2026 tax year · All 50 states + DC tax profile
Know your paycheck before payday.
Estimate your take-home pay with current federal withholding, FICA, and state tax rules in one clear view.
Looking for District of Columbia tax information? View the DC tax profile. DC withholding is not calculated here.
Fine-tune your W-4 details
Dollar amounts are entered per paycheck. Health insurance is treated as a pre-tax deduction.
Estimated take-home
$2,504.22
Per paycheck after estimated taxes
Estimates use your 2026 inputs. Actual paychecks can vary with employer payroll settings and benefits.
Comprehensive tax guide
Understanding Your 2026 Take-Home Pay & Withholding Mechanics
Navigating payroll deductions requires a clear understanding of how federal brackets, statutory insurance contributions, and state-specific tax formulas interact across different pay frequencies.
Federal Income Tax Withholding
Calculated using official IRS Publication 15-T percentage methods based on your Form W-4 filing status, pay periods, dependent credits, and multiple-job selections.
FICA Payroll Contributions
Includes mandatory federal programs: 6.2% Social Security tax up to the $184,500 wage base limit and 1.45% base Medicare tax with no upper earning ceiling.
2026 at a glance
State income tax rates compared
A quick reference for how each state treats wage income in 2026. Select a state for the full breakdown, including FICA and any local or payroll-specific taxes.
| State | Structure | 2026 rate |
|---|---|---|
| Alaska | None | No income tax |
| Alabama | Graduated | 2%–5% |
| Arkansas | Graduated | 2%–3.9% |
| Arizona | Flat | 2.5% flat |
| California | Graduated | 1%–13.3% |
| Colorado | Flat | 4.4% flat |
| Connecticut | Graduated | 2%–6.99% |
| Delaware | Graduated | 2.2%–6.6% |
| Florida | None | No income tax |
| Georgia | Flat | 5.19% flat |
| Hawaii | Graduated | 1.4%–11% |
| Iowa | Flat | 3.8% flat |
| Idaho | Flat | 5.3% flat |
| Illinois | Flat | 4.95% flat |
| Indiana | Flat | 2.95% flat |
| Kansas | Graduated | 5.2%–5.58% |
| Kentucky | Flat | 3.5% flat |
| Louisiana | Flat | 3% flat |
| Massachusetts | Graduated | 5%–9% |
| Maryland | Graduated | 2%–6.5% |
| Maine | Graduated | 5.8%–7.15% |
| Michigan | Flat | 4.25% flat |
| Minnesota | Graduated | 5.35%–9.85% |
| Missouri | Graduated | 2%–4.7% |
| Mississippi | Flat | 4% flat |
| Montana | Graduated | 4.7%–5.65% |
| New Mexico | Graduated | 1.5%–5.9% |
| North Carolina | Flat | 3.99% flat |
| North Dakota | Graduated | 1.95%–2.5% |
| Nebraska | Graduated | 2.46%–4.55% |
| New Hampshire | None | No income tax |
| New Jersey | Graduated | 1.4%–10.75% |
| New York | Graduated | 3.9%–10.9% |
| Nevada | None | No income tax |
| Ohio | Flat | 2.75% flat |
| Oklahoma | Graduated | 2.5%–4.5% |
| Oregon | Graduated | 4.75%–9.9% |
| Pennsylvania | Flat | 3.07% flat |
| Rhode Island | Graduated | 3.75%–5.99% |
| South Carolina | Graduated | 0%–6% |
| South Dakota | None | No income tax |
| Tennessee | None | No income tax |
| Texas | None | No income tax |
| Washington | None | No wage tax |
| Utah | Flat | 4.5% flat |
| Virginia | Graduated | 2%–5.75% |
| Vermont | Graduated | 3.35%–8.75% |
| Wisconsin | Graduated | 3.5%–7.65% |
| West Virginia | Graduated | 2.22%–4.82% |
| Wyoming | None | No income tax |
Common questions
Paycheck calculator FAQ
What is the 2026 Social Security wage base?
The 2026 Social Security wage base is $184,500. Employees pay 6.2% Social Security tax on wages up to that limit; income earned above it is exempt from additional Social Security withholding for the rest of the year. Medicare tax (1.45%) has no wage cap and applies to all wages.
Which states have no state income tax in 2026?
Eight states levy no individual income tax on wages in 2026: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, and Wyoming. Washington taxes capital gains for high earners but not wages or salary, so it functions like a no-income-tax state for paycheck purposes.
What is the difference between gross pay and net pay?
Gross pay is total earnings before any taxes or deductions. Net pay (take-home pay) is what's deposited after subtracting federal income tax, FICA (Social Security and Medicare), state income tax where applicable, and any pre-tax deductions like 401(k) or health insurance contributions.
What is the 2026 federal standard deduction?
For the 2026 tax year, the federal standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. This affects annual tax liability rather than per-paycheck withholding directly, but it's built into the IRS withholding tables this calculator uses.
How accurate is a paycheck calculator?
A paycheck calculator using current IRS withholding tables and verified state tax rates is highly accurate for estimating typical paychecks. Results can vary slightly from your actual pay stub due to employer-specific benefit elections, local municipal taxes not entered, or non-standard pay situations like bonuses taxed at supplemental rates.
Browse by location
State paycheck calculators and DC tax profile
Choose a state for a location-specific estimate. DC has an informational tax profile, not a paycheck calculator.
The DC directory card links to its informational profile; the interactive calculator supports the 50 states only.
A useful estimate, not a payroll promise.
QuickEstimators uses the 2026 federal withholding tables and current state tax treatment. Your employer may use different benefit deductions, payroll timing, or withholding settings.
Built for the next decision.
Compare pay frequencies, adjust your W-4 details, and keep a link to the estimate you want to revisit.