Take-Home Paycheck Calculator

Estimate your net take-home pay after federal tax, state tax, and FICA — by paycheck, month, or year. 2026 estimate.

Updated June 2026 · Reviewed by the apitpi team · How we calculate

Gross annual salary$Filing statusStatePre-tax deductions (401k, health, per year)$Lowers your taxable income.Pay frequency

Take-home pay (bi-weekly)

$2,233

$58,059 net per year · 22.6% effective tax

Federal tax: $7,670
State tax: $3,534
Social Security: $4,650
Medicare: $1,088

Estimate only. Uses 2026 federal brackets, the standard deduction, and FICA. State tax uses an approximate effective rate and does not model local taxes, credits, or itemized deductions. Not tax advice.

Understand your paycheck

Your gross salary is rarely what lands in your bank account. Federal and state income taxes, plus Social Security and Medicare, are withheld before you are paid. Contributing to a pre-tax 401(k) or HSA lowers your taxable income — try adding pre-tax deductions to see your take-home and tax change.

This tool provides estimates for informational purposes only and is not tax advice. Consult a tax professional for your specific situation.

Paycheck calculator by state

State income tax changes your take-home pay significantly. Pick your state for a pre-filled estimate:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware 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

Frequently asked questions

How is my take-home pay calculated? +

We subtract estimated federal income tax (using 2026 brackets and the standard deduction), Social Security and Medicare (FICA), and an estimated state income tax from your gross salary. Pre-tax deductions like 401(k) and health premiums reduce your taxable income.

How accurate is the state tax estimate? +

State tax uses an approximate effective rate per state and the no-income-tax states are set to zero. It does not model local taxes, credits, or itemized deductions, so treat it as a guide rather than an exact figure.

What is FICA? +

FICA is the payroll tax that funds Social Security (6.2% up to an annual wage cap) and Medicare (1.45%, plus 0.9% on high earners). It is withheld from every paycheck.

Is this paycheck calculator free? +

Yes. It is free, requires no signup, and your salary details never leave your browser.