How do I calculate my take-home pay in 2026?

From gross pay, subtract federal income tax (2026 brackets 10%-37% after the standard deduction of $16,100 single / $32,200 married), Social Security (6.2% up to $184,500), Medicare (1.45%, plus 0.9% on high earners) and state income tax (0% in Texas, Florida and Nevada up to over 10% in California or New York). What remains is your take-home pay.

Which states have no income tax in 2026?

Among the states here, Texas, Florida and Nevada have no state income tax. Arizona (2.5%), Colorado (4.4%), Illinois (4.95%), Georgia (5.19%) and North Carolina (3.99%, down from 4.25% in 2026) are flat-rate. California, New York, New Jersey and New Mexico are progressive.

United States · 2026 tables · no signup

US paycheck calculator — your 2026 take-home pay by state

See what actually lands in your check after federal tax, Social Security, Medicare and state tax, using the 2026 tables. Free, by state, no email required.

Calculate your take-home pay

Your gross pay

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Filing status

State where you work

Your estimated take-home pay

Where your money goes (per year)

Email me this breakdown + the tax changes that affect me

Methodology & data sources

The calculator annualizes your pay by frequency, subtracts the 2026 federal standard deduction (single $16,100 · joint $32,200 · head of household $24,150), and applies the 2026 federal brackets 10%-37% (IRS Rev. Proc. 2025-32). It adds Social Security (6.2% up to the 2026 wage base of $184,500), Medicare (1.45% plus the 0.9% additional tax on high earners), and state income tax for your state: none in Texas, Florida and Nevada; flat in Arizona, Colorado, Illinois, Georgia and North Carolina; progressive in California, New York, New Jersey and New Mexico, each with its own deduction or exemption. It's a take-home-pay estimate — it excludes voluntary withholding (401k, health insurance) and credits realized at filing (Child Tax Credit, EITC). Our Freshness Keeper checks these tables against the IRS and state revenue departments; the stamp shows the last verification, and we flag any state (like California) whose 2026 tables its tax authority hasn't published yet.

✅ Tables verified as of July 17, 2026 against the IRS and state tax departments · Take-home estimate, not tax advice.

Sources: IRS Rev. Proc. 2025-32 · Tax Foundation (federal 2026) · Tax Foundation (state 2026) · 2026 Social Security wage base $184,500 (SSA).

Frequently asked questions

How do I calculate take-home pay in 2026?

From gross, subtract federal tax (after the standard deduction), Social Security (6.2%), Medicare (1.45%) and state tax. What remains is your take-home. The calculator does it with the 2026 tables.

Which states have no income tax?

Texas, Florida and Nevada — so the same salary stretches further there than in California or New York.

Why does California say "2026 tables pending"?

California indexes its brackets for inflation yearly and its tax authority (FTB) hasn't posted 2026 tables yet. We use 2025 rates as a placeholder and tell you — rather than showing an unofficial 2026 number.

Does it include the Child Tax Credit or EITC?

No — those are credits claimed at filing, not in your paycheck. Use our Child Tax Credit & EITC calculator (coming soon) for those.