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Paycheck Take-Home Pay Calculator

Estimate per-paycheck take-home pay from gross pay, 2026 US federal withholding, FICA, deductions, and manual state/local tax overrides.

Paycheck

Amount per pay period before taxes.

Matches W-4 Step 1 filing status.

State & local taxes

State taxes are not built in yet. Enter your state's effective rate, or leave at 0% for federal-only.

Use this for city, county, or other local withholding rates.

W-4 advanced

Uses the higher-withholding Pub. 15-T table when the logic supports it.

W-4 Step 3: children under 17.

W-4 Step 3: other dependents.

Annual amount from W-4 4a.

Annual amount from W-4 4b.

Extra amount withheld from each paycheck, W-4 4c.

Deductions

Pre-tax deductions

Traditional 401k, HSA, FSA, and similar deductions per paycheck.

DeductionPer period Actions

Post-tax deductions

Roth contributions, garnishments, or other after-tax deductions per paycheck.

DeductionPer period Actions

Paycheck take-home estimate

Gross pay
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Filing status
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Manual taxes
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Net pay
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Effective tax rate
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Net per period

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Estimated take-home each biweekly paycheck.

Use this net in the 50/30/20 budget Use this gross in the DTI calculator

Paycheck breakdown

Per-period values use the selected pay frequency.

Federal + FICA, with optional manual state/local overrides.

LinePer periodAnnual

Effective tax rate — Total tax divided by gross pay; pre-tax and post-tax deductions are not included.

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How this is calculated

The calculator annualizes gross pay and deductions using the selected pay frequency, computes 2026 federal withholding and FICA on the annual values, then divides the annual result back into the selected paycheck cadence.

W-4 advanced fields map to the post-2020 form: dependents reduce tentative annual federal tax, other income increases taxable wages, deductions over standard reduce taxable wages, and extra withholding is applied per paycheck.

State and local taxes are manual percentage overrides applied to gross pay after pre-tax deductions. Pre-tax rows are treated as reducing both federal and FICA wages in this v1 estimate.

Sources

  1. IRS Publication 15-T (2026) — Federal Income Tax Withholding Methods. Internal Revenue Service. Retrieved .
  2. Social Security & Medicare tax rates and 2026 wage base. Social Security Administration. Retrieved .

Method last reviewed

How we choose and check our formulas