Take home pay calculator for the 2026 tax year covering all 50 states. Enter your gross pay, pay frequency, state and filing status to see federal income tax, Social Security, Medicare and state income tax taken out of every check.
| Input | Result |
|---|---|
| $3,000 biweekly, single, Texas | $2,450.12 per check (state tax $0) |
| $3,000 biweekly, single, California | $2,327.78 per check (state tax $3,181/yr) |
| $5,000 monthly, married, New York | $4,210.77 per check |
Every US paycheck is reduced by the same three federal items before state tax is considered. Federal income tax depends on your W-4 and runs through seven brackets (10, 12, 22, 24, 32, 35 and 37 percent in 2026). Social Security is a flat 6.2% but only on the first $184,500 of wages, above that it stops entirely, which is why high earners see their effective rate fall in the back half of the year. Medicare is 1.45% with no cap, plus an extra 0.9% on wages above $200,000 for single filers ($250,000 joint).
State income tax is the only line that changes with geography, and it is where the spread between two identical salaries comes from: the same gross pay produces very different take home in Texas than in California. On $3,000 biweekly for a single filer, Texas leaves $2,450.12 a check and California $2,327.78, a difference of $3,181 a year.
| Rate | Single | Married filing jointly |
|---|---|---|
| 10% | up to $12,400 | up to $24,800 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 |
| 37% | over $640,600 | over $768,700 |
These thresholds apply to taxable income, after the standard deduction of $16,100 (single), $32,200 (joint) or $24,150 (head of household) for 2026.
Nine states levy no income tax on wages at all, Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Of the rest, fifteen apply one flat rate and the remainder use graduated brackets, with top rates running from 2.5% in Arizona and North Dakota to 13.3% in California.
No. Some cities and counties, notably in Pennsylvania, Ohio, New York and Maryland, levy their own income tax on top of the state figure. This tool covers federal, FICA and state.
Not on this page, it shows gross-to-net with no pre-tax deductions. Pre-tax contributions cut income tax but not FICA. Use the state-specific paycheck pages to enter a per-check pre-tax amount.
Tax year 2026. Federal brackets and the $16,100 single standard deduction come from IRS Rev. Proc. 2025-32; the Social Security wage base of $184,500 comes from the SSA's 2026 COLA notice; state rates come from the Tax Foundation's 2026 state bracket survey.