Your take-home pay is the only number that matters when you're budgeting rent, groceries, or savings. It's your gross pay minus federal income tax, Social Security, Medicare, state income tax, and any pre-tax benefits. This calculator itemizes each deduction so you can see exactly where your money goes — and what lands in your account every payday.
Take-Home Pay Calculator
See what actually hits your account. This take-home pay calculator subtracts every 2026 tax and deduction so there are no paycheck surprises.
Pay type
Your estimated take-home pay
$1,938.08/ paycheck
$50,390 per year · 16.0% effective tax rate
Take-home 84%Gross $2,308
- Gross pay
- $2,307.69
- Federal income tax
- −$193.08
- Social Security
- −$143.08
- Medicare
- −$33.46
- State income tax
- −$0.00
- Take-home pay
- $1,938.08
Estimate based on 2026 tax data and standard withholding. Your real paycheck can differ with local taxes, benefits, and W-4 settings.
Frequently asked questions
What is take-home pay?+
Take-home pay (net pay) is the money you actually receive after your employer withholds federal and state income tax, Social Security, Medicare, and any benefits like 401(k) or health insurance. It's almost always less than your gross salary.
How do I calculate my take-home pay?+
Start with gross pay, subtract pre-tax deductions, then subtract federal income tax, Social Security (6.2%), Medicare (1.45%), and state income tax. The remainder is your take-home pay. This calculator runs all of it with 2026 tax tables.
Why is my take-home pay so much lower than my salary?+
FICA alone takes 7.65% of most paychecks, federal income tax can take 10–24%, and many states add another 3–10%. Pre-tax benefits reduce your cash take-home further. Combined, 20–35% of gross pay is common.
Take-home pay by state
State income tax is where take-home pay really differs. Pick your state for a calculator pre-set to its 2026 tax rules.
- Alabama
- AlaskaNo tax
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- FloridaNo tax
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- NevadaNo tax
- New HampshireNo tax
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South DakotaNo tax
- TennesseeNo tax
- TexasNo tax
- Utah
- Vermont
- Virginia
- WashingtonNo tax
- West Virginia
- Wisconsin
- WyomingNo tax
- Washington, D.C.