Wealthy PotPaycheck Calculator
See your take-home pay per paycheck after federal income tax, Social Security, Medicare, state taxes and deductions, using the 2026 IRS withholding tables and the new 2026 W-4, including the tips and overtime deductions.
How to use the paycheck calculator
Choose salary or hourly, enter your pay and how often you are paid, pick your state and fill in the main lines of your Form W-4. Open "Deductions and more W-4 options" to add a 401(k), health insurance, tips, overtime, car loan interest or extra withholding. The calculator shows your take-home pay per paycheck and per year, and every amount withheld.
Take-home pay by salary
Paid every two weeks in a state with no income tax (for example Texas or Florida), 2026 W-4 with no adjustments, no pre-tax deductions:
| Salary | Gross per paycheck | Take-home, single | Take-home, married filing jointly |
|---|---|---|---|
| $30,000 | $1,153.85 | $1,010.96 | $1,065.58 |
| $40,000 | $1,538.46 | $1,320.00 | $1,390.77 |
| $50,000 | $1,923.08 | $1,629.04 | $1,707.50 |
| $60,000 | $2,307.69 | $1,938.08 | $2,021.92 |
| $75,000 | $2,884.62 | $2,368.94 | $2,485.48 |
| $100,000 | $3,846.15 | $3,045.38 | $3,258.08 |
| $125,000 | $4,807.69 | $3,719.37 | $4,030.67 |
| $150,000 | $5,769.23 | $4,376.58 | $4,737.88 |
| $200,000 | $7,692.31 | $5,727.96 | $6,127.73 |
Married filing jointly assumes one earner (Step 2 box not checked). In a state with an income tax, take-home pay is lower.
What comes out of your paycheck
- Federal income tax. Withheld with the IRS percentage method for 2026 (Publication 15-T), based on your W-4.
- Social Security: 6.2% of wages up to $184,500 in 2026.
- Medicare: 1.45% of all wages, plus 0.9% once your wages pass $200,000 for the year.
- State and local taxes and premiums, where they apply: state income tax, county or city income tax in states such as Indiana, Maryland, Michigan, New York and Pennsylvania, and disability and paid leave premiums in states such as California, New York, New Jersey, Washington, Massachusetts and Colorado.
- Your deductions: 401(k), health insurance, HSA or FSA (before tax) and anything taken after tax.
2026 changes to withholding
The One Big Beautiful Bill Act made the current tax brackets and the larger standard deduction permanent and created new deductions, including the tips and overtime deductions for tax years 2025 through 2028. The 2026 Form W-4 lets you claim them in each paycheck instead of waiting for a refund: qualified tips (up to $25,000), the extra "half" of time-and-a-half overtime (up to $12,500, or $25,000 married filing jointly), qualified car loan interest (up to $10,000) and $6,000 if you are 65 or older, each with an income limit. For hourly pay with overtime, the calculator fills in the overtime amount for you. The standard deduction for 2026 is $16,100 for single filers, $24,150 for heads of household and $32,200 for married couples filing jointly.
Paycheck calculators by state
- Alabama paycheck calculator: Alabama taxes wages at 2% to 5%, and lets you subtract the federal income tax withheld. Several cities and counties add an occupational tax; enter your local rate in the calculator.
- Alaska paycheck calculator: No state income tax. Employees pay Alaska unemployment insurance of 0.50% on the first $54,200 of wages in 2026.
- Arizona paycheck calculator: Arizona has a flat income tax. Employers withhold the percentage you choose on Form A-4, from 0.5% to 3.5% of your taxable wages, or 2.0% if you do not file one.
- Arkansas paycheck calculator: Arkansas cut its top rate to 3.7% for 2026 and reissued its withholding formula in May 2026. Withholding starts after a $2,470 standard deduction, less a $29 credit per exemption.
- California paycheck calculator: California taxes wages at graduated rates from 1% to 12.3%, plus 1% on income over $1 million. Employees also pay 1.3% State Disability Insurance (SDI) on all wages.
- Colorado paycheck calculator: Colorado has a flat 4.40% income tax. Employees also pay up to 0.44% of wages for the FAMLI paid family and medical leave program.
- Connecticut paycheck calculator: Connecticut taxes wages at 2% to 6.99%, with exemptions and credits that phase out as income rises. Employees also pay 0.5% for CT Paid Leave.
- Delaware paycheck calculator: Delaware taxes wages at 0% to 6.6%. Employees also pay up to 0.4% of wages for Delaware Paid Leave, which started paying benefits in 2026. Wilmington adds a city wage tax; enter it in the calculator.
- Florida paycheck calculator: No state income tax: the Florida Constitution bars a state tax on the income of residents.
- Georgia paycheck calculator: Georgia has a flat 4.99% income tax for 2026, withheld at that rate from May 11, 2026, after a $15,000 standard deduction ($30,000 married with one income) and $5,000 per dependent.
