Paycheck Calculator (2026)
See your real take-home pay after federal tax, FICA, state tax, and pretax deductions like 401(k).
Take-home per pay period
$0
- Net$0
- Federal$0
- FICA$0
- State$0
- Pretax (401k + other)$0
Annual: gross $0 → net $0
How your paycheck breaks down
Your gross salary is reduced by several lines before it hits your bank: pretax 401(k) and HSA/health premiums, federal income tax, FICA (Social Security 6.2% + Medicare 1.45%), state income tax, and any other post-tax deductions.
Social Security tax stops once you've earned $184,500 in 2026 (the wage base). Medicare has no cap, and an Additional Medicare Tax of 0.9% kicks in on wages above $200,000 (single) or $250,000 (MFJ). 401(k) reduces federal taxable income but is still subject to FICA.
This tool uses a flat state tax rate. Real state tax has its own brackets, deductions, and local taxes (NYC, SF, etc.) — for an exact number, check your state's withholding tables.