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Paycheck Calculator 2026 β€” Estimate Your Take-Home Pay

Estimate net pay after 2026 federal tax, FICA, pre-tax deductions, and a simplified state tax estimate.

Based on 2026 US Federal tax rules (IRS Rev. Proc. 2025-32)

Pre-tax Deductions (optional)

Net Take-Home (Biweekly)

$2,639.52

Gross Pay (Biweekly)

$3,269.23

Annual Breakdown

Gross Pay$85,000
Pre-tax Deductions- $0
Federal Income Tax- $9,870
Social Security (6.2%)- $5,270
Medicare (1.45%)- $1,232.50
State Tax (no income tax)$0
Net Take-Home (annual)$68,628

Federal taxable income after standard deduction: $68,900 Β· Marginal federal bracket: 22%

Pay Breakdown

Take-home$68,628
Federal tax$9,870
FICA$6,503

About Paycheck Calculator

Our free 2026 Paycheck Calculator estimates your take-home pay after federal income tax, FICA (Social Security and Medicare), pre-tax deductions, and a simplified state tax estimate.

Uses precise 2026 IRS federal brackets and standard deductions (Rev. Proc. 2025-32). FICA includes the Social Security wage base and Additional Medicare thresholds.

Supports annual or hourly salary input, all common pay frequencies, filing status, and optional 401(k), health insurance, and HSA deductions.

Read the full guide: Paycheck calculator guide β€” gross vs net, FICA, and tax brackets

When Should You Use Paycheck Calculator?

Job offer comparison

See estimated net pay before accepting a new salary.

Raise planning

Understand how a raise affects take-home after progressive tax brackets.

Budgeting

Convert annual salary to per-paycheck amounts for monthly budgets.

401(k) decisions

See how pre-tax retirement contributions lower federal tax.

Relocation

Compare take-home between no-income-tax and taxed states.

Frequently Asked Questions

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