Paycheck Calculator: Your Take-Home Pay (2026)
Enter your hourly rate or salary and your state to see what lands in your bank account each payday, after federal tax, Social Security, Medicare and state tax. At $20 an hour, 40 hours a week, single in Texas, you take home about $1,369.45 every two weeks.
Take-home pay
—
| Paycheck | Year | |
|---|---|---|
| Gross pay | ||
| 401(k) | ||
| Health insurance | ||
| Other pre-tax | ||
| Federal income tax | ||
| Social Security (6.2%) | ||
| Medicare (1.45% + 0.9%) | ||
| After-tax deductions | ||
| Take-home pay |
Pick your state to add state income tax.
Figures are estimates for tax year 2026, rules checked October 12, 2026. They leave out local income taxes, tax credits and W-4 adjustments, so your paycheck can differ. Not tax or legal advice.
Take-home pay on $50,000 a year in every state
Single filer, paid every two weeks, no pre-tax deductions, 2026 rules. Highest: Florida, $42,355 a year. Lowest: Oregon, $38,460. Pick a state for its own calculator.
| State | State tax and payroll deductions | Paycheck | Take-home a year |
|---|---|---|---|
| Alabama | $2,069 | $1,549.47 | $40,286 |
| Alaska | $250 | $1,619.43 | $42,105 |
| Arizona | $847.50 | $1,596.45 | $41,508 |
| Arkansas | $1,362 | $1,576.65 | $40,993 |
| California | $1,623 | $1,566.62 | $40,732 |
| Colorado | $1,712 | $1,563.22 | $40,643 |
| Connecticut | $2,250 | $1,542.51 | $40,105 |
| Delaware | $2,298 | $1,540.66 | $40,057 |
| District of Columbia | $1,900 | $1,555.97 | $40,455 |
| Florida | None | $1,629.05 | $42,355 |
| Georgia | $1,747 | $1,561.88 | $40,609 |
| Hawaii | $2,275 | $1,541.55 | $40,080 |
| Idaho | $1,535 | $1,570.01 | $40,820 |
| Illinois | $2,330 | $1,539.43 | $40,025 |
| Indiana | $1,446 | $1,573.45 | $40,910 |
| Iowa | $1,248 | $1,581.04 | $41,107 |
| Kansas | $1,990 | $1,552.50 | $40,365 |
| Kentucky | $1,632 | $1,566.27 | $40,723 |
| Louisiana | $1,114 | $1,586.21 | $41,241 |
| Maine | $1,947 | $1,554.15 | $40,408 |
| Maryland | $2,009 | $1,551.78 | $40,346 |
| Massachusetts | $2,510 | $1,532.51 | $39,845 |
| Michigan | $1,874 | $1,556.96 | $40,481 |
| Minnesota | $2,097 | $1,548.41 | $40,258 |
| Mississippi | $1,268 | $1,580.28 | $41,087 |
| Missouri | $1,413 | $1,574.72 | $40,942 |
| Montana | $1,593 | $1,567.77 | $40,762 |
| Nebraska | $1,395 | $1,575.38 | $40,960 |
| Nevada | None | $1,629.05 | $42,355 |
| New Hampshire | None | $1,629.05 | $42,355 |
| New Jersey | $1,615 | $1,566.93 | $40,740 |
| New Mexico | $1,193 | $1,583.15 | $41,162 |
| New York | $2,350 | $1,538.66 | $40,005 |
| North Carolina | $1,486 | $1,571.89 | $40,869 |
| North Dakota | $0 | $1,629.05 | $42,355 |
| Ohio | $931.50 | $1,593.22 | $41,424 |
| Oklahoma | $1,705 | $1,563.49 | $40,651 |
| Oregon | $3,895 | $1,479.23 | $38,460 |
| Pennsylvania | $1,570 | $1,568.66 | $40,785 |
| Rhode Island | $1,808 | $1,559.51 | $40,547 |
| South Carolina | $999.59 | $1,590.60 | $41,355 |
| South Dakota | None | $1,629.05 | $42,355 |
| Tennessee | None | $1,629.05 | $42,355 |
| Texas | None | $1,629.05 | $42,355 |
| Utah | $1,666 | $1,564.97 | $40,689 |
| Vermont | $1,286 | $1,579.58 | $41,069 |
| Virginia | $2,061 | $1,549.78 | $40,294 |
| Washington | $693.58 | $1,602.37 | $41,661 |
| West Virginia | $1,444 | $1,573.51 | $40,911 |
| Wisconsin | $1,577 | $1,568.41 | $40,778 |
| Wyoming | None | $1,629.05 | $42,355 |
Hourly wages after federal taxes
40 hours a week, single, paid every two weeks, before state tax.
