About this tool
This US Take-Home Pay Calculator estimates what is left from wages after federal income tax, Social Security, Medicare, and state income tax for tax year 2026. It covers California, Texas, Florida, New York, and Illinois, with filing statuses for single, married filing jointly, married filing separately, and head of household. Enter a yearly salary or an hourly rate. The math runs in your browser and uses the 2026 federal brackets and standard deduction, the Social Security wage base, and each state's published income-tax rules. Texas and Florida have no state income tax. The result is an estimate for wage income with the standard deduction and a default W-4. It does not subtract 401(k) contributions, health insurance, local tax, or California SDI, and it does not add New York City tax, so a real pay stub can differ.
How to use
- 1
Enter pay
Choose yearly salary or hourly pay. For hourly, set the hours worked in a typical week.
- 2
Choose state and filing status
Pick one of the five states and the filing status you expect to use on your return.
- 3
Read the paycheck
The card shows take-home for the pay schedule you picked, plus the yearly tax breakdown.
Features
- 2026 federal brackets, standard deduction, and Social Security wage base
- State income tax for California, Texas, Florida, New York, and Illinois
- Salary or hourly pay, with weekly through monthly paycheck views
- Filing status and qualifying children for the child tax credit
- Runs in the browser — pay amounts are not uploaded
Limitations
- •Estimate for tax year 2026 wage income only, using the standard deduction and a default W-4.
- •Does not include local tax, New York City or Yonkers tax, California SDI, or pre-tax benefits.
- •Not a substitute for IRS, state, or payroll advice. A real pay stub can differ.
Tips & common mistakes
- •Texas and Florida results have no state income tax. California, New York, and Illinois do.
- •Add qualifying children only if they qualify for the federal child tax credit. The credit lowers federal income tax.
- •Compare the yearly figures when you switch states. The paycheck view changes with weekly, biweekly, twice-a-month, or monthly.
- •A pre-tax 401(k) or health premium reduces taxable wages. This estimate does not subtract those, so your stub can be lower.
How 2026 take-home pay is estimated
Annual wages are reduced by federal income tax, employee Social Security, employee Medicare, and state income tax. The yearly remainder is split across the pay schedule you choose.
Take-home = Gross − Federal income tax − Social Security − Medicare − State income tax- •Federal income tax uses 2026 brackets after the standard deduction for the filing status
- •Social Security is 6.2% of wages up to $184,500. Medicare is 1.45%, plus 0.9% above the additional Medicare threshold
- •State tax uses that state's 2026 wage rules. Texas and Florida are $0