How is take-home pay calculated?

Start with gross pay. Federal income tax is withheld with the IRS Publication 15-T percentage method for 2026. Social Security takes 6.2% of wages up to $184,500, and Medicare takes 1.45% of all wages, plus 0.9% above $200,000. Then your state's withholding comes off, if it has any. What is left is your take-home pay.

Which states have no state income tax?

9 states do not tax wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Alaska and Washington still withhold state payroll contributions, so a paycheck there is not completely free of state deductions.

What is the difference between biweekly and semimonthly pay?

Biweekly means every two weeks, which is 26 paychecks a year. Semimonthly means twice a month, which is 24. On the same salary each semimonthly paycheck is a little larger, but the year adds up to the same gross pay.

No. The figures are estimates made with the standard IRS method from the numbers you enter. Your employer withholds based on the W-4 you filed and may take deductions this calculator cannot see, such as health insurance.

How up to date are the rates?

Every figure is for the 2026 tax year. Rates were last checked against the IRS and each state's tax authority on September 1, 2026. When a state changes its withholding part-way through the year, its page says when the change took effect.

What your paycheck actually comes to

Pick your state and enter your pay. Every deduction gets its own line.

State

Pay typeAnnual salary

Pay frequencyEvery 2 weeks is 26 paychecks a year. Twice a month is 24 — not the same thing.

Filing status, dependents, 401(k) and other options

Filing status401(k) per paycheck

Children under 17W-4 Step 3: $2,200 each, for income up to $200,000 ($400,000 filing jointly).Other dependents$500 each.

Extra withholding per paycheckW-4 Step 4(c), if you asked your employer to hold back more.

Take-home pay $1,890.31 per paycheck · $49,148.00 per year

No state tax included yet. Choose your state to add it.

Of every $100 you earn, you keep $81.91

Federal income tax $10.44 Social Security and Medicare $7.65

Where the money goes
Gross pay	$2,307.69
Federal income tax IRS Publication 15-T	-$240.85
Social Security 6.2% up to the wage base	-$143.08
Medicare 1.45% of all wages	-$33.46
Total withheld	-$417.38
Take-home pay	$1,890.31

Effective withholding rate: 18.1%

A $1,000 raise would add about $703.50 to your year after tax — you keep 70.3% of each extra dollar.

Your take-home, any way you slice it
Per year	$49,148.00
Per month	$4,095.67
Twice a month	$2,047.83
Every 2 weeks	$1,890.31
Weekly	$945.15
Per hour 2,080 hours a year	$23.63

Your employer pays another $4,590.00 a year in Social Security and Medicare on top of your pay, so you cost them at least $64,590.00 before unemployment taxes.

Pick your state

Federal tax, Social Security and Medicare are the same wherever you work. What changes across a state line is the state's own withholding, and every state page works that out with the state's own formula.

No income tax on wages 9

One flat withholding rate 14

Rates that rise with income 27

Alaska and Washington have no income tax but still withhold state payroll contributions from every paycheck.

What changed for 2026

The standard deduction is $16,100 for a single filer and $32,200 for a married couple filing jointly.
The first $7,500 a single filer earns is now withheld at 0%, up from $6,400. That zero band is how IRS Publication 15-T builds the standard deduction into each paycheck.
Social Security now stops at $184,500 of wages, up from $176,100. The extra 0.9% Medicare still starts at $200,000, a threshold that does not rise with inflation.
A federal deduction for overtime applies for tax years 2025 to 2028. Only the premium counts, meaning the extra half in time and a half, up to $12,500 a year ($25,000 filing jointly). It shrinks by $100 for every $1,000 of income above $150,000 ($300,000 jointly), and Social Security and Medicare still apply to the full overtime pay.
Qualified tips get a deduction of their own, up to $25,000 a year, with the same income limits.
On the 2026 Form W-4, Step 3 counts $2,200 for each child under 17 when your income is $200,000 or less ($400,000 filing jointly).

Sources: Revenue Procedure 2025-32, IRS Publication 15-T, the 2026 Form W-4 and the Social Security Administration.

$75,000 a year, after tax, by state

Single filer, paid every two weeks, no pre-tax deductions, 2026 rates. On this salary Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas and Wyoming leave the most, $59,700.50 a year. Maryland leaves the least, $54,247.63, which is $5,452.88 less.

