Paycheck Calculator

Pick your state to see take-home pay after federal, state and FICA taxes. Free, no signup, updated for 2026.

All 50 states and Washington DC

No state income tax

Federal and FICA only
Alaska0%Florida0%Nevada0%New Hampshire0%South Dakota0%Tennessee0%Texas0%Washington0%Wyoming0%

States with income tax

Rate range shown
Alabama2%–5%Arizona2.5% flatArkansas2%–3.9%California1%–13.3%Colorado4.4% flatConnecticut2%–6.99%Delaware2.2%–6.6%District of Columbia4%–10.75%Georgia5.19% flatHawaii1.4%–11%Idaho5.3%–5.3%Illinois4.95% flatIndiana2.95% flatIowa3.8% flatKansas5.2%–5.58%Kentucky3.5% flatLouisiana3% flatMaine5.8%–7.15%Maryland2%–6.5%Massachusetts5%–9%Michigan4.25% flatMinnesota5.35%–9.85%Mississippi4%–4%Missouri2%–4.7%Montana4.7%–5.65%Nebraska2.46%–4.55%New Jersey1.4%–10.75%New Mexico1.5%–5.9%New York3.9%–10.9%North Carolina3.99% flatNorth Dakota1.95%–2.5%Ohio2.75%–2.75%Oklahoma2.5%–4.5%Oregon4.75%–9.9%Pennsylvania3.07% flatRhode Island3.75%–5.99%South Carolina3%–6%Utah4.5% flatVermont3.35%–8.75%Virginia2%–5.75%West Virginia2.22%–4.82%Wisconsin3.5%–7.65%

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What comes out of a US paycheck

Every American paycheque has the same basic structure. Federal income tax is withheld according to the W-4 you filed with your employer, using the 2026 bracket tables after your standard deduction. On top of that sits FICA: Social Security at 6.2% of wages up to $184,500, and Medicare at 1.45% with no ceiling at all. High earners pay an extra 0.9% Medicare surtax above $200,000 single or $250,000 filing jointly.

State income tax is where paycheques diverge sharply. Nine states take nothing from wages. Fourteen charge a single flat rate. The rest use graduated brackets, and the top rate ranges from Ohio’s 2.75% to California’s 12.3%. On a $75,000 salary that difference is worth thousands of dollars a year.

The deductions you choose matter too, and not in the way most people assume. A traditional 401(k) contribution lowers your income tax but not your Social Security or Medicare. Pre-tax health premiums lower both, which makes them the more efficient dollar. Our calculators model the two separately rather than lumping them together.

Frequently asked questions

How do I calculate my take-home pay?

Start from gross pay, subtract pre-tax deductions like health premiums and 401(k) contributions, then subtract federal income tax, Social Security at 6.2%, Medicare at 1.45% and any state income tax. What is left is your net pay. Pick your state above and the calculator does all of it as you type.

Which states have no income tax?

Nine states do not tax wage income: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. Workers there pay only federal income tax and FICA.

Why is bi-weekly pay different from twice a month?

Bi-weekly means every two weeks, which is 26 paycheques a year. Semi-monthly means twice a month, which is 24. The annual total is the same but each bi-weekly cheque is smaller, and two months a year you get three cheques instead of two.

Does a 401(k) contribution reduce my payroll taxes?

It reduces your income tax but not Social Security or Medicare — those are still charged on the full amount. Pre-tax health insurance premiums are different: they reduce both. Most calculators blur this, so ours models them separately.

Is this calculator free?

Yes, and there is no signup. Everything runs in your browser, so nothing you type is sent to a server or stored.