Paycheck Calculator — Salary to Take-Home (Per Pay Period)

Annual salary → estimated take-home per paycheck. Includes 2026 federal brackets, Social Security (6.2%) and Medicare (1.45% + 0.9% surtax), pre-tax 401(k) and deductions. Estimates for planning — not tax advice.

Quick answer: Free US paycheck calculator: enter annual salary and filing status to estimate take-home pay per paycheck — federal tax, Social Security and Medicare withheld. Runs privately in your browser.

2026 federal brackets + standard deduction built in · state tax not included · estimate only.

How to use

  1. Enter gross salary — annual amount, plus 401(k)% and pre-tax deductions.
  2. Pick filing status and pay frequency — weekly, bi-weekly, semi-monthly or monthly.
  3. Read the breakdown — federal, Social Security, Medicare and net per paycheck, with the annual view too.

About this tool

This calculator converts a salary into an estimated paycheck the way payroll does: it computes taxable income after the standard deduction and your pre-tax contributions, applies 2026 federal brackets for your filing status, then adds FICA (Social Security up to the wage base, Medicare on everything, plus the 0.9% high-earner surtax) and divides by your pay frequency. State income tax is not included — add it yourself as a monthly deduction since state rules vary widely. Honest note: real paychecks also involve W-4 settings, benefits and local taxes; treat the result as a planning estimate, not payroll.

FAQ

How is take-home pay calculated from salary?
Subtract pre-tax deductions from gross, apply the standard deduction, tax the rest through federal brackets, add FICA (6.2% Social Security up to the wage base + 1.45% Medicare), then divide the remainder by pay periods in the year.
Does this include state income tax?
No — states differ too much to guess. Use the custom-deduction field for your state's approximate monthly withholding.
Which year's brackets are used?
2026 federal brackets for single, married-filing-jointly and head-of-household, with the standard deduction baked in. They are editable in the advanced section if rates change.
How accurate is it versus my real paycheck?
Usually within a few percent for straight salaries. W-4 extras, benefits, bonuses and local taxes create differences — it is a planning estimate, not payroll.
What is the Social Security wage base?
Social Security tax stops at an annual cap (wage base) — $184,500 in 2026; above it only Medicare continues, plus the 0.9% surtax on high incomes. The calculator applies the cap automatically.
Is my salary sent anywhere?
No — all math runs in your browser. Your salary never leaves the page.

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