See what actually lands in your bank account after federal tax, state tax, Social Security, and Medicare.
✓ Current 2026 Tax Brackets✓ 100% Free✓ Private — Data Stays in Your Browser
⚠️ This is an estimate, not your official pay stub. Real employer payroll withholding uses the IRS's specific automated payroll percentage-method tables (Publication 15-T), which can differ slightly from the annualized-bracket method used here. Your actual paycheck may vary by a small amount. This isn't tax advice — talk to a tax professional for anything specific to your situation.
📋 Your Info
Enter your income, filing status, and dependents
Income
Filing Info
State Tax
💰 Add 401(k) Contribution
💡 Traditional 401(k) contributions reduce your taxable income for federal and state tax — but not for Social Security or Medicare, which apply to your full gross pay.
Take-Home Per Paycheck
$0
Where Your Paycheck Goes
Take-Home
Federal Tax
State Tax
FICA
401(k)
Frequently Asked Questions
How is state income tax calculated in this tool? This calculator uses each state's actual 2026 published tax brackets and standard deduction — not a single flat guess — so you don't need to look up your own state's rate. Nine states have no wage income tax and will show $0.
Why is my state showing $0 in state tax? Nine states have no individual income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Washington taxes capital gains only, not wages, so it also shows $0 here.
Does this include local or city income taxes? No. Some states have local or city-level income taxes on top of the state rate (for example, parts of Ohio, Pennsylvania, and New York City) which aren't included here.
Is Head of Household calculated differently by state? Most states don't publish separate Head of Household brackets, so this calculator applies each state's Single-filer brackets and standard deduction for Head of Household filers as a reasonable approximation.
⚠️ What this doesn't include: local/city income taxes, health insurance premiums, HSA/FSA contributions, wage garnishments, or state-specific disability/family leave payroll taxes (like NJ's SDI/FLI). If those apply to you, your real take-home will be somewhat lower than shown here.