Paycheck Calculators by State — 2026
Your paycheck isn't just your salary divided by pay periods. Federal income tax and any applicable state tax reduce take-home pay. FICA (Social Security + Medicare) is a combined 7.65% on wages below the Social Security cap; Medicare continues after the cap.
How US Paycheck Deductions Work
Federal income tax is progressive — the more you earn, the higher the rate on the portion above each bracket. For 2026, the modeled brackets run from 10% on the first slice of taxable income up to 37% above $640,600 for single filers.
State income tax varies dramatically. States like Texas and Florida charge zero state income tax. California tops out at 13.3%. Most other states fall somewhere between 3% and 7%, and some (Illinois, Pennsylvania, Michigan) use a simple flat rate.
FICA consists of Social Security (6.2% on wages up to the SSA's $184,500 taxable maximum for 2026) and Medicare (1.45% on all wages, with an additional 0.9% on earnings above $200,000). Your employer matches these contributions separately — it doesn't come out of your take-home.
Traditional 401(k)/403(b) contributions reduce modeled federal taxable income here, while FICA remains on gross wages. Pennsylvania still taxes employee retirement deferrals; other modeled state treatment may differ. HSA contributions and health premiums are not separate inputs because their payroll tax treatment can differ. The IRS explains why traditional 401(k) deferrals remain subject to Social Security and Medicare taxes.
The Paycheck Calculator below covers California, Texas, Florida, New York, Pennsylvania, Illinois, Ohio, Georgia, North Carolina and Michigan from one state menu; New York also has its own page. Each gives a 2026 annual take-home estimate shown per pay period. Actual withholding and benefit deductions can differ. The calculation runs in your browser.
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Frequently Asked Questions
Which states have no income tax?
As of 2026, nine states have no state income tax: Texas, Florida, Nevada, Washington, Wyoming, South Dakota, Alaska, Tennessee and New Hampshire. Residents of these states only pay federal income tax and FICA (Social Security + Medicare).
What is FICA and how much is deducted?
FICA stands for the Federal Insurance Contributions Act. It covers Social Security (6.2% up to the wage base of $184,500 in 2026) and Medicare (1.45% on all wages, plus 0.9% Additional Medicare Tax above $200,000). Total FICA for most employees is 7.65% of gross pay.
How do I calculate my net take-home pay?
Enter your annual salary. These calculators estimate annual federal and state income taxes from tax-year brackets and modeled deductions, plus Social Security and Medicare, then divide by your selected pay periods. They do not use your W-4 or employer withholding tables.
What is the difference between gross pay and net pay?
Gross pay is total earnings before deductions. Net pay is the amount after taxes and any employee contributions or benefit premiums. These calculators model traditional 401(k)/403(b) contributions but do not separately model health premiums or HSA contributions.