2026 tax year · IRS Rev. Proc. 2025-32
Paycheck Calculator: Hourly & Salary Take-Home Pay in 2026
Enter an hourly rate or annual salary to see what actually lands in your account after federal income tax, FICA, and state tax in all 50 states and DC — by week, two weeks, month, and year.
- 2026 federal brackets
- 50 states + DC
- 401(k) & health premiums
- Nothing leaves your browser
Your pay details
Live · no sign-upEstimated annual take-home pay
$43,962
15.5% total tax · gross $52,000 per year
- Take-home
- Federal
- State
- FICA
- Gross pay
- $52,000
- Total tax
- $8,038
- Federal bracket
- 12.0%
- Take-home / mo
- $3,664
Take-home pay by period
| Period | Gross | Taxes & deductions | Take-home |
|---|---|---|---|
| Annual Year | $52,000 | $8,038 | $43,962 |
| Monthly Month | $4,333 | $670 | $3,664 |
| Semi-monthly 2×/month | $2,167 | $335 | $1,832 |
| Bi-weekly Every 2 weeks | $2,000 | $309 | $1,691 |
| Weekly Week | $1,000 | $155 | $845 |
Estimate for a full year, 2026 federal and state rules. Not a paycheck stub — see the assumptions below.
How this paycheck estimate is built
Take a simple example: $25 an hour, 40 hours a week, single, in Texas. The calculator moves through four steps, and you can follow the same arithmetic on any pay stub.
- Gross pay. $25 × 40 hours × 52 weeks = $52,000. Hours per week and weeks per year both scale the result, so part-time or seasonal work is a one-field change.
- Pre-tax deductions. 401(k) deferrals and your share of health premiums come out first, which reduces every tax that follows. Here there are none.
- Federal income tax. Taxable income is $52,000 gross pay minus the $16,100 standard deduction, or $35,900. The seven 2026 brackets then apply in layers — 10%, 12%, 22%, 24%, 32%, 35%, 37% — so the top rate you reach is not the rate you pay overall.
- FICA and state tax. Social Security takes 6.2% up to $184,500 and Medicare 1.45% with no cap, for 7.65% of wages. State income tax depends entirely on where you live: $0 in Texas, $1,322 in California on the same $52,000.
Paycheck calculator by state
State income tax is the largest single difference between two identical salaries. Rates in 2026 run from 0% in nine states to 13.3% in California, and 26 states plus DC use graduated brackets. Pick a state for its bracket table, standard deduction, and worked salary examples.
- AlabamaTop rate 5%
- AlaskaNo income tax
- ArizonaTop rate 2.5%
- ArkansasTop rate 3.9%
- CaliforniaTop rate 13.3%
- ColoradoTop rate 4.4%
- ConnecticutTop rate 6.99%
- DelawareTop rate 6.6%
- District of ColumbiaTop rate 10.75%
- FloridaNo income tax
- GeorgiaTop rate 5.19%
- HawaiiTop rate 11%
- IdahoTop rate 5.3%
- IllinoisTop rate 4.95%
- IndianaTop rate 2.95%
- IowaTop rate 3.8%
- KansasTop rate 5.58%
- KentuckyTop rate 3.5%
- LouisianaTop rate 3%
- MaineTop rate 7.15%
- MarylandTop rate 6.5%
- MassachusettsTop rate 5%
- MichiganTop rate 4.25%
- MinnesotaTop rate 9.85%
- MississippiTop rate 4%
- MissouriTop rate 4.7%
- MontanaTop rate 5.65%
- NebraskaTop rate 4.55%
- NevadaNo income tax
- New HampshireNo income tax
- New JerseyTop rate 10.75%
- New MexicoTop rate 5.9%
- New YorkTop rate 10.9%
- North CarolinaTop rate 3.99%
- North DakotaTop rate 2.5%
- OhioTop rate 2.75%
- OklahomaTop rate 4.5%
- OregonTop rate 9.9%
- PennsylvaniaTop rate 3.07%
- Rhode IslandTop rate 5.99%
- South CarolinaTop rate 6%
- South DakotaNo income tax
- TennesseeNo income tax
- TexasNo income tax
- UtahTop rate 4.5%
- VermontTop rate 8.75%
- VirginiaTop rate 5.75%
- WashingtonNo income tax
- West VirginiaTop rate 4.82%
- WisconsinTop rate 7.65%
- WyomingNo income tax
Hourly wage to annual salary
At 40 hours a week and 52 weeks a year, an hourly rate multiplies by 2,080 to give annual pay. These pages break down common rates into annual, monthly, biweekly, and weekly figures, plus a take-home estimate.
