Take-Home Pay Calculator
National take-home estimate — choose your state, then salary or hourly pay. Uses the same TY2026 federal + FICA engine as the state paycheck pages. Click any i for detail.
Paycheck inputs
State
i
State
Uses that state’s income-tax sketch from the Calcscape paycheck pack. No-wage-tax states are federal + FICA only. |
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How do you get paid?
i
Income mode
Annual salary, hourly wage, or gross per paycheck. |
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Annual salary ($)
i
Annual salary
Yearly wage before taxes. |
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Hourly rate ($)
i
Hourly rate
Base hourly wage. |
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Hours per week
i
Hours per week
Typical scheduled hours. No overtime modeled. |
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Gross pay per paycheck ($)
i
Gross per paycheck
Wages before taxes on one stub. |
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Pay frequency
i
Pay frequency
How often you are paid. We annualize, then divide back per check. |
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Filing status
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Filing status
Used for federal brackets and state rules that differ for joint filers. |
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Pre-tax deductions / paycheck ($)
i
Pre-tax deductions
401(k)/HSA-style amounts per check that reduce income-tax wages. FICA still uses full gross. |
How to use this calculator
- Pick your state.
- Choose annual salary, hourly wage, or gross per paycheck.
- Enter frequency, filing status, and pre-tax deductions.
- Read estimated take-home for one pay period.
Results explained
Same math as the dedicated state paycheck pages: annualize wages, subtract pre-tax and deductions, apply TY2026 federal brackets, the selected state’s tax pack, and FICA, then divide by pay periods.
Quick reference: TY2026 federal + state pack
Switch states to swap the state module; federal and FICA stay the same.
| Item | Detail |
|---|---|
| Federal std. deduction (2026) | $16,100 single / $32,200 joint / $24,150 HOH |
| Social Security | 6.2% up to $184,500 wages |
| Medicare | 1.45% + 0.9% Additional Medicare above threshold |
| State tax | Depends on the state you select |
| Dedicated state URLs | Use those pages when you want state-specific copy and examples |
Local city/occupational taxes are generally not modeled. Illinois: Illinois paycheck calculator.
How the estimate is built
Annual gross = pay × periods. Federal taxable ≈ gross − pre-tax − federal standard deduction. State taxable uses that state’s deduction/exemption sketch. Per-check taxes = annual ÷ periods. Net ≈ gross − pre-tax − federal − state − FICA.
Example scenario
Pick Texas (no wage tax) vs Illinois (4.95% flat) on the same $78k salary to see how the state line changes take-home.
FAQ
Why pick a state?
Federal + FICA is shared; state income tax is not. No-wage-tax states show $0 on the state line.
Is this ADP or your payroll?
No. It’s an educational liability sketch divided by pay periods.
Missing my state?
We keep adding state packs. Use a nearby similar-tax state only as a rough stand-in.
Tax year?
TY2026 federal tables plus each state’s encoded pack.