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Take-home pay calculator

What actually lands in your bank account. Enter a salary or hourly rate and see each tax on one paycheck.

Your pay

2026 rates. Saved in this browser only.

PAY STUB · EVERY 2 WEEKSEASYTAXCALC
Take-home per paycheck
$2,092.60
Gross pay$2,500.00
Federal income tax$216.15
Social Security 6.2%$155.00
Medicare 1.45%$36.25
State income tax$0.00
Net pay$2,092.60

$54,408 a year · $4,534 a month · 16.3% of gross goes to taxes and pre-tax savings

Ask about these numbers

An AI explainer reads the figures on this page and answers in plain English. Your question and inputs are sent to it only when you press Ask; nothing is stored.

What comes out of a paycheck

Federal income tax follows the brackets after the standard deduction. Social Security is 6.2% of wages up to $184,500 in 2026, so very high earners see it stop partway through the year. Medicare is 1.45% of all wages, plus 0.9% above $200,000. State tax ranges from nothing in nine states to over 13% at the top in California.

For self-employed income use the 1099 tax calculator; if your paychecks don’t withhold enough, the W-4 calculator shows the fix.

Questions people ask

How do I calculate take-home pay?

Start with gross pay. Subtract pre-tax deductions (401(k), HSA, health premiums), federal income tax, Social Security (6.2%), Medicare (1.45%), and state and local income tax. What remains is net pay. The calculator does this for a full year, then divides by your pay frequency.

How much is $60,000 a year after taxes?

For a single filer in 2026 with no pre-tax deductions, about $49,000 in a state with no income tax: roughly $5,000 of federal income tax and $4,590 of Social Security and Medicare. State tax lowers it further, for example by about $2,300 in a 4% flat-tax state.

Why is my actual paycheck different?

Payroll withholding uses the IRS Publication 15-T tables and your W-4, which approximate the annual tax but rarely match it to the dollar. Health insurance, dependent care, local taxes, and state disability insurance (in CA, NJ, NY and a few others) also come out and vary by employer.

Do pre-tax contributions increase take-home pay?

They reduce it, but by less than the amount contributed: a $100 contribution to a traditional 401(k) costs about $78 of take-home pay in the 22% bracket, because it is not subject to federal (and most state) income tax. It still owes Social Security and Medicare.