Paycheck Calculator 2026
Your paycheck after taxes for hourly or salary pay, weekly to monthly, in any state. See each deduction, from federal tax to state disability insurance.
Paid 52 weeks a year. Overtime is not included.
401(k), health insurance and more
Traditional (pre-tax). Roth contributions don't lower your taxes, leave them out.
Pre-tax deductions taken from each paycheck.
Children 17 and older, or relatives you support ($500 credit each).
Only if your city or county charges an income tax.
Take-home pay every two weeks
$1,369.45
$35,605.60 a year, 85.6% of your gross pay. 2026 tax rules, Florida, single.
Where each paycheck goes
- Take-home 86%
- Federal income tax 7%
- Social Security and Medicare 8%
| Per paycheck | Per year | |
|---|---|---|
| Gross pay | $1,600.00 | $41,600.00 |
| Federal income tax | −$108.15 | −$2,812.00 |
| Social Security (6.2%) | −$99.20 | −$2,579.20 |
| Medicare (1.45%) | −$23.20 | −$603.20 |
| Florida income taxno state income tax on wages | $0.00 | $0.00 |
| Take-home pay | $1,369.45 | $35,605.60 |
Federal income tax, step by step
| Gross pay | $41,600.00 |
|---|---|
| Adjusted gross income | $41,600.00 |
| Standard deduction | −$16,100.00 |
| Taxable income | $25,500.00 |
| Tax from the 2026 brackets | $2,812.00 |
| Federal income tax | $2,812.00 |
Top bracket 12%. The full bracket table is on the income tax calculator.
This is an estimate, not tax advice. It uses the published rules for the tax year shown and leaves out situations a short form cannot ask about. For a decision, check with the IRS, your state, or a tax professional.
How this is calculated
The calculator works out a full year of tax for 2026 and divides it by the number of paychecks: 52 weekly, 26 every two weeks, 24 twice a month or 12 monthly. Your employer's withholding aims at the same yearly amount, but it uses the W-4 you filled in and its own payroll tables, so single paychecks can differ by a few dollars.
Federal income tax
Pre-tax 401(k) contributions and pre-tax benefits come off first. Then the 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household), the extra deduction for people 65 and older, and the tax brackets from IRS Rev. Proc. 2025-32. The child tax credit of $2,200 per child under 17 and $500 for other dependents come off the tax.
Social Security and Medicare
Social Security is 6.2% of pay up to $184,500 in 2026 ($192,300 in 2027). Medicare is 1.45% of all pay, plus 0.9% on pay above $200,000. 401(k) contributions don't lower these taxes; pre-tax health insurance and HSA contributions through your employer do.
State and local tax
Each state's 2026 brackets, deductions, exemptions and credits come from its revenue department, with employee contributions such as California SDI or paid family leave in Washington, New Jersey and Massachusetts. Where a state hasn't published a 2026 amount yet, the state page says which value is used. City and county income taxes (New York City, Ohio cities, Pennsylvania, Maryland counties and others) vary by address, so you can add the rate yourself.
What it leaves out
Itemized deductions, income other than wages, the earned income credit, bonuses (often withheld at a flat 22% federally), overtime pay and the new deduction for tips and overtime. If you have those, the income tax calculator covers more of the federal side.
Paycheck calculator by state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Sources
Checked against the sources below on .
- IRS Rev. Proc. 2025-32 (2026 tax brackets, standard deduction, child tax credit)
- IRS Notice 2025-67 (2026 retirement plan and IRA limits)
- Social Security Administration: Contribution and Benefit Base
- IRS: Questions and answers for the Additional Medicare Tax
- Public Law 119-21 (One Big Beautiful Bill Act), §§ 70103, 70201, 70202
Questions people ask
How much is a $20 an hour paycheck after taxes?
At 40 hours a week in a state without income tax such as Florida, $20 an hour is $1,600.00 gross every two weeks and about $1,369.45 after federal tax, Social Security and Medicare (single, 2026). With 6% going to a 401(k) it is about $1,284.97.
How many paychecks are in a year?
52 if you're paid weekly, 26 every two weeks, 24 twice a month and 12 monthly. In some years a biweekly schedule has 27 paydays; the yearly tax stays the same, so each paycheck is a little smaller then.
Which taxes come out of a paycheck?
Federal income tax, Social Security (6.2%) and Medicare (1.45%) everywhere; state income tax in 41 states and D.C. that tax wages; and in some states employee contributions for disability or paid family leave. Some cities and counties add a local income tax.
Does the calculator include overtime?
No. Enter your regular hours. For a week with overtime, the time card calculator adds overtime at 1.5 times your rate for hours over 40.