Take Home Paycheck Calculator

How to estimate take-home pay in any U.S. state for 2026

Take-home pay is what lands in your bank account after federal income tax, FICA payroll taxes, state income tax, and pre-tax deductions like 401(k) contributions. This calculator covers all 50 states so you can compare net pay when relocating, negotiating salary, or planning a monthly budget using 2026 federal brackets and state tax rules.

Select your state, enter annual salary and pay frequency, then adjust filing status, dependents, and pre-tax deductions. For federal tax details in isolation, use the income tax calculator and tax bracket calculator. To see state income tax without federal withholding, try the state tax calculator. For FICA breakdowns, use the FICA tax calculator.

What gets deducted from your paycheck

Regardless of state, most W-2 employees see these withholding categories:

• Federal income tax: Progressive 2026 brackets from 10% to 37%, applied after the federal standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household).
• FICA payroll tax: 6.2% Social Security up to the $184,500 wage base plus 1.45% Medicare on all earnings, with a 0.9% Medicare surtax above $200,000 for single filers.
• State income tax: Varies from 0% in nine states to progressive rates above 10% in states like California and New York.
• Pre-tax deductions: Traditional 401(k), HSA, and health premiums reduce federal and most state taxable income but not FICA wages.

Net pay formula

Net annual pay across all states follows the same structure, with state tax varying by location:

Divide net annual pay by your pay periods for per-check amounts. The biweekly pay calculator shows how a salary splits across 26 paychecks, and the salary calculator converts between hourly wages and annual compensation.

Worked example: Texas, $65,000 salary, single, biweekly, 5% 401(k)

The calculator defaults to Texas, a no-income-tax state. Consider a single Texas resident earning $65,000 per year, paid biweekly (26 paychecks), with 5% contributed to a traditional 401(k) and no dependents:

1. Gross per paycheck: $65,000 / 26 = $2,500.00
2. 401(k) contribution: 5% of $65,000 = $3,250.00 annually ($125.00 per paycheck)
3. Federal taxable income: $61,750 after 401(k) minus $16,100 standard deduction = $45,650. Federal income tax: $5,230.00
4. FICA: Social Security $4,030.00 plus Medicare $942.50 = $4,972.50 total
5. Texas state tax: $0.00
6. Net biweekly paycheck: $1,982.60 ($51,547.50 per year)

Switch the state dropdown to see how the same salary changes. In Utah the net drops to about $1,876.91 biweekly due to the 4.45% flat state rate. In Vermont it falls to about $1,919.72. For dedicated state pages, try the Texas paycheck calculator, Florida paycheck calculator, or California paycheck calculator.

Frequently asked questions