- $15 an hour$31,200 a year
- $16 an hour$33,280 a year
- $17 an hour$35,360 a year
- $18 an hour$37,440 a year
- $19 an hour$39,520 a year
- $20 an hour$41,600 a year
- $21 an hour$43,680 a year
- $22 an hour$45,760 a year
- $23 an hour$47,840 a year
- $24 an hour$49,920 a year
- $25 an hour$52,000 a year
- $26 an hour$54,080 a year
- $27 an hour$56,160 a year
- $28 an hour$58,240 a year
- $29 an hour$60,320 a year
- $30 an hour$62,400 a year
- $32 an hour$66,560 a year
- $35 an hour$72,800 a year
- $38 an hour$79,040 a year
- $40 an hour$83,200 a year
- $45 an hour$93,600 a year
- $50 an hour$104,000 a year
- $55 an hour$114,400 a year
- $60 an hour$124,800 a year
- $65 an hour$135,200 a year
- $70 an hour$145,600 a year
- $75 an hour$156,000 a year
- $80 an hour$166,400 a year
- $90 an hour$187,200 a year
- $100 an hour$208,000 a year
- $125 an hour$260,000 a year
- $150 an hour$312,000 a year
2026 federal income tax brackets
The 2026 brackets were set by IRS Revenue Procedure 2025-32, which also made the seven-rate structure permanent under the One Big Beautiful Bill Act. Brackets apply to taxable income, not gross pay.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,750 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,750 – $256,200 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
Taxable income after the standard deduction. Source: IRS Revenue Procedure 2025-32.
Payroll taxes in 2026
FICA is fixed by statute and identical in every state, which makes it the easiest part of a paycheck to predict.
| Payroll tax | Rate | Applies to | 2026 maximum |
|---|---|---|---|
| Social Security | 6.20% | Wages up to $184,500 | $11,439.00 |
| Medicare | 1.45% | All wages, no cap | No limit |
| Additional Medicare | 0.90% | Wages above $200,000 single / $250,000 joint | No limit |
| Employee total | 7.65% | Most paychecks | — |
Your employer pays a matching 7.65%, which never appears on your pay stub. Self-employed workers pay both halves as self-employment tax.
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Paycheck calculator FAQ
How much is $25 an hour after taxes?
At $25 an hour for 40 hours a week — $52,000 a year — you would take home about $43,962 in a state with no income tax such as Texas, and about $42,640 in California. The difference is state income tax; federal tax and FICA are the same in both.
What is the 2026 standard deduction?
For tax year 2026 the standard deduction is $16,100 for single filers and married people filing separately, $24,150 for heads of household, and $32,200 for married couples filing jointly. These amounts come from IRS Revenue Procedure 2025-32 and are already applied in every calculation on this site.
How much is taken out of a paycheck?
A typical 2026 paycheck has four withdrawals: federal income tax, state income tax (not in nine states), Social Security (6.2% up to $184,500 of wages), and Medicare (1.45% on all wages). On $60,000 a year in Texas a single filer keeps $50,390, or 84.0% of gross pay. In California the same salary leaves $48,588.
Which states have no income tax on wages?
Nine states: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Washington does tax capital gains above about $278,000, and New Hampshire repealed its interest and dividends tax in 2025 — but none of them tax a normal paycheck.
Does a 401(k) contribution lower my taxes?
Yes. Traditional 401(k) deferrals come out before federal income tax, state income tax, Social Security, and Medicare, so every dollar you contribute lowers the tax on that dollar. The 2026 employee limit is $24,500 ($32,500 with the age-50 catch-up). This calculator caps contributions at that limit.
How do I calculate biweekly pay from a salary?
Divide the annual salary by 26. A $60,000 salary is $2,308 per biweekly paycheck before deductions. Monthly pay is the annual figure divided by 12, semi-monthly by 24, and weekly by 52.
Is overtime taxed at a higher rate?
No. Overtime is ordinary wage income and is taxed at the same rates as your regular hours. A paycheck with overtime can show a larger share withheld because withholding assumes that bigger check repeats all year — the excess is usually refunded when you file.
How accurate is this paycheck calculator?
It applies the published 2026 federal brackets, standard deduction, FICA wage base, and each state's 2026 rate schedule. It does not include itemized deductions, credits, local city or county taxes, multiple jobs, or mid-year pay changes, so treat the result as a close estimate rather than a pay stub.