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Paycheck Calculator
See your real take-home pay — from a salary or hourly rate — after federal tax, Social Security, Medicare, and your state's income tax.
Short answer
Most workers take home about 70–85% of their gross pay. Federal income tax, Social Security (6.2%), Medicare (1.45%), and any state income tax come out first. A $70,000 salary nets far more in a no-tax state like Texas than in California or New York. Enter your salary and state above for your exact take-home number, per paycheck and per year.
Take-home pay
$2,135.93
every 2 weeks · $55,534/yr net · 21% effective tax
- Gross pay
- $70,000/yr
- Federal income tax
- −$6,570.00
- Social Security
- −$4,340.00
- Medicare
- −$1,015.00
- State income tax
- −$2,540.85
- Net (annual)
- $55,534
Take-home pay by state
Take-home pay by salary (2026, no-state-tax state)
| Salary | Federal tax | FICA | Take-home | Effective rate |
|---|---|---|---|---|
| $50,000 | $3,820 | $3,825 | $42,355 | 15% |
| $75,000 | $7,670 | $5,738 | $61,593 | 18% |
| $100,000 | $13,170 | $7,650 | $79,180 | 21% |
| $150,000 | $24,734 | $11,475 | $113,791 | 24% |
Single filer, standard deduction, no pre-tax deductions, Texas (no state income tax) — the federal + FICA floor every state builds on. States with income tax reduce take-home further; pick yours in the calculator. 2026 estimates, not tax advice.
How take-home pay is calculated
Your gross salary is reduced by four things: federal income tax (based on the 2026 IRS brackets and your filing status), Social Security (6.2% up to the annual wage base), Medicare (1.45%, plus 0.9% on high earnings), and state income taxif your state has one. Pre-tax deductions like a 401(k) lower your taxable income. What's left is your net, or take-home, pay.
Take-home pay by state (2026)
Federal and FICA taxes are the same everywhere, but state income tax makes a big difference. Nine states have no income tax at all. The table below ranks every state by take-home pay on a $75,000 salary — click any state for its full breakdown.
2026 take-home pay by state ($75,000 salary)
| State | Take-home | Total tax | Effective rate |
|---|---|---|---|
| Alaska | $61,593 | $13,408 | 18.0% |
| Florida | $61,593 | $13,408 | 18.0% |
| Nevada | $61,593 | $13,408 | 18.0% |
| New Hampshire | $61,593 | $13,408 | 18.0% |
| South Dakota | $61,593 | $13,408 | 18.0% |
| Tennessee | $61,593 | $13,408 | 18.0% |
| Texas | $61,593 | $13,408 | 18.0% |
| Washington | $61,593 | $13,408 | 18.0% |
| Wyoming | $61,593 | $13,408 | 18.0% |
| North Dakota | $61,389 | $13,611 | 18.0% |
| Ohio | $60,246 | $14,754 | 20.0% |
| Arizona | $59,926 | $15,074 | 20.0% |
| Louisiana | $59,729 | $15,271 | 20.0% |
| Indiana | $59,380 | $15,620 | 21.0% |
| Iowa | $59,354 | $15,646 | 21.0% |
| Pennsylvania | $59,290 | $15,710 | 21.0% |
| New Mexico | $59,233 | $15,767 | 21.0% |
| Rhode Island | $59,200 | $15,800 | 21.0% |
| North Carolina | $59,109 | $15,891 | 21.0% |
| Kentucky | $59,085 | $15,915 | 21.0% |
| Missouri | $59,005 | $15,995 | 21.0% |
| Colorado | $59,001 | $15,999 | 21.0% |
| Wisconsin | $58,961 | $16,039 | 21.0% |
| New Jersey | $58,940 | $16,061 | 21.0% |
| Nebraska | $58,884 | $16,116 | 21.0% |
| Arkansas | $58,851 | $16,149 | 22.0% |
| West Virginia | $58,816 | $16,184 | 22.0% |
| Vermont | $58,753 | $16,247 | 22.0% |
| Oklahoma | $58,718 | $16,282 | 22.0% |
| Montana | $58,716 | $16,284 | 22.0% |
| Mississippi | $58,685 | $16,316 | 22.0% |
| California | $58,652 | $16,348 | 22.0% |
| Idaho | $58,471 | $16,529 | 22.0% |
| Michigan | $58,405 | $16,595 | 22.0% |
| Georgia | $58,323 | $16,677 | 22.0% |
| South Carolina | $58,250 | $16,750 | 22.0% |
| Maryland | $58,242 | $16,758 | 22.0% |
| Connecticut | $58,218 | $16,783 | 22.0% |
| Utah | $58,218 | $16,783 | 22.0% |
| District of Columbia | $58,164 | $16,836 | 22.0% |
| New York | $58,140 | $16,861 | 22.0% |
| Virginia | $58,041 | $16,959 | 23.0% |
| Alabama | $58,033 | $16,968 | 23.0% |
| Minnesota | $58,016 | $16,984 | 23.0% |
| Illinois | $57,880 | $17,120 | 23.0% |
| Delaware | $57,874 | $17,127 | 23.0% |
| Massachusetts | $57,843 | $17,158 | 23.0% |
| Kansas | $57,696 | $17,304 | 23.0% |
| Maine | $57,347 | $17,653 | 24.0% |
| Hawaii | $57,336 | $17,664 | 24.0% |
| Oregon | $55,604 | $19,396 | 26.0% |
Single filer, $75,000 gross, 2026 estimate — federal + FICA + state. Before state credits and local taxes.
