2026 federal + state paycheck calculator

Understand your paycheck.

See exactly what comes out, why you're paying it, and how benefits and W-4 choices change what you keep—without the payroll jargon.

Official 2026 rulesAll 50 states and DC verifiedNo account required

Your details

Estimate your pay

Simple mode

How are you paid?

Annual salary

Your gross salary before taxesHow often are you paid?Tax filing status

I have more than one jobLeave this unchecked only if this is your household's only income. Otherwise each employer withholds as if it were, and together they take out thousands too little.

Work stateHome stateWhere do you do the work?Some states tax remote work as if it happened at the employer's office when you chose to work from home, so the reason matters.

Federal + state estimate Verified 2026 rules are live for all 50 states and the District of Columbia. New York local tax is included — select your locality in Advanced options.

Estimated take-home pay2026 · Federal + NY

$2,469.36per paycheck

You keep 75.5% of this paycheck after included federal, state, and entered payroll deductions.

Monthly$5,350

Annual$64,203

Included taxes24.5%

Where your paycheck went

From gross pay to take-home

Every 2 weeks

Gross pay $3,269.23

Federal income tax Why?−$379.62

Why is this withheld?

We annualize federal taxable wages, include your W-4 income and deduction adjustments, subtract the 2026 standard deduction for single, and apply tax brackets in layers.

$85,000 adjusted income− $16,100 standard deduction= $68,900 taxable

Tax year 2026 · IRS Revenue Procedure 2025-32 ↗ · Form W-4 ↗

New York income tax Why?−$154.84

Why is this withheld?

We annualize this paycheck's state-taxable wages, apply the supported state-certificate inputs, then use the official 2026 nys method ii exact calculation.

$85,000 annualized state wages0 entered allowances / exemptions$4,026 estimated annual withholding

Tax year 2026 · Official New York withholding source ↗

New York DBL + PFL Why?−$15.32

Disability and Paid Family Leave

New York employers may deduct the statutory disability contribution of 0.5% of wages, capped at sixty cents a week, plus the 2026 Paid Family Leave contribution of 0.432% of gross wages, capped at $411.91 for the year. Your employer may pay some or all of either share.

Tax year 2026 · NYS Paid Family Leave 2026 rates ↗

Social Security Why?−$202.69

Why is this withheld?

Employees pay 6.2% on covered wages up to the 2026 annual wage base of $184,500. This paycheck has $3,269.23 of FICA-taxable wages.

Tax year 2026 · IRS Publication 15 ↗

Medicare Why?−$47.40

Why is this withheld?

Employees pay 1.45% on covered wages with no wage cap. An additional 0.9% applies to employer-paid wages over $200,000 in the year.

Tax year 2026 · IRS Publication 15 ↗

Local withholdingLocation needed

New York locality of residence is required for local withholding

Estimated take-homeFederal and state included · local excluded

$2,469.36

New York locality of residence is required for local withholding. Select it in Advanced options.

Your actual paycheck may differ based on payroll-specific rules and year-to-date wages.

What if?

Try the next decision before you make it.

Each card reruns your current inputs through the same 2026 tax engine.

Scenario

Get a $5,000 raise

See how much of a $5,000 annual raise reaches your bank account.

+$3,217annual take-home

+$123.72 / paycheck+$268 / month

Gross raise$5,000.00

Solve for the raise you need →

Scenario

Increase your 401(k) to 6%

Trade some cash take-home for additional traditional retirement savings.

−$3,702annual take-home

−$142.40 / paycheck−$309 / month

Annual contribution$5,099.90

What contributing costs you →Decision tool

Compare a new job offer

Put two salaries, states, schedules, and benefit choices side-by-side.

Open comparison →

Plan the next move

A salary only matters after the deductions.

Use the same verified calculation to compare an offer or work backward from the take-home increase you want.

Compare two jobsSee the actual take-home difference →Reverse raise calculatorFind the gross raise your goal needs →

State paycheck guides

Start with your state's verified rules.

Working calculators, useful salary examples, local-tax boundaries, FAQs, and official sources—without thin placeholder pages.

Methodology

Every number should be explainable.

The estimate annualizes this paycheck, applies verified 2026 federal and supported state rules, and then brings the annual result back to one pay period. All fifty states and the District of Columbia now cover exact schedules, flat-rate methods, state payroll contributions, and verified zero-tax outcomes.

Local withholding is calculated in Colorado, Delaware, Indiana, Maryland, Michigan, Missouri, New York, Ohio, and Pennsylvania, from the locality you select in Advanced options, and across a state line as well, because each jurisdiction levies its tax independently of the other. Everywhere else the local layer stays visibly unsupported instead of assuming a rate.

See the full calculation method and sources →