Take-Home Pay Calculator
Calculate your net pay after federal tax, state tax, and FICA using 2026 brackets, with salary or hourly inputs.
Take-Home Pay Calculator
Earning Type
Annual Salary
Hourly Rate & Hours
Overtime Multiplier
Pay Frequency
Filing Status
Deductions & State Rate
Enter your state's effective income tax rate. The nine no-income-tax states use 0%. Typical effective rates run 3 to 5 percent.
Deductions and taxes exceed gross pay. Take-home pay is shown as $0.00.
Estimate for 2026. Withholding uses the annual progressive bracket method. Your employer's actual withholding may differ.
Track Every Paycheck Automatically
Stop estimating your net pay. ClockWage44 logs shifts across multiple jobs and runs a full 50-state paycheck engine that works out federal tax, state tax, FICA, overtime rules, and recurring deductions to the cent, all on-device.
How to calculate your take-home pay
Take-home pay is what reaches your bank account after every required deduction. The path from gross to net follows the same order on every paycheck.
Start with gross pay. In salary mode that is your annual salary. In hourly mode it is regular pay plus overtime pay, multiplied by 52 weeks: regular hours times your rate, plus overtime hours times your rate times the multiplier.
Next, subtract pre-tax deductions such as 401(k), HSA, and qualifying health premiums. These lower the income that federal and state tax apply to.
Then apply federal income tax. The calculator subtracts the 2026 standard deduction, applies the progressive brackets to what is left, and divides the annual tax across your pay periods.
Add FICA: 6.2% Social Security on wages up to the $184,500 cap, and 1.45% Medicare with an extra 0.9% on high earnings. Apply your state's effective rate, subtract post-tax deductions and any extra withholding, and the remainder is your take-home pay.
2026 federal tax brackets and standard deduction
Federal income tax is marginal, not flat. Each bracket rate applies only to the income that falls inside that bracket, so a raise never lowers your net pay.
The 2026 standard deduction is $16,100 for single filers and married filing separately, $32,200 for married filing jointly, and $24,150 for head of household. It is subtracted before any bracket math.
For a single filer in 2026, the brackets are 10% from $0, 12% over $12,400, 22% over $50,400, 24% over $105,700, 32% over $201,775, 35% over $256,225, and 37% over $640,600 of taxable income.
Married filing jointly uses wider brackets: 12% over $24,800, 22% over $100,800, and 24% over $211,400. Head of household sits between the two, with 12% over $17,700 and 22% over $67,450.
State income tax: why you enter your own rate
State income tax rules vary widely, so this calculator uses a single effective rate you supply rather than 50 separate bracket tables. The effective rate is total state tax divided by income, not the top marginal rate.
Nine states have no income tax at all: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents there enter 0%.
For states with an income tax, a mid-income worker's effective rate often lands between 3 and 5 percent. Flat-tax states like Colorado and Illinois are close to their stated rate. Progressive states like California can run higher at upper incomes.
To find your exact figure, divide the state tax line on last year's return by your total income, or check your state revenue department's tables.
Track every paycheck automatically with ClockWage44
This calculator gives a decent estimate, but a real paycheck has moving parts: shifts across more than one job, changing overtime, and recurring deductions.
ClockWage44 logs your shifts and runs a full 50-state paycheck engine that works out federal tax, state tax, FICA, overtime rules, and deductions to the cent, all on-device.
It supports daily and weekly overtime modes, multiple pay rates, and PDF or CSV export when you need a record for budgeting or disputes.
Frequently Asked Questions
Common questions about take-home pay calculator
How is take-home pay calculated?
Start with gross pay, subtract pre-tax deductions like 401(k) and HSA contributions, then apply federal income tax using the 2026 brackets and standard deduction. Add FICA (6.2% Social Security up to the $184,500 wage base and 1.45% Medicare), apply your state income tax, and subtract any post-tax deductions and extra withholding. What is left is your take-home pay.
What's the difference between gross pay and take-home pay?
Gross pay is your total earnings before anything is removed. Take-home pay, also called net pay, is what actually lands in your bank account after federal tax, state tax, FICA, and deductions come out. For many workers, take-home pay runs roughly 70 to 80 percent of gross.
How much of my paycheck goes to taxes?
It depends on income, filing status, and state. FICA alone takes 7.65% (6.2% Social Security plus 1.45% Medicare). Federal income tax is progressive, so a single filer earning $60,000 might pay an effective federal rate near 10 to 12 percent after the standard deduction. Add state tax and the combined effective rate for a mid-income worker often sits between 20 and 30 percent.
What is FICA and how much is taken out for Social Security and Medicare in 2026?
FICA is the payroll tax that funds Social Security and Medicare. In 2026, Social Security is 6.2% on wages up to $184,500, so the most you pay is $11,439. Medicare is 1.45% with no cap, plus an extra 0.9% on wages above $200,000 for single filers or $250,000 for married filing jointly.
How does my filing status affect my take-home pay?
Filing status sets your standard deduction and bracket thresholds. For 2026 the standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. A larger deduction and wider brackets lower taxable income, which raises take-home pay.
Do pre-tax deductions like 401(k) and HSA increase my take-home pay?
Pre-tax deductions lower your taxable income, so they reduce federal and state income tax. They do not increase the cash in your paycheck, since the money is set aside, but they shrink your tax bill compared with taking the same amount as taxable wages.
Why is my overtime pay taxed so much, do I keep it all?
Overtime is taxed like any other income. There is no special overtime tax rate. Extra hours can push part of your income into a higher marginal bracket, so the last dollars are taxed at a higher rate, but only those dollars, not your whole paycheck. You keep the rest after standard withholding.
How do I find my state's income tax rate for this calculator?
Use your state's effective rate, which is total state tax divided by income, not the top marginal rate. Nine states have no income tax (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming), so enter 0%. For others, a 3 to 5 percent effective rate is typical for mid-income earners. Check your last return or your state revenue department for an exact figure.