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Paycheck Calculator: Take-Home Pay After Taxes
Calculate your net pay after federal, state, and FICA taxes. Works as a salary or hourly paycheck calculator with biweekly, weekly, and monthly breakdowns. Includes 401(k), HSA, and insurance deductions across all 50 states.
Take-Home Pay by Salary
Approximate annual take-home pay for a single filer with no dependents or pre-tax deductions. Use the calculator above for your exact number.
| Gross Salary | No-Tax State (TX, FL, WA) | Moderate State (IL, CO, NC) | High-Tax State (CA, NY, NJ) |
|---|---|---|---|
| $40,000 | $33,400 | $32,000 | $30,600 |
| $50,000 | $41,400 | $39,700 | $37,900 |
| $60,000 | $49,100 | $47,100 | $44,900 |
| $70,000 | $56,500 | $54,100 | $51,500 |
| $75,000 | $60,100 | $57,500 | $54,700 |
| $80,000 | $64,600 | $60,900 | $57,800 |
| $90,000 | $70,700 | $67,500 | $64,000 |
| $100,000 | $78,700 | $74,400 | $70,100 |
| $120,000 | $92,000 | $86,900 | $81,700 |
| $150,000 | $111,200 | $104,600 | $97,900 |
Frequently Asked Questions
- How is take-home pay calculated?
- Take-home pay is your gross salary minus all taxes and pre-tax deductions. This includes federal income tax (using progressive brackets after the standard deduction), state income tax, Social Security (6.2% up to $184,500), Medicare (1.45% on all wages), and any pre-tax deductions like 401(k) contributions and health insurance premiums. Tax credits like the Child Tax Credit and Earned Income Credit are then added back.
- How much is $100,000 a year after taxes?
- On a $100,000 salary, your take-home pay ranges from about $72,500 to $81,500 depending on your state. In no-income-tax states like Texas or Florida, a single filer keeps roughly $78,700. In high-tax states like California, take-home drops to around $72,900. Your filing status, deductions, and tax credits also affect the final number.
- How much is $80,000 a year after taxes?
- An $80,000 salary yields roughly $60,500 to $66,500 in take-home pay depending on your state. In Texas or Florida (no state income tax), a single filer takes home about $64,600. In California, that drops to about $60,900. Use the calculator above to get your exact number based on your state and filing status.
- Which states have no income tax?
- Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents of these states keep more of their paycheck, though other taxes (property, sales) and cost of living may offset this advantage.
- How much of my paycheck goes to taxes?
- For most workers, 20% to 35% of their gross pay goes to taxes. This includes federal income tax (10–37% depending on your bracket), Social Security (6.2%), Medicare (1.45%), and state income tax (0–13.3% depending on state). A single filer earning $75,000 in a no-tax state pays about 19% in total taxes. The same salary in California faces about 25%.
- What is FICA tax?
- FICA stands for the Federal Insurance Contributions Act. It includes Social Security tax (6.2% on wages up to $184,500) and Medicare tax (1.45% on all wages, plus an additional 0.9% on wages above $200,000 for single filers). FICA taxes total 7.65% for most workers and fund Social Security and Medicare programs.
- How does filing status affect take-home pay?
- Filing status determines your standard deduction, tax bracket thresholds, and credit eligibility. Married filing jointly typically results in lower taxes due to wider brackets and a larger standard deduction ($32,200 vs. $16,100 for single filers). Head of household also receives wider brackets than single filers.
- What is the standard deduction for 2026?
- For tax year 2026, the standard deduction is $16,100 for single filers and married filing separately, $32,200 for married filing jointly, and $24,150 for head of household. The One Big Beautiful Bill Act also adds a $6,000 senior bonus deduction for taxpayers age 65 and older (available through 2028).
- Do 401(k) contributions reduce my taxes?
- Yes. Traditional 401(k) contributions are pre-tax, meaning they reduce your federal and state taxable income. Contributing 6% of an $80,000 salary ($4,800) could save you roughly $1,000 to $1,600 in taxes depending on your bracket. However, 401(k) contributions do not reduce FICA taxes (Social Security and Medicare).
- What is the difference between gross pay and net pay?
- Gross pay is your total salary before any deductions. Net pay (or take-home pay) is what you actually receive after federal taxes, state taxes, FICA taxes, and any pre-tax deductions like 401(k) contributions and health insurance premiums are subtracted. Net pay is typically 65% to 80% of gross pay.
How This Paycheck Calculator Works
This paycheck calculator computes your take-home pay by subtracting all applicable taxes and pre-tax deductions from your gross income. Enter an annual salary or use it as an hourly paycheck calculator by switching to hourly mode and entering your rate and hours per week. Results are shown annually by default, but you can switch to a biweekly paycheck view (÷ 26), monthly (÷ 12), or weekly (÷ 52). It uses 2026 tax year data from the IRS (Revenue Procedure 2025-32, including provisions from the One Big Beautiful Bill Act), the Social Security Administration, and individual state departments of revenue.
Federal income tax is calculated using progressive brackets after applying the standard deduction ($16,100 for single filers, $32,200 for married filing jointly). The 2026 brackets range from 10% to 37%.
State income tax varies by state. Nine states have no income tax (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming). Others use either a flat rate (like Pennsylvania at 3.07%) or progressive brackets (like California, with rates up to 12.3%).
FICA taxes include Social Security (6.2% on wages up to $184,500) and Medicare (1.45% on all wages, plus an additional 0.9% on wages above $200,000 for single filers). Together, FICA takes 7.65% of most paychecks.
Pre-tax deductions like 401(k) contributions reduce your federal and state taxable income. Health insurance and FSA contributions (Section 125) also reduce FICA taxes. These deductions lower your tax bill but also reduce your net paycheck.
Tax credits like the Child Tax Credit ($2,200 per child under 17) and the Earned Income Tax Credit are applied after taxes are calculated, directly reducing your total tax burden dollar-for-dollar.