$75,000 salary after tax, 2026
State	State income tax	Per paycheck	Take-home per year
Texas	None	$2,296.17	$59,700.50
Florida	None	$2,296.17	$59,700.50
Tennessee	None	$2,296.17	$59,700.50
Nevada	None	$2,296.17	$59,700.50
Wyoming	None	$2,296.17	$59,700.50
South Dakota	None	$2,296.17	$59,700.50
New Hampshire	None	$2,296.17	$59,700.50
Alaska	None	$2,285.75	$59,429.50
North Dakota	Yes	$2,283.14	$59,361.69
Washington	None	$2,256.16	$58,660.13
Arizona	Yes	$2,238.48	$58,200.50
Ohio	Yes	$2,224.60	$57,839.53
Louisiana	Yes	$2,221.89	$57,769.25
Indiana	Yes	$2,212.21	$57,517.50
Mississippi	Yes	$2,208.94	$57,432.50
Arkansas	Yes	$2,208.20	$57,413.09
Pennsylvania	Yes	$2,207.62	$57,398.00
Iowa	Yes	$2,207.10	$57,384.50
Kentucky	Yes	$2,199.73	$57,193.10
West Virginia	Yes	$2,198.25	$57,154.60
North Carolina	Yes	$2,198.25	$57,154.48
Missouri	Yes	$2,196.65	$57,112.83
Vermont	Yes	$2,192.90	$57,015.33
New Mexico	Yes	$2,190.84	$56,961.95
Rhode Island	Yes	$2,189.44	$56,925.50
Nebraska	Yes	$2,188.62	$56,904.09
Oklahoma	Yes	$2,187.35	$56,871.00
Montana	Yes	$2,185.53	$56,823.90
Michigan	Yes	$2,183.22	$56,763.75
Georgia	Yes	$2,181.02	$56,706.50
Colorado	Yes	$2,178.56	$56,642.50
South Carolina	Yes	$2,176.85	$56,598.20
Idaho	Yes	$2,173.87	$56,520.50
New Jersey	Yes	$2,166.39	$56,326.10
Utah	Yes	$2,166.37	$56,325.50
Massachusetts	Yes	$2,164.25	$56,270.50
New York	Yes	$2,164.20	$56,269.10
Connecticut	Yes	$2,162.52	$56,225.50
Virginia	Yes	$2,161.62	$56,202.10
Alabama	Yes	$2,161.17	$56,190.50
Illinois	Yes	$2,158.95	$56,132.79
Maine	Yes	$2,157.55	$56,096.43
Delaware	Yes	$2,157.37	$56,091.50
Wisconsin	Yes	$2,155.12	$56,033.02
Kansas	Yes	$2,151.29	$55,933.52
Minnesota	Yes	$2,144.75	$55,763.50
California	Yes	$2,141.12	$55,669.07
Hawaii	Yes	$2,122.93	$55,196.24
Oregon	Yes	$2,102.51	$54,665.25
Maryland	Yes	$2,086.45	$54,247.63

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Questions

How is take-home pay calculated?: Start with gross pay. Federal income tax is withheld with the IRS Publication 15-T percentage method for 2026. Social Security takes 6.2% of wages up to $184,500, and Medicare takes 1.45% of all wages, plus 0.9% above $200,000. Then your state's withholding comes off, if it has any. What is left is your take-home pay.
Which states have no state income tax?: 9 states do not tax wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Alaska and Washington still withhold state payroll contributions, so a paycheck there is not completely free of state deductions.
What is the difference between biweekly and semimonthly pay?: Biweekly means every two weeks, which is 26 paychecks a year. Semimonthly means twice a month, which is 24. On the same salary each semimonthly paycheck is a little larger, but the year adds up to the same gross pay.
Is this tax advice?: No. The figures are estimates made with the standard IRS method from the numbers you enter. Your employer withholds based on the W-4 you filed and may take deductions this calculator cannot see, such as health insurance.
How up to date are the rates?: Every figure is for the 2026 tax year. Rates were last checked against the IRS and each state's tax authority on September 1, 2026. When a state changes its withholding part-way through the year, its page says when the change took effect.

How every figure is worked out, and the source for each state, is on the about page.