- Hawaii paycheck calculator: Hawaii withholds 1.4% to 7.9% of wages after $1,144 per HW-4 allowance and a $4,350 lump-sum allowance. Employees may also pay up to 0.5% of wages for temporary disability insurance.
- Idaho paycheck calculator: Idaho withholds 5.3% of wages above a threshold ($16,100 a year single, $32,200 married), using the tables updated July 23, 2026.
- Illinois paycheck calculator: Illinois has a flat 4.95% income tax, withheld after $2,925 for each allowance on Form IL-W-4.
- Indiana paycheck calculator: Indiana has a flat 2.95% state income tax plus a county income tax in every county, from 0.5% to 3%, set by the county where you lived on January 1.
- Iowa paycheck calculator: Iowa has a flat 3.8% income tax. Withholding starts after a $13,000 deduction ($19,500 head of household, $26,000 married with a non-working spouse).
- Kansas paycheck calculator: Kansas taxes wages at 5.2% and 5.58% in 2026 (no rate cut was triggered), after allowances of $9,160 single or $18,320 joint plus $2,320 per dependent.
- Kentucky paycheck calculator: Kentucky has a flat 3.5% income tax for 2026, withheld after a $3,360 standard deduction. Many cities and counties add an occupational license tax: Lexington-Fayette (2.25%) is built in, and you can enter any other local rate.
- Louisiana paycheck calculator: Louisiana has a flat income tax. Withholding uses 3.09% after a $12,875 standard deduction ($25,750 married or head of household).
- Maine paycheck calculator: Maine taxes wages at 5.8% to 7.15%, plus a new 2% surcharge on income over $1 million ($1.5 million married) from 2026. Employees also pay up to 0.5% for Maine Paid Family and Medical Leave.
- Maryland paycheck calculator: Maryland taxes wages at 2% to 6.5%, and every county (and Baltimore City) adds a local income tax of 2.25% to 3.3%. Employers withhold both together.
- Massachusetts paycheck calculator: Massachusetts taxes wages at 5%, plus a 4% surtax on income over $1,107,750 in 2026. Employees also pay up to 0.46% of wages for Paid Family and Medical Leave.
- Michigan paycheck calculator: Michigan has a flat 4.25% income tax, withheld after $5,900 per exemption in 2026. Some cities add a city income tax; the Detroit tax is included.
- Minnesota paycheck calculator: Minnesota taxes wages at 5.35% to 9.85%. From 2026 employees also pay up to 0.44% of wages for Minnesota Paid Leave.
- Mississippi paycheck calculator: Mississippi taxes income over $10,000 at 4.0% in 2026, after personal exemptions ($6,000 single, $12,000 married) and a standard deduction.
- Missouri paycheck calculator: Missouri taxes income at up to 4.7% in 2026, after a $16,100 standard deduction ($32,200 married with a non-working spouse, $24,150 head of household). St. Louis and Kansas City add a 1% earnings tax: St. Louis is built in, and you can enter another local rate.
- Montana paycheck calculator: Montana taxes wages at 4.7% and 5.65% in 2026. Withholding starts after the federal standard deduction for your filing status.
- Nebraska paycheck calculator: Nebraska withholds 2.26% to 4.6% of wages in 2026, after $2,440 per allowance on Form W-4N.
- Nevada paycheck calculator: No state income tax on salaries and wages.
- New Hampshire paycheck calculator: No income tax on wages; the interest and dividends tax was repealed for periods beginning after December 31, 2024.
- New Jersey paycheck calculator: New Jersey taxes wages at graduated rates from 1.4% to 10.75%. Employees also pay unemployment, disability and family leave insurance.
- New Mexico paycheck calculator: New Mexico taxes wages at 1.5% to 5.9%. Withholding has no allowances: it starts above $8,050 a year single, $16,100 married or $12,075 head of household.
- New York paycheck calculator: New York taxes wages at graduated rates from 3.9% to 10.9%. New York City and Yonkers add a local income tax, and employees pay small amounts for Paid Family Leave and disability insurance.
- North Carolina paycheck calculator: North Carolina has a flat 3.99% income tax for 2026. Employers withhold 4.09% after a $12,750 standard deduction ($19,125 head of household) and $2,500 per NC-4 allowance.
- North Dakota paycheck calculator: North Dakota withholds nothing on the first $57,625 of yearly wages for single filers, then 1.95% and 2.5%.
- Ohio paycheck calculator: Ohio withholds 1.6% to 3.4% of wages after $650 per exemption, under the formula in effect from August 1, 2026. Most Ohio cities and 214 school districts add their own income tax: pick your school district and enter your city rate in the calculator.
- Oklahoma paycheck calculator: Oklahoma withholds 2.5% to 4.5% of wages in 2026, after a tax-free amount and $1,000 per allowance on Form OK-W-4.
- Oregon paycheck calculator: Oregon taxes wages at 4.75% to 9.9%. Employees also pay the 0.1% statewide transit tax and 0.6% for Paid Leave Oregon.
