Paycheck Calculator
Estimate your take-home pay per paycheck using 2026 federal tax brackets, FICA (Social Security + Medicare), and state withholding.
Your paycheck
Net per paycheck
$2,189.52
Gross $2,884.62 | Effective tax 16.1% | Marginal 22%
Federal
$261.31
Social Security
$164.54
Medicare
$38.48
State
$0.00
Estimate only. Uses 2026 federal brackets and simplified state rates. Not tax advice.
Frequently Asked Questions about the Paycheck Calculator
How are 2026 federal taxes calculated?
The IRS uses progressive brackets. For 2026 single filers: 10% to $11,925, 12% to $48,475, 22% to $103,350, 24% to $197,300, 32% to $250,525, 35% to $626,350, 37% above. Brackets are roughly doubled for married filing jointly.
What is FICA and how much is withheld?
FICA covers Social Security (6.2% on wages up to the $168,600 base for 2026) and Medicare (1.45% on all wages, plus an extra 0.9% on wages above $200,000 for single filers).
How does state income tax affect my paycheck?
It depends on your state. Florida and Texas have no state income tax. California and New York use progressive brackets; this calculator applies a simplified flat rate for illustration only.
Why do 401(k) and HSA contributions reduce my taxes?
Traditional 401(k) and HSA contributions come out of your paycheck before federal income tax is calculated, lowering your taxable income. HSA contributions also avoid FICA when made through payroll.
Why is my net pay so much lower than my gross?
Federal income tax, Social Security, Medicare, possible state tax, plus pre-tax (401k, HSA, insurance) and post-tax (Roth, garnishments) deductions all reduce gross to net. The combined hit is typically 20-35% for middle incomes.