How we calculate this
Every number on this page comes from the same three-layer math the calculator runs — published rates, no black box:
- Federal income tax. gross pay minus the standard deduction runs through the 2026 marginal brackets — only dollars inside each bracket pay that bracket's rate.
- FICA. Social Security at 6.2% up to the annual wage base, plus Medicare at 1.5% on everything (and an extra 0.9% above $200,000).
- State income tax. your state's published treatment — nine states take nothing, some are flat, the rest use their own bracket tables.
- Per-paycheck split. annual net ÷ your pay frequency (52 weekly, 26 biweekly, 12 monthly).
Assumptions
- Standard deduction, no credits, no local/city taxes — Denver's head tax or NYC's income tax are extra.
- The Social Security wage base shown for the year is a pre-announcement estimate until SSA publishes the official figure each fall.
- Estimates of annual liability, not exact withholding — your W-4 controls what each paycheck actually withholds.
Sources
Last reviewed: July 13, 2026
Frequently asked questions
How much of my paycheck do I actually take home?+
Most workers keep roughly 70–85% of their gross pay after taxes. Federal income tax, Social Security (6.2%), Medicare (1.45%), and any state income tax all come out before you're paid. The exact percentage depends on your salary, filing status, state, and pre-tax deductions like a 401(k). Enter your details above for your take-home number.
What taxes come out of my paycheck?+
Four main ones: federal income tax (based on your W-4 and the IRS brackets), Social Security tax (6.2% up to the annual wage base), Medicare tax (1.45%, plus 0.9% on high earnings), and state income tax if your state has one. Nine states — including Texas and Florida — have no state income tax, so residents there keep more of each paycheck.
How is take-home pay different by state?+
The federal and FICA taxes are the same everywhere, but state income tax varies a lot. A $70,000 salary takes home noticeably more in a no-tax state like Texas than in a high-tax state like California or New York. Some states use a single flat rate; others have progressive brackets. Pick your state above to see the difference.
What's the difference between gross pay and net pay?+
Gross pay is your salary before any deductions — the number in your offer letter. Net pay (take-home pay) is what actually lands in your bank account after taxes and deductions come out. This calculator converts your gross salary into estimated net pay, both annually and per paycheck.
How do 401(k) and other pre-tax deductions affect my paycheck?+
Pre-tax deductions like a traditional 401(k), HSA, or health insurance premiums lower your taxable income, so you pay less income tax now — though they also reduce your take-home pay by the amount contributed. Add your annual pre-tax deductions above and the calculator lowers your federal and state taxable income accordingly.
Is this paycheck calculator accurate?+
It gives a solid estimate using 2026 federal brackets, FICA rates, and state tax rates, but it's not a substitute for your actual pay stub. Real paychecks can differ due to local taxes, specific W-4 settings, benefit deductions, and exact state brackets. Use this to plan and sanity-check, not for official figures.
This tool estimates take-home pay using 2026federal brackets, FICA rates, and each state's 2026 tax brackets and standard deduction. It is not a substitute for your actual pay stub — local taxes, state credits, specific W-4 settings, and pre-tax deductions can change the result. Consult a tax professional for advice.