Compare job offers
Convert different salaries and pay frequencies into estimated per-pay and annual take-home amounts.
Paycheck Calculator
Enter gross pay and withholding details → Get a 2026 take-home pay estimate.
2026 Take-Home Pay Estimate
Reviewing a paycheck or job offer? Enter gross pay and filing details, then refine the estimate with deductions and state settings.
Advanced W-4, state, and deduction settings
Choose a state to include its 2026 wage-withholding model.
Your take-home pay estimate will appear here
Enter gross pay to calculate federal, FICA, state, and local estimates.
Planning estimate for regular 2026 wages and a 2020-or-later Form W-4. It does not cover every credit, deduction, reciprocal agreement, local rule, paid-leave premium, benefit, bonus, tip, overtime, nonresident, or multi-job situation. Compare payroll with the 2026 IRS Publication 15-T and the applicable state source.
How to Use Paycheck Calculator
1
Enter Gross Pay and Frequency
Use regular taxable wages for one pay period and choose the matching number of annual payments.
2
Choose Filing Status and State
Select the W-4 filing status and a supported state model or leave state tax excluded.
3
Refine Advanced Settings
Add deductions, W-4 entries, state allowances, local rate, and year-to-date Social Security wages when applicable.
4
Review the Live Breakdown
Compare estimated net pay with federal, FICA, and state components; verify it against payroll documents.
Paycheck Calculator Features
- 2026 federal W-4 percentage-method schedules
- Social Security wage-base and Additional Medicare handling
- Eight selectable state wage-tax models
- Advanced credits, deductions, local rate, and year-to-date inputs
Common Use Cases
Review a W-4 change
Explore how annual credits, deductions, other income, or extra withholding may affect a regular paycheck.
Plan benefit deductions
Separate entered pre-tax and post-tax deductions to see their different effects on the estimate.
Limits and Important Notes
How the 2026 Paycheck Calculator Works
Taxable pay is gross pay minus entered pre-tax deductions. The calculator annualizes that amount, applies the selected 2026 Publication 15-T schedule and W-4 adjustments, then divides annual withholding by pay periods.
Employee Social Security is 6.2% up to the 2026 $184,500 wage base. Medicare is 1.45%, with 0.9% additional employee withholding on wages above the employer’s $200,000 threshold.
Formula
Net pay = gross pay − pre-tax deductions − federal withholding − Social Security − Medicare − state/local estimate − post-tax deductions
Example
For $3,000 biweekly gross pay, single filing status, no deductions, credits, state model, or prior wages, the tool applies the 2026 federal schedule plus $186.00 Social Security and $43.50 Medicare.
- The model covers regular wages and a 2020-or-later Form W-4; bonuses, tips, qualified overtime deductions, older forms, and special wage methods may differ.
- State and local rules, reciprocity, nonresident allocation, paid-leave programs, and employer benefits may require additional adjustments.
- A paycheck estimate is not a tax-return liability calculation and cannot guarantee a refund or balance due.
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