Tax year 2026 · IRS Rev. Proc. 2025-32

Paycheck Calculator 2026

Pick your state and see exactly what lands in your account — federal withholding, Social Security, Medicare, state and county tax, broken down line by line. Everything runs in your browser; your salary is never sent anywhere.

Calculators by state

MIMichiganFlat 4.25% state taxWAWashingtonNo income tax · PFML + WA CaresMDMaryland2%–6.5% state + 2.25%–3.30% countyNCNorth CarolinaFlat 3.99% — down from 4.25%GAGeorgiaFlat 4.99% — cut from 5.19%ILIllinoisFlat 4.95% state tax, no local taxVAVirginia2%–5.75%, top rate from $17,000TXTexasNo state income taxFLFloridaNo state income tax

By Usman Shafqat · Updated 07 September 2026

What a paycheck calculator actually tells you

Your gross salary is not your pay. Between the figure on your offer letter and the money in your account sit federal income tax, Social Security, Medicare, and — in most states — state and sometimes county income tax.

A paycheck calculator works out that gap. Enter your gross pay, how often you are paid, and your filing status, and you get the deduction-by-deduction breakdown that will appear on your stub.

Every calculator here uses the published 2026 withholding tables. Federal figures come from IRS Revenue Procedure 2025-32; state figures come from each state's own Department of Revenue or Comptroller, cited on the page.

Take-home pay on $75,000, by state

The same salary produces very different results depending on where you work. Single filer, standard deduction, no pre-tax contributions:

State State-level tax Annual take-home Effective rate Per biweekly paycheck
Texas $0 $61,593 17.9% $2,368.94
Florida $0 $61,593 17.9% $2,368.94
Washington $1,040 $60,552 19.3% $2,328.93
North Carolina $2,484 $59,109 21.2% $2,273.41
Michigan $2,937 $58,656 21.8% $2,255.99
Georgia $2,994 $58,599 21.9% $2,253.79
Virginia $3,498 $58,094 22.5% $2,234.39
Illinois $3,568 $58,025 22.6% $2,231.72
Maryland $5,389 $56,203 25.1% $2,161.66

That is a $5,390 spread on identical work. Maryland's figure assumes Baltimore County; its county tax ranges from 2.25% to 3.30%, so your own number depends on where in the state you live.

Washington has no income tax but does deduct Paid Family & Medical Leave and WA Cares premiums — $1,040 a year at this salary. Most calculators omit both and overstate Washington take-home.

What comes out of every US paycheck

Deduction 2026 rate
Federal income tax Per the IRS tables and your W-4
Social Security (OASDI) 6.2% on wages up to $184,500
Medicare 1.45% on all wages
Additional Medicare 0.9% on wages above $200,000
State income tax 0% to 6.5%, depending on state
Local income tax Maryland counties, some Michigan cities, and others

The Social Security wage base means the most anyone pays in 2026 is $11,439. If your year-to-date figure passes that, you are being over-withheld — check it against your pay stub codes.

Why the numbers here differ from other calculators

Three states changed their tax law for 2026 and a number of widely-used calculators have not updated.

Georgia cut its rate to 4.99% under HB 463; several major sites still show 5.19%. North Carolina fell to 3.99%, though employers withhold at 4.09%. Maryland repealed its 15%-of-income standard deduction entirely and replaced it with flat amounts.

We wrote up the discrepancies with sources in outdated state tax rates, so you can check any calculator — including this one — against the primary documents.

Converting hourly pay to salary

If you are paid hourly, multiply your rate by 2,080 to get the annual equivalent — 40 hours a week for 52 weeks. The hourly to salary table does it for common rates and shows what each leaves you after tax.

Going the other way, divide your salary by 2,080. But your real hourly rate is higher than that, because paid leave and holidays mean you are paid for 2,080 hours while working closer to 1,880 — see salary to hourly.

Reducing what you lose

The figures above assume no pre-tax deductions. In practice that is the main lever you control.

Traditional 401(k) contributions come out before income tax — the 2026 limit is $24,500, with $8,000 extra at 50 or older. Section 125 health premiums do more still, because they reduce Social Security and Medicare wages as well as income tax. The pre-tax vs post-tax guide explains which saves more per dollar.

If your withholding looks wrong in either direction, the cause is almost always your W-4 — particularly Step 2 if you have more than one job.

Guides

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