Paycheck Calculators by State — 2026

Your paycheck isn't just your salary divided by pay periods. Before a dollar reaches your bank account, the federal government takes income tax based on your W-4 elections, every state with an income tax takes its own cut, and FICA (Social Security + Medicare) clips 7.65% off the top on every cheque.

How US Paycheck Deductions Work

Federal income tax is progressive — the more you earn, the higher the rate on the portion above each bracket. For 2026, the brackets run from 10% on the first slice of income up to 37% on income above $626,350 for single filers.

State income tax varies dramatically. States like Texas and Florida charge zero state income tax. California tops out at 13.3%. Most other states fall somewhere between 3% and 7%, and some (Illinois, Pennsylvania, Michigan) use a simple flat rate.

FICA consists of Social Security (6.2% on wages up to $176,100 in 2026) and Medicare (1.45% on all wages, with an additional 0.9% on earnings above $200,000). Your employer matches these contributions separately — it doesn't come out of your take-home.

Pre-tax deductions like 401(k) contributions, HSA deposits and employer health insurance premiums reduce your taxable income — and therefore your tax bill — before federal and state rates are applied.

Select your state below to calculate your exact 2026 take-home pay. All calculations run entirely in your browser — nothing is uploaded or stored.

Choose Your State

Federal Paycheck CalculatorAll states — federal onlyCalifornia Paycheck CalculatorState income tax + SDIFlorida Paycheck CalculatorNo state income taxGeorgia Paycheck CalculatorFlat 5.49% state taxIllinois Paycheck CalculatorFlat 4.95% state taxMichigan Paycheck CalculatorFlat 4.05% state taxNew York Paycheck CalculatorProgressive + NYC taxNorth Carolina Paycheck CalculatorFlat 4.5% state taxOhio Paycheck CalculatorProgressive state taxPennsylvania Paycheck CalculatorFlat 3.07% state taxTexas Paycheck CalculatorNo state income tax

Frequently Asked Questions

Which states have no income tax?

As of 2026, nine states have no state income tax: Texas, Florida, Nevada, Washington, Wyoming, South Dakota, Alaska, Tennessee and New Hampshire. Residents of these states only pay federal income tax and FICA (Social Security + Medicare).

What is FICA and how much is deducted?

FICA stands for the Federal Insurance Contributions Act. It covers Social Security (6.2% up to the wage base of $176,100 in 2026) and Medicare (1.45% on all wages, plus 0.9% Additional Medicare Tax above $200,000). Total FICA for most employees is 7.65% of gross pay.

How do I calculate my net take-home pay?

Start with your gross pay (salary or hourly × hours). Subtract federal income tax (based on your W-4 filing status and allowances), state income tax (varies by state), Social Security (6.2%), and Medicare (1.45%). The remainder is your net take-home pay. Our calculators handle all these deductions automatically.

What is the difference between gross pay and net pay?

Gross pay is your total earnings before any deductions. Net pay (take-home pay) is what you receive after federal and state income taxes, Social Security, Medicare and any pre-tax deductions like health insurance or 401(k) contributions are subtracted.