What you earn, minus what they take.
Pick your state, type your pay, and watch the split. No signup — just the math behind your take-home.
How your paycheck gets split
Your gross salary never hits your account whole. Up to four cuts come first:
- Federal income tax — progressive brackets on income after the standard deduction.
- State income tax — depends where you live. Nine states take nothing.
- Social Security — 6.2% up to the 2026 wage cap of $184,500.
- Medicare — 1.45%, plus 0.9% more on high earners.
Pre-tax deductions like a 401(k) or HSA come out before income tax, so they shrink the taxable slice. That's the lever most people forget.
Paycheck calculators by state
These states don't tax wages, so federal tax and FICA are the whole story:
- Texas paycheck calculator
- Florida paycheck calculator
- Alaska paycheck calculator
- Nevada paycheck calculator
- New Hampshire paycheck calculator
- South Dakota paycheck calculator
- Tennessee paycheck calculator
- Washington paycheck calculator
- Wyoming paycheck calculator
Paid on a 1099 instead? Use the 1099 tax calculator. Getting a bonus? See what's left with the bonus tax calculator.
Questions people actually ask
What is take-home pay?
It's what lands in your bank account after federal tax, state tax, and FICA come out of your gross salary.
Does this calculator ask for my email?
No. Nothing to sign up for. You type your salary, you see the number.
Why is my paycheck smaller than my salary ÷ pay periods?
Taxes. Federal income tax, your state's income tax, and FICA (Social Security + Medicare) all come out first.
Are these numbers exact?
They're estimates for the 2026 tax year, using the standard deduction and no credits. Your real paycheck can differ.
My state isn't in the list. Can I still use this?
Yes. Pick "Another state" to get federal tax and FICA. Your state's income tax isn't included yet, so subtract it on top.