Take-Home-Paycheck Calculator
Estimate take-home pay using federal, payroll, and explicit state/local tax assumptions.
Estimate take-home pay for this job using annual income, selected deductions, other jobs and 2026 federal rules.
Result
Independent annual-tax allocation model. For multiple jobs, this job is assigned the incremental household federal tax above the entered other-job baseline; other-job wages are excluded from this paycheck. This is not an IRS Publication 15-T payroll withholding worksheet or an exact replica of the original site's unknown allocation policy.
Other-job amounts are treated as one taxpayer’s wages for this simplified allocation, not separate spouses’ payroll accounts. Pre-tax deductions reduce federal taxable income but not employee FICA wages. State/city rates are explicit effective assumptions; non-job income affects federal tax but is not paid in this paycheck. Daily pay assumes 260 working days.
For self-employment, pre-tax retirement deductions reduce income-taxable income but not the net profit used for self-employment tax. The federal estimate includes self-employment tax; employee Social Security and Medicare rows are zero to avoid counting those taxes twice. Eligible non-itemizer cash gifts use the 2026 $1,000/$2,000 cap when the standard deduction is selected; enter already eligible amounts and check organization eligibility.
Calculation details
Scroll horizontally or vertically to see more. Download CSV for the complete schedule.
| Deduction | Annual | Per paycheck |
|---|---|---|
| Allocated federal income and additional taxes | 7,670 | 295 |
| Employee Social Security | 4,960 | 190.77 |
| Employee Medicare | 1,160 | 44.62 |
| Pre-tax payroll deductions | 5,000 | 192.31 |
| State income tax | 3,750 | 144.23 |
| City income tax | 0 | 0 |
How to use this calculator
Estimate take-home pay for this job using annual income, selected deductions, other jobs and 2026 federal rules. Enter amounts in the units shown, select the applicable options, and click Calculate. Use Reset to restore the starting values.
Calculation formula
This-job net = this-job gross − withheld deductions − allocated annual federal tax − this-job payroll taxes − entered state/city tax. Other job wages affect brackets but are not included in this paycheck.
Assumptions and accuracy
Review timing, rates, fees and result notes when comparing scenarios. Future returns and rates are assumptions rather than guaranteed outcomes. Monetary display follows the currency’s precision; intermediate calculations retain additional digits.
Year-specific parameters are documented in the calculation notes. Rule eligibility and individual circumstances can change the result.
Choose what to calculate
Take home pay calculator after taxes and 401k
Estimate pay after entered deductions and allocated annual federal tax. This is an annual-tax allocation model, not an IRS Publication 15-T payroll withholding calculation.
Related searches: Gross to net pay calculator
Open this calculationUnderstanding this calculation
Take-home pay here is estimated from gross pay, entered deductions and an allocation of annual federal tax. It is not a full payroll-withholding calculation and may differ from an employer paycheck.
Reading your result
- Gross pay per period
- Pay from this job converted to the selected pay frequency before modeled deductions.
- Annual federal tax allocated to this job
- Household federal tax with this job minus the other-job baseline under the annual allocation model.
- Take-home pay per period
- This job’s modeled pay after deductions and allocated taxes; other-job income is not added to this paycheck.
Compare two scenarios
- Compare two contribution amounts with the same job income, filing status and pay frequency.
- Compare annual totals before comparing pay periods; weekly, biweekly and semimonthly schedules have different counts.
Check before comparing
- Do not enter the same income as both this job’s pay and other-job income.
- State and local rates are entered estimates, not complete jurisdiction-specific returns.
- W-4 elections, year-to-date payroll and IRS Publication 15-T withholding are not fully modeled.
Result explanations checked against this calculator’s local model. Model scope and sources appear below.
Worked examples
Read the zero-wage paycheck baseline
Illustrative inputs are specified in the steps below; the example link loads the complete settings. Unmentioned settings use the linked defaults.
- With wages, other income, deductions and credits all zero, there is no wage income or payroll tax to allocate, so annual take-home pay is zero. This boundary example is not a withholding recommendation.
Annual take-home pay: 0 USD.
Try these inputsFederal-only paycheck illustration on an 80,000 salary
Illustrative 2026 federal assumptions, using the project’s documented parameter tables. Eligibility and actual tax filing require separate checks.
- Assume a Single filer in 2026, no other income, deductions, dependents, credits, state/local tax or additional withholding.
- Federal taxable income is 63,900 and federal income tax is 8,770 under the documented 2026 brackets.
- At this wage level, modeled Social Security is 80,000 × 6.2% = 4,960 and Medicare is 80,000 × 1.45% = 1,160.
- Annual net = 80,000 − 8,770 − 4,960 − 1,160 = 65,110. Dividing by 26 gives approximately 2,504.23 per biweekly period; actual withholding can differ.
Annual take-home pay: 65,110 USD.
Try these inputsA simple paycheck from one job
Single, $12,000 annual job income; no payroll deductions, other jobs, dependents or state/city tax; monthly pay.
- Income is below the 2026 single standard deduction, so estimated federal income tax is zero.
- Employee Social Security is 12000 × 6.2% = 744; Medicare is 12000 × 1.45% = 174.
- Monthly net = (12000 − 744 − 174) / 12 = 923.50.
Estimated monthly take-home pay is $923.50 under the stated annual-tax allocation model.
Try these inputsCommon questions
Why can my actual paycheck differ from this estimate?
Payroll withholding elections, benefit treatment, state rules and employer schedules can differ from the model's annualized estimate.
Is biweekly the same as twice a month?
No. Biweekly normally uses 26 periods per year, while semimonthly uses 24. Select the frequency used by your employer.
Will this estimate exactly match my employer's tax withholding?
Not necessarily. This tool allocates estimated annual federal income tax to the entered job and pay frequency. It does not implement the complete IRS Publication 15-T payroll withholding procedure. W-4 elections, year-to-date payroll, benefit treatment and employer rounding can change an actual paycheck.
Scope and assumptions
This is not a complete payroll withholding engine or a final tax return. State/local rates are manual flat assumptions and benefit tax treatment is simplified.
Sources
- IRS: documented 2026 federal inflation adjustments
- Calculation methodology, rule versions and testing limitations
- Reference calculator for feature comparison (not a model-parity certification)
Calculation notes checked . Examples are mathematical checks under the stated assumptions.
Calculation methods and formulas
Paycheck Estimate
Estimate take-home pay for this job using annual income, selected deductions, other jobs and 2026 federal rules.
This-job net = this-job gross − withheld deductions − allocated annual federal tax − this-job payroll taxes − entered state/city tax. Other job wages affect brackets but are not included in this paycheck.
Take-Home Paycheck
Estimate net pay after federal income tax, payroll taxes, and selected deductions.
Net pay = gross wages − pre-tax deductions − estimated taxes − after-tax deductions.
See our calculation methodology and review status for data versions, rounding and validation limitations.