Paycheck Calculator: Take Home

How much will you actually take home? Stop guessing — Paycheck Calculator gives you an accurate, detailed estimate of your per-paycheck net pay using the latest 2026 IRS tax brackets, FICA rates, and state tax withholding. Whether you are salaried or hourly, starting a new job, negotiating a raise, adjusting your W-4, or comparing job offers across states — this is the only paycheck calculator you need. WHAT YOU CAN CALCULATE: • Salary → Take-Home Pay: Enter your gross pay per paycheck and instantly see your net pay after all taxes and deductions. • Federal Income Tax: Calculated using IRS Publication 15-T percentage method for 2026, with progressive bracket breakdown. • Social Security Tax (6.2%): Applied up to the 2026 wage base limit of $184,500. • Medicare Tax (1.45% + 0.9%): Includes Additional Medicare Tax for high earners. • State Income Tax: Enter your state's flat rate — or 0% for no-income-tax states like TX, FL, WA, NV, WY, SD, AK, NH, and TN. W-4 ADJUSTMENTS: • Dependents under 17 and other dependents (Step 3 credits) • Other income from outside jobs (Step 4a) • Extra deductions above the standard deduction (Step 4b) • Additional per-paycheck withholding (Step 4c) PRE-TAX DEDUCTIONS: • Traditional 401(k) — fixed dollar or percentage of gross pay • HSA (Health Savings Account) contributions • Employer-sponsored health insurance premiums • Other pre-tax deductions POST-TAX DEDUCTIONS: • Roth 401(k) — fixed dollar or percentage of gross pay • Other post-tax deductions PAY FREQUENCY OPTIONS: • Weekly (52 paychecks/year) • Bi-Weekly (26 paychecks/year) • Semi-Monthly (24 paychecks/year) • Monthly (12 paychecks/year) • Annually (1 paycheck/year) FILING STATUS: • Single • Married Filing Jointly • Married Filing Separately • Head of Household POWERFUL RESULTS: • Per-Paycheck Breakdown: Gross pay, federal withholding, Social Security, Medicare, state tax, pre-tax deductions, post-tax deductions, and net pay — all itemized. • Annual Projections: See your total yearly gross income, total taxes paid, total deductions, and annual net pay. • Tax Rate Summary: Your marginal tax bracket, effective federal rate, and effective total tax rate. • Visual Tax Bracket Chart: See exactly how much of your income falls in each federal bracket. • Save Unlimited Reports: Save different paycheck scenarios and compare them side by side. Compare salaries, filing statuses, deduction strategies, or state tax rates. DESIGN & PRIVACY: • Premium native design with beautiful Light and Dark mode support • 100% offline — no internet required for calculations • 100% private — no accounts, no cloud sync, no tracking • All data stays on YOUR device — delete anytime from Settings DISCLAIMER: Paycheck Calculator is an independent financial estimation tool and is NOT affiliated with, endorsed by, or sponsored by the Internal Revenue Service (IRS), the Social Security Administration (SSA), any state tax authority, or any other government agency. This app provides paycheck and tax withholding estimates for informational and educational purposes only. Actual withholding and take-home pay may differ based on your employer's payroll system, local tax laws, and individual circumstances. For official tax guidance or financial advice, consult a qualified tax professional. Official Government Sources: • Internal Revenue Service (IRS): https://www.irs.gov • IRS Publication 15-T (Federal Income Tax Withholding Methods): https://www.irs.gov/publications/p15t • Form W-4 (Employee's Withholding Certificate): https://www.irs.gov/forms-pubs/about-form-w-4 • Social Security Administration (SSA): https://www.ssa.gov • Social Security Contribution and Benefit Base: https://www.ssa.gov/oact/cola/cbb.html