross · 20.6% goes to taxes

Gross pay$2,307.69
Federal income tax−$193.08
Social Security−$143.08
Medicare−$33.46
California income tax−$75.89
CA SDI−$30.00
Take-home pay$1,832.18
Effective tax rate
20.6%
Federal bracket
12%
California
1% to 12.3%
At tax time (federal)About even

Your 2026 federal tax ≈ $5,020; withheld over the year ≈ $5,020.

Estimate based on 2026 IRS and California withholding rules. Your employer's payroll may differ by a few cents. Not tax advice.

How this is calculated

Federal income tax uses the IRS percentage method (Publication 15-T, 2026) on $2,307.69 of taxable wages this check. Social Security (6.2%) and Medicare (1.45%) apply to $2,307.69. California tax applies to $2,307.69.

Yearly and monthly views repeat a typical check across the year and stop Social Security at the yearly wage cap. They leave out one-off bonuses.

Take-home per check$1,832.18

Choose your state

Each state taxes wages differently. Tap your state for its exact 2026 rules, local taxes and a take-home table.

Alabama: 2% to 5%ALAlaska: No state income taxAKArizona: 2.5% flatAZColorado: 4.4% flatCOFlorida: No state income taxFLGeorgia: 4.99% flatGAIndiana: 2.95% flatINKansas: 5.2% to 5.58%KSMaine: 5.8% to 7.15%MEMassachusetts: 9% flatMinnesota: 5.35% to 9.85%MNNew Jersey: 1.4% to 10.75%North Carolina: 3.99% flatNCNorth Dakota: 1.95% to 2.5%NDOklahoma: 2.5% to 4.5%OKPennsylvania: 3.07% flatPASouth Dakota: No state income taxSDTexas: No state income taxTXWyoming: No state income taxWYConnecticut: 2% to 6.99%Missouri: 2% to 4.7%MOWest Virginia: 2.11% to 4.58%WVIllinois: 4.95% flatILNew Mexico: 1.5% to 5.9%NMArkansas: 2% to 3.7%ARCalifornia: 1% to 12.3%CADelaware: 2.2% to 6.6%District of Columbia: 4% to 10.75%Hawaii: 1.4% to 11%HIIowa: 3.8% flatIAKentucky: 3.5% flatKYMaryland: 2% to 6.5%Michigan: 4.25% flatMIMississippi: 4% flatMSMontana: 4.7% to 5.65%MTNew Hampshire: No state income taxNew York: 3.9% to 10.9%NYOhio: 2.75% to 3.125%OHOregon: 4.75% to 9.9%ORTennessee: No state income taxTNUtah: 4.45% flatUTVirginia: 2% to 5.75%VAWashington: No state income taxWAWisconsin: 3.5% to 7.65%WINebraska: 2.46% to 4.55%NESouth Carolina: 1.99% to 5.21%SCIdaho: 5.3% flatIDNevada: No state income taxNVVermont: 3.35% to 8.75%Louisiana: 3% flatLARhode Island: 3.75% to 5.99%
No income tax on wagesFlat rateBrackets
Alabama2% to 5%AlaskaNo state income taxArizona2.5% flatArkansas2% to 3.7%California1% to 12.3%Colorado4.4% flatConnecticut2% to 6.99%Delaware2.2% to 6.6%District of Columbia4% to 10.75%FloridaNo state income taxGeorgia4.99% flatHawaii1.4% to 11%Idaho5.3% flatIllinois4.95% flatIndiana2.95% flatIowa3.8% flatKansas5.2% to 5.58%Kentucky3.5% flatLouisiana3% flatMaine5.8% to 7.15%Maryland2% to 6.5%Massachusetts9% flatMichigan4.25% flatMinnesota5.35% to 9.85%Mississippi4% flatMissouri2% to 4.7%Montana4.7% to 5.65%Nebraska2.46% to 4.55%NevadaNo state income taxNew HampshireNo state income taxNew Jersey1.4% to 10.75%New Mexico1.5% to 5.9%New York3.9% to 10.9%North Carolina3.99% flatNorth Dakota1.95% to 2.5%Ohio2.75% to 3.125%Oklahoma2.5% to 4.5%Oregon4.75% to 9.9%Pennsylvania3.07% flatRhode Island3.75% to 5.99%South Carolina1.99% to 5.21%South DakotaNo state income taxTennesseeNo state income taxTexasNo state income taxUtah4.45% flatVermont3.35% to 8.75%Virginia2% to 5.75%WashingtonNo state income taxWest Virginia2.11% to 4.58%Wisconsin3.5% to 7.65%WyomingNo state income tax

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How your paycheck is calculated

Your employer starts with your gross pay for the period: salary divided by the number of paychecks, or hours times your rate, plus overtime, tips and bonuses. Pre-tax deductions such as a traditional 401(k), health insurance and HSA contributions come off before income tax is figured.

Federal income tax is withheld with the IRS percentage method, using the filing status, dependents and adjustments on your Form W-4. Social Security takes 6.2% of wages up to $184,500 a year and Medicare 1.45% of all wages, with another 0.9% above $200,000.

State income tax uses your state's own formula and form. Nine states don't tax wages at all, fifteen use a single flat rate, and the rest have brackets. A few states also take disability or paid-leave contributions, and some cities, counties and school districts add a local income tax.

Whatever is left after taxes and after-tax deductions is your take-home pay. Because withholding is only an estimate of your yearly tax, the calculator also shows whether you're on track for a refund or a balance due at tax time.

How we calculate and test every number →

Paycheck questions

How much tax is taken out of my paycheck?
Every check has federal income tax (based on your W-4), Social Security (6.2% up to $184,500 of wages in 2026) and Medicare (1.45%, plus 0.9% above $200,000). Most states add state income tax, and some add disability or paid-leave contributions or a local tax. Enter your pay above to see each line.
What is the difference between gross pay and net pay?
Gross pay is what you earn before anything is taken out. Net pay, or take-home pay, is what reaches your bank account after taxes and deductions such as 401(k) contributions and health insurance premiums.
Which states have no income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. Paychecks there still have federal income tax, Social Security and Medicare withheld.
Is this calculator updated for 2026?
Yes. Federal withholding follows IRS Publication 15-T for 2026, and every state uses its own 2026 withholding formula, checked against the official worked examples. See How we calculate for the sources.
Why is my real paycheck a little different?
Check your pay frequency, the W-4 and state form your employer has on file, and your pre-tax deductions. Employers may also use wage-bracket tables instead of the exact formula, which can move the result by a few cents.

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