See your real take-home pay in seconds. Enter your salary or hourly rate and let the nerd do the 2026 tax math — federal, state, and FICA — with a breakdown that actually makes sense.
Your estimated take-home pay
$1,938.08/ paycheck
$50,390 per year · 16.0% effective tax rate
You're in the 12% bracket — but only income in that top slice is taxed at 12%. Across all your income, you pay just 16.0%.
Estimate based on 2026 tax data and standard withholding. Your real paycheck can differ with local taxes, benefits, and W-4 settings.
A paycheck calculator turns your gross pay into the number you actually care about: what hits your bank account. Every U.S. paycheck is reduced by federal income tax, Social Security and Medicare (FICA), and — in 41 states — a state income tax. PayCheckNerd estimates all of these with current 2026 tax tables so you can plan a budget, weigh a job offer, or sanity-check your employer's math.
Salary or hourly, plus how often you're paid and your state.
Federal income tax, Social Security, Medicare, and your state's income tax — instantly.
Your net paycheck with a full, itemized breakdown you can actually understand.
State income tax is where take-home pay really differs. Pick your state for a calculator pre-set to its 2026 tax rules.
Your take-home pay is your gross pay minus federal income tax, Social Security (6.2%), Medicare (1.45%), any state income tax, and any pre-tax deductions like 401(k) or health insurance. PayCheckNerd estimates each of these using 2026 tax tables and divides by your number of pay periods.
Gross pay is your total earnings before any taxes or deductions. Net pay (take-home pay) is what actually lands in your bank account after taxes and deductions are withheld. The gap between them is usually 20–35% depending on your income and state.
Yes — it uses the 2026 federal tax brackets and standard deduction from IRS Revenue Procedure 2025-32, the 2026 Social Security wage base of $184,500, and each state's 2026 income tax rates. It's an estimate of withholding; your exact paycheck depends on your W-4, local taxes, and benefits.
Beyond federal income tax, FICA takes 7.65% of most paychecks, and many states add 3–10% income tax. Pre-tax benefits (401(k), health insurance) also reduce the cash you take home, even though they're not taxes. Use the deductions section to see exactly where your money goes.
Yes. Switch to 'Hourly,' enter your rate, weekly hours, and any overtime hours (paid at 1.5×), and the calculator converts it to annual pay and computes your net paycheck the same way.
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