| Hourly rate | Yearly pay | Paycheck after federal taxes |
|---|---|---|
| $15 an hour | $31,200 | $1,048.05 |
| $18 an hour | $37,440 | $1,240.89 |
| $20 an hour | $41,600 | $1,369.45 |
| $22 an hour | $45,760 | $1,498.01 |
| $25 an hour | $52,000 | $1,690.85 |
| $30 an hour | $62,400 | $2,012.25 |
| $35 an hour | $72,800 | $2,309.42 |
How it's calculated
- Yearly gross pay: your hourly rate times your hours times 52 (overtime hours at one and a half times the rate), or your salary.
- Pre-tax deductions come off first: a traditional 401(k) and other pre-tax amounts lower income tax; health premiums lower income tax, Social Security and Medicare.
- Federal income tax: the 2026 brackets of 10% to 37% on pay after the standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household). Hourly overtime also gets the overtime deduction: the premium half of time and a half, up to $12,500 a year ($25,000 joint), is not taxed by the IRS.
- Social Security: 6.2% of wages up to $184,500. Medicare: 1.45% of all wages, plus 0.9% above $200,000 (single) or $250,000 (married filing jointly).
- State income tax with the state's own brackets, deductions and exemptions, plus state disability or paid-leave payroll deductions where the state has them.
- Every amount is divided by your number of paychecks: 52 weekly, 26 every two weeks, 24 twice a month, 12 monthly.
Paycheck calculator by state
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
Take-home pay by salary
Frequently Asked Questions
How is my take-home pay worked out?
Your gross pay, less pre-tax deductions such as a 401(k) or health premiums, less federal income tax, Social Security (6.2%), Medicare (1.45%) and your state's income tax. At $20 an hour for 40 hours a week, single in Texas, that is $1,369.45 every two weeks, or $35,606 a year from $41,600.
How much federal income tax comes out of my paycheck?
This calculator takes the 2026 tax on your yearly pay after the standard deduction ($16,100 for a single filer, $32,200 for a married couple filing jointly) and spreads it over your paychecks. On a $50,000 salary, single, that is about $3,820 a year, or $146.92 a paycheck every two weeks.
What is FICA?
Social Security and Medicare. You pay 6.2% of your wages for Social Security, up to $184,500 in 2026, and 1.45% for Medicare on all wages, plus 0.9% more on wages above $200,000 (single). Your employer pays the same 6.2% and 1.45% on top.
Which states have no state income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wages. In those states your paycheck loses only federal income tax, Social Security and Medicare.
How does a 401(k) change my paycheck?
A traditional 401(k) comes out before federal and most state income tax, so it lowers your tax. Putting 5% of a $50,000 salary into a 401(k) takes $96.15 from each biweekly paycheck but cuts your take-home by only $84.61. Social Security and Medicare still apply to the money you put in.
Why is my real paycheck different?
Your employer withholds tax using your W-4, which can add or reduce withholding for other income, credits or a second job. This calculator also leaves out local income taxes (in cities such as New York and Philadelphia and in many Ohio, Pennsylvania, Maryland and Indiana localities), tax credits and benefits deducted after tax.
What is the difference between gross pay and net pay?
Gross pay is what you earn before anything comes out: your hourly rate times your hours, or your salary. Net pay, or take-home pay, is what reaches your bank account after taxes and deductions.
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