Take-Home Pay Calculator
Enter a salary and see what actually lands in your account after federal tax, state tax, Social Security and Medicare, using 2026 rates.
401(k), HSA, health insurance premiums
Estimated take-home pay
$2,092.60
per bi-weekly paycheck · $54,408 / year
- Gross pay
- $2,500.00
- Federal income tax
- − $216.15
- Social Security · 6.2%
- − $155.00
- Medicare · 1.45%
- − $36.25
- Florida state income tax
- $0.00
- Net pay
- $2,092.60
Effective tax rate
16.3%
Marginal bracket
12.0%
Uses the 2026 federal brackets, standard deduction and FICA rates. Your pay stub may differ by a few dollars because payroll rounds through the IRS withholding tables.
Reference tables
Take-home pay by salary, 2026
Annual net pay for a single filer taking the standard deduction ($16,100 in 2026) with no pre-tax deductions, paid every two weeks. The first column is any of the nine no-income-tax states; California and New York show how much a state income tax moves the number. Your own W-4 and benefits will shift these, so run your exact numbers through the calculator above or the paycheck calculator for all 50 states.
| Salary | No-tax state (net / yr) | Per biweekly check | California (net / yr) | New York (net / yr) |
|---|---|---|---|---|
| $40,000 | $34,320 (14.2% tax) | $1,320 | $33,559 | $32,725 |
| $50,000 | $42,355 (15.3% tax) | $1,629 | $41,110 | $40,210 |
| $60,000 | $50,390 (16.0% tax) | $1,938 | $48,545 | $47,695 |
| $70,000 | $58,075 (17.0% tax) | $2,234 | $55,458 | $54,830 |
| $80,000 | $65,110 (18.6% tax) | $2,504 | $61,643 | $61,315 |
| $100,000 | $79,180 (20.8% tax) | $3,045 | $73,853 | $74,228 |
| $120,000 | $93,250 (22.3% tax) | $3,587 | $86,063 | $87,098 |
| $150,000 | $113,791 (24.1% tax) | $4,377 | $103,814 | $105,839 |
What comes out
From salary to take-home pay
Four things stand between your salary and your bank account: federal income tax (withheld per your W-4), state income tax (zero in nine states, up to 13.3% at the top in California), Social Security at 6.2%, and Medicare at 1.45%. Benefits like a 401(k) or health insurance come out too, but the pre-tax ones lower your tax at the same time. The step-by-step take-home pay walkthrough works one real paycheck all the way through.
Paid differently?
Hourly, biweekly, overtime
Paid by the hour? The hourly paycheck calculator takes a rate, weekly hours and overtime. Paid every two weeks and planning around the check rather than the year? The biweekly paycheck calculator shows per-check numbers and the two months a year with three paydays.
FAQ
Frequently asked questions
What percentage of my salary is take-home pay?+
For most people, 70% to 80%. A single filer earning $70,000 in a no-income-tax state keeps about $58,075, an effective rate of 17.0%. The share falls as income rises because the federal brackets are progressive, and it falls further in states with their own income tax, like California or New York.
How is take-home pay different from net pay?+
They're the same thing. Net pay, take-home pay, and 'pay after taxes' all mean gross pay minus federal income tax, state income tax, Social Security, Medicare, and any benefit deductions. Gross pay is the number in your offer letter; net pay is the number in your bank account.
Why is my salary paycheck smaller than salary divided by pay periods?+
Because withholding comes out before the money reaches you. Divide a $70,000 salary by 26 and you get about $2,692 per biweekly period, but after federal tax and FICA a single filer actually receives about $2,234 in a no-tax state, and less where the state taxes wages.
Does the calculator handle pre-tax deductions like a 401(k)?+
Yes. Enter your per-paycheck 401(k), HSA or health insurance amount in the pre-tax deductions field and it comes off your taxable wages before federal and state tax are figured. Traditional 401(k) money still pays Social Security and Medicare; Section 125 health premiums avoid those too.
Which states leave the most take-home pay?+
The nine with no wage income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. The same $80,000 salary can net $3,000 to $5,000 a year more there than in California, Oregon or New York once state tax is withheld.
Sources
- IRS Rev. Proc. 2025-32 (2026 inflation adjustments)
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- Social Security Administration, 2026 COLA fact sheet
Figures are estimates for planning, not tax advice. Federal figures are verified against the cited IRS, SSA and Department of Labor documents.
Paycheck tools
More paycheck tools and guides
Online paycheck calculator
Salary or hourly take-home pay after federal and state taxes, for all 50 states and DC.
Hourly paycheck calculator
Hourly rate, hours a week and overtime at 1.5x, with take-home pay for any state.
Biweekly paycheck calculator
Net pay every two weeks, how 26 checks differ from 24, and the three-paycheck months.
Overtime paycheck calculator
Time-and-a-half pay after taxes, plus the federal overtime deduction that started in 2025.
Paycheck calculator with 401(k) and health insurance
How pre-tax deductions change a paycheck, and what $100 into a 401(k) really costs.
How much tax is taken out of a paycheck
Every tax on a US pay stub with 2026 numbers: federal brackets, FICA and state ranges.
How to calculate take-home pay
The five steps from gross pay to net pay, worked through on a real $65,000 paycheck.
Gross pay vs. net pay
The difference between what you earn and what you keep, and how to go from one to the other.