Paycheck Calculator: Take-Home Pay by State (2026)

Q: "How is take-home pay calculated?"

"We apply 2026 federal income tax brackets, FICA (Social Security 6.2% up to the $184,500 wage base, Medicare 1.45% plus 0.9% above the high-earner threshold), and your state's income tax. Take-home is your gross salary minus those taxes and any pre-tax 401(k) contributions."

Q: "Does this include state taxes?"

"Yes — all 50 states and DC, including the nine states with no tax on wage income. It excludes local/city income taxes (like New York City or Philadelphia)."

Q: "Is this tax advice?"

"No. It's an estimate for planning. Your actual taxes depend on credits, additional income, and local taxes. Consult a tax professional for advice."

Question 1

How is take-home pay calculated?

Answer

We apply 2026 federal income tax brackets, FICA (Social Security 6.2% up to the $184,500 wage base, Medicare 1.45% plus 0.9% above the high-earner threshold), and your state's income tax. Take-home is your gross salary minus those taxes and any pre-tax 401(k) contributions.

Question 2

Does this include state taxes?

Answer

Yes — all 50 states and DC, including the nine states with no tax on wage income. It excludes local/city income taxes (like New York City or Philadelphia).

Question 3

Is this tax advice?

Answer

No. It's an estimate for planning. Your actual taxes depend on credits, additional income, and local taxes. Consult a tax professional for advice.

Frequently Asked Questions