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Paycheck Calculator

See your real take-home pay — salary or hourly, with overtime — for any pay schedule, after federal income tax, Social Security, Medicare, and pre-tax contributions.

InputsPAY-2026
$
%
$
Take-home / paycheckEvery 2 weeks
$2,487
take-home pay$2,487
federal income tax$336
Social Security + Medicare$250
401(k)$196
other pre-tax$0
annual take-home
$64,650
effective tax
17.9%
marginal rate
22.0%

A $85,000 salary works out to roughly $68,628 a year in take-home pay — $2,640 per biweekly paycheck — after $9,870 in federal income tax and $6,503 in Social Security and Medicare.

That is a single filer taking the 2026 standard deduction, with no state income tax and no 401(k) or pre-tax benefits. State income tax, where it applies, comes out on top — and pre-tax contributions lower the federal figure.

How your take-home pay is calculated

Start from your gross salary, subtract pre-tax deductions (traditional 401(k), HSA), then federal income tax on what remains after the standard deduction, then FICA — Social Security and Medicare. What's left, divided by your number of pay periods, is each paycheck.

net = gross − 401(k) − pre-tax − federal tax − Social Security − Medicare

Social Security is 6.2% up to the 2026 wage base of $184,500; Medicare is 1.45% on all wages, plus a 0.9% surtax above $200,000 (single). This national tool excludes state income tax.

Curious how your state stacks up? See our data study on take-home pay on a $100K salary in every state — all 50 ranked.

Common questions

Can I use this for hourly pay?
Yes — switch the pay type to Hourly and enter your hourly rate, hours per week, and any weekly overtime (paid at 1.5×). The calculator converts it to annual gross (rate × hours × 52 weeks) and shows your take-home the same way it does for salaried pay.
Why is my take-home less than my salary divided by pay periods?
Federal income tax, Social Security (6.2%), and Medicare (1.45%) come out of every paycheck, along with any pre-tax 401(k) or HSA contributions. What's left is your take-home pay.
How does a 401(k) contribution affect my paycheck?
Traditional 401(k) contributions are pre-tax, so they lower your federal income tax — but they're still subject to Social Security and Medicare. They reduce your take-home now while building retirement savings.
What is FICA?
FICA is the combined Social Security (6.2% up to the 2026 wage base of $184,500) and Medicare (1.45%, plus a 0.9% surtax on high earners) payroll tax. It funds those two federal programs.
Does this include state income tax?
This national version estimates federal tax and FICA only. For your state's full picture — including states with no income tax — use the state-specific paycheck calculators linked below, covering all 50 states.

Paycheck calculators by state

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

How we calculate this

2026 federal brackets (IRS Rev. Proc. 2025-32) and FICA rates (SSA). Traditional 401(k) reduces income tax but not FICA. Estimates only — not tax advice.

Full methodology & sources →

Where to go next

A paycheck shows withholding, not what you actually owe. To see the annual bill and where each bracket bites, work out your full federal liability bracket by bracket — the two numbers rarely match, and the difference is your refund or your bill.

Comparing an offer against contract or part-time work? convert a salary into a true hourly rate, which is the only way to compare roles with different hours honestly.

Related calculators
MoneySalary to Hourly CalculatorMoneyIncome Tax CalculatorMoneySelf-Employment Tax CalculatorMoneyBonus Tax Calculator

Estimates are for general informational purposes only and do not constitute tax or financial advice. Actual withholding depends on your W-4, state and local taxes, and benefits not modeled here. Consult a licensed professional.