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Paycheck Calculator by State

Estimate 2026 take-home pay from gross wages, pay frequency, filing status, and U.S. state, with federal brackets, FICA, and simplified state tax.

$
% of gross
%
Estimated net per paycheck
$2,092.60
Gross per paycheck$2,500.00
Gross annual65,000
Pretax 401(k) / HSA (annual)$0.00
Federal income tax (annual)$5,620.00
State income tax (annual)$0.00
Local tax (annual)$0.00
Social Security tax (annual)$4,030.00
Medicare tax (annual)$942.50
Total tax (annual)$10,592.50
Effective tax rate16.3%
Net annual take-home$54,407.50
Net monthly (annual ÷ 12)$4,533.96
State usedTexas (no wage tax)
Filing statusSingle
Tax year2026 (estimate)
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How to use this paycheck calculator by state

A paycheck calculator by state is what people want after a job offer: not hourly-to-annual, but net after federal, FICA, and state withholding. This is a planning estimate for tax year 2026, not a W-4 or a payroll run. It assumes the standard deduction, one job, no itemized deductions, no dependents, and no pretax benefits except the percent you enter.

Nine states have no wage income tax (AK, FL, NV, NH, SD, TN, TX, WA, WY). Other states use a single planning rate, not the full bracket table plus local credits. City tax (NYC, some Ohio cities) belongs in the local percent box. Traditional 401(k) lowers federal and state taxable wages here but not FICA — that matches typical employee withholding.

Formula

Annualize gross. Employee Social Security is 6.2% up to the 2026 wage base of $184,500; Medicare is 1.45% plus 0.9% additional Medicare over $200,000 ($250,000 joint). Federal income tax uses 2026 brackets after the standard deduction. State tax is a simplified rate on wages after pretax deferrals (0% in no-tax states). Net = gross − pretax − federal − state − local − FICA.

Worked example

$2,500 biweekly, single, Texas: $65,000 gross. After 2026 standard deduction, federal tax, Social Security, and Medicare — and $0 state wage tax — take-home is about $2,090 per check (estimate).

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Frequently asked questions

Is this paycheck calculator exact?

No. It is a 2026 estimate: federal brackets and standard deduction, FICA, and a simplified state rate. It is not TurboTax, a W-4, or your employer’s payroll engine.

Which states have no income tax on wages?

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire still taxes some investment income, not wages.

Does 401(k) reduce Social Security tax?

Traditional employee 401(k) deferrals usually still face Social Security and Medicare. This tool treats pretax percent that way.

Biweekly vs semimonthly?

Biweekly is 26 checks; semimonthly is 24. The same annual salary produces different check sizes.

Why is my real net different?

Health premiums, dependents, extra withholding, bonuses, and city tax change take-home. Use this as a ballpark, then confirm with payroll.

Results are estimates for informational purposes and are not financial, legal, or professional advice. Last reviewed 2026-08-20.