Free paycheck, salary and tax calculators

How we calculate

Our calculators estimate your full-year tax on your wages and spread it evenly across your paychecks. Withholding is designed to cover that same yearly tax, so the result is a close estimate of what you take home over the year. A single paycheck can differ slightly because employers use the IRS Publication 15-T withholding tables and your W-4 settings.

Federal (2026)

  • Standard deduction: $16,100 single, $32,200 married filing jointly, $24,150 head of household.
  • Income tax brackets: 10%, 12%, 22%, 24%, 32%, 35% and 37% from IRS Rev. Proc. 2025-32.
  • Social Security: 6.2% on wages up to $184,500.
  • Medicare: 1.45% on all wages plus 0.9% above $200,000 ($250,000 for joint filers).
  • Bonuses: 22% flat federal withholding, 37% above $1 million.

Pre-tax deductions

  • 401(k) and 403(b) contributions reduce federal and most state income tax, but not Social Security or Medicare. Pennsylvania and New Jersey do not allow the state deduction.
  • Section 125 benefits (health, dental and vision premiums) reduce income tax, Social Security and Medicare.

States

We currently cover 51 states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Each state page lists the official sources for its rates, deductions and payroll taxes.

What we leave out

  • Dependents and tax credits (such as the Child Tax Credit), which lower your tax at filing time.
  • Itemized deductions and income other than wages.
  • The new federal deductions for tips, overtime, seniors and car-loan interest, except in the overtime calculator. These are claimed on your return and do not change withholding unless you update your W-4.
  • Local taxes, unless you choose one in the calculator.

Updates

We review all figures at least once a year and whenever a state changes its law. Tax tables were last reviewed on 2026-11-10. The IRS has published 2027 figures, and the calculators switch to them on 1 January 2027.

These calculators give estimates for information only. They are not tax, legal or financial advice. For decisions that matter, check with the IRS, your state revenue department or a qualified tax professional.