Net Pay Calculator
Estimate take-home pay in any US state
Enter your pay, state, and filing status to see an estimate after federal income tax, FICA, and modeled state and local taxes. You can add deductions and switch between 2025 and 2026. The calculation runs in your browser. Browse the state guides for more detail on published locations.
How the calculation works
The calculator converts your pay to an annual amount, applies the selected year’s federal and state rules, then divides the result by your pay periods. Social Security and Medicare are calculated separately from income tax.
Results update as you change the inputs, with an itemized tax breakdown beside the form. Form values are not sent to a calculation API. If you share a result, the selected values are encoded in the link’s URL.
What goes into the estimate
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Federal income tax: An annualized estimate based on current brackets, filing status, standard deductions, and modeled credits.
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FICA taxes: Social Security is 6.2% up to the wage base. Medicare is 1.45%, plus 0.9% Additional Medicare Tax for high earners.
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State income tax: State-specific models for all 50 states plus DC, including progressive, flat, and zero-income-tax systems.
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Local taxes: New York City personal income tax plus 28 selectable municipal or county jurisdictions. These jurisdictions are across Pennsylvania, Ohio, Michigan, Indiana, Kentucky, and Missouri.
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Pre-tax deductions: HSA, FSA, and 401(k) contributions that reduce your taxable income.
States and tax years
You can select any of the 50 states, Washington, DC, or a supported territory for 2025 or 2026. Reviewed guides are available for California, Texas, Florida, New York, Illinois, Ohio, Pennsylvania, New Jersey, Washington, and Massachusetts.
State rules make a difference: some states do not tax wages, while others use flat or progressive rates or collect employee contributions for disability and paid leave. The methodology explains the model; the sources page lists the government references.
To compare pay quoted on different schedules, use the salary-to-hourly converter for annual, monthly, weekly, or biweekly gross pay.
Useful details
Results as you type
Change a number or tax setting and the estimate updates without submitting the form.
Itemized deductions
See modeled federal, state, and local amounts separately from employee payroll contributions.
Source references
Check the IRS, Social Security, state, and local publications used in the model.
Shareable links
Copy a link with the selected inputs so someone else can see the same scenario.
Reading your paycheck breakdown
The breakdown separates the amounts subtracted from gross pay. Your effective tax rate summarizes modeled taxes and employee payroll contributions as a share of gross earnings. A marginal tax rate applies to the next dollar of taxable income; it is not the rate paid on your whole salary.
Social Security’s 6.2% employee tax applies only up to the annual wage base: $184,500 in 2026 and $176,100 in 2025. If you reach that limit during the year, your actual paychecks may change even though this tool shows an annualized average.
Note: This take home pay calculator provides mathematical estimates for planning purposes. Actual withholding may vary based on your year-to-date earnings, W-4 elections, employer payroll setup, and other factors. For specific tax advice, consult a qualified tax professional.