- Pennsylvania paycheck calculator: Pennsylvania has a flat 3.07% income tax with no exemptions, and your 401(k) contributions are taxed. Employees also pay 0.07% for unemployment insurance, and most local governments levy an earned income tax.
- Rhode Island paycheck calculator: Rhode Island taxes wages at 3.75%, 4.75% and 5.99%. Employees also pay 1.1% for Temporary Disability Insurance on the first $100,000 of wages.
- South Carolina paycheck calculator: South Carolina cut its 2026 tax rates (1.99% and 5.21%), but the official 2026 withholding formula still uses 0%, 3% and 6%, so employers withhold more than the new rates imply.
- South Dakota paycheck calculator: No state income tax.
- Tennessee paycheck calculator: No state income tax on earned income and no state withholding; the Hall tax on investment income was repealed January 1, 2021.
- Texas paycheck calculator: No state income tax.
- Utah paycheck calculator: Utah has a flat 4.45% income tax for 2026. Withholding subtracts a base allowance that phases out as wages rise.
- Vermont paycheck calculator: Vermont taxes wages at 3.35% to 8.75%. Employers may also deduct up to 0.11% of wages toward the Child Care Contribution.
- Virginia paycheck calculator: Virginia taxes wages at 2% to 5.75%; the top rate applies above $17,000 of taxable income.
- Washington paycheck calculator: No state income tax on wages. Employees pay Paid Family and Medical Leave premiums and the WA Cares long-term care premium.
- West Virginia paycheck calculator: West Virginia withholds 2.11% to 4.58% of wages under the percentage tables issued in March 2026.
- Wisconsin paycheck calculator: Wisconsin taxes wages at 3.5% to 7.65%. Its official withholding formula, last revised for 2022, still uses the older rates, so it may withhold a little more than you owe.
- Wyoming paycheck calculator: No state income tax.
The District of Columbia is not included yet: it has not published its 2026 withholding method, and we add a jurisdiction only after checking its formula against the official guide. To compare what a salary is worth in another state, use the cost of living calculator; to convert hourly pay, the salary to hourly calculator.
About the data
Federal: IRS Publication 15-T (2026), Worksheet 1A and the 2026 annual percentage method tables; Form W-4 (2026); IRS Publication 15 (2026) for Social Security, Medicare and the treatment of 401(k) and cafeteria plan deductions. States: each state page lists its sources and the date we checked them. Results estimate withholding for a regular paycheck; they are not tax advice and not your final tax bill.
Frequently Asked Questions
How much is $65,000 a year biweekly after taxes?
About $2,092.60 every two weeks for a single filer in a state with no income tax, from $2,500.00 gross: $216.15 federal income tax, $155.00 Social Security and $36.25 Medicare, with a standard 2026 W-4 and no other deductions.
How is federal income tax withholding calculated?
Your employer annualizes your taxable pay, adjusts it for your Form W-4 (other income, deductions, and a standard amount of $8,600, or $12,900 if married filing jointly, unless the Step 2 box is checked), looks it up in the IRS annual percentage method table, divides by your number of paychecks, then subtracts your dependent credits and adds any extra withholding. This calculator follows that worksheet (IRS Publication 15-T, 2026) exactly.
What changed on the 2026 W-4?
The 2026 Form W-4 lets you account for new deductions on Step 4(b): up to $25,000 of qualified tips, up to $12,500 ($25,000 if married filing jointly) of qualified overtime premium, up to $10,000 of qualified car loan interest, and $6,000 if you are 65 or older, each subject to income limits. The child amount on Step 3 is $2,200 per child under 17, and there is now a checkbox to claim exemption from withholding.
Do tips and overtime still have Social Security and Medicare taxes?
Yes. The new deductions only lower federal income tax. Tips and overtime pay are still subject to Social Security and Medicare tax.
How much are Social Security and Medicare taxes in 2026?
You pay 6.2% for Social Security on wages up to $184,500 and 1.45% for Medicare on all wages. Employers also withhold an extra 0.9% Medicare tax on wages over $200,000 in the year.
Does a 401(k) contribution lower my taxes?
A traditional 401(k) or 403(b) contribution lowers the wages subject to federal income tax withholding, but not Social Security and Medicare. Health insurance premiums, HSA and FSA contributions taken through your employer's cafeteria plan lower both. A Roth 401(k) is taken after tax.
Which states does the calculator cover?
Federal taxes everywhere, plus full state calculations for all 50 states: the nine with no tax on wages, the flat-tax states and every graduated-rate state, with local taxes for every Pennsylvania municipality, Ohio school districts, New York City, Yonkers, Maryland and Indiana counties, Detroit, Philadelphia, St. Louis and Lexington (and a box for any other local rate), and state disability and paid leave premiums. Each state was checked against its own 2026 withholding guide. The District of Columbia is not included yet because it has not published its 2026 withholding method; for DC the result shows federal taxes only and says so.
