Paycheck calculator — take-home pay by state

How this calculator works

It applies the 2026 federal income-tax brackets to your income after the standard deduction, adds Social Security (6.2% up to the annual wage base) and Medicare (1.45%, plus the 0.9% surtax on high earners), and applies your state’s income tax — nothing for the nine no-tax states, a single rate for flat-tax states, and the graduated brackets for the rest. It then splits the result across your chosen pay schedule.

What it assumes (and leaves out)

• Uses the 2026 standard deduction for your filing status — not itemized deductions.
• Excludes pre-tax deductions like 401(k), HSA and health premiums, which lower your taxable pay.
• Excludes tax credits (child tax credit, EITC, etc.).
• Excludes city and local income taxes (e.g. New York City) and state disability/payroll add-ons.
• State income tax is approximated from state brackets on your federally-taxable income; states with their own deductions will differ slightly.

Because of those factors, treat the result as a solid estimate of your paycheck, not an exact figure. Your real take-home depends on your W-4 and the deductions you choose.

General information only, not tax advice. Federal figures reflect the 2026 tax year; state rates reflect the latest published year. Verify with the IRS, your state tax agency or a tax professional.