Gross salary to net paycheck: 2026 federal brackets, Social Security and Medicare, pre-tax benefits, and a flat state rate.
HSA and health premiums (cafeteria plan) skip income tax and FICA; 401(k) skips income tax only.
Set to 0 for no-income-tax states (TX, FL, WA, …). Real state brackets vary; this flat rate is an approximation.
Take-home pay depends heavily on where you work. These state pages bake in the real 2026 state income-tax rules so the numbers match your location:
California · New York · Texas · Florida · Illinois · Pennsylvania · Ohio · Georgia · North Carolina · Washington
This paycheck calculator turns gross salary into take-home pay using 2026 federal tax brackets, Social Security and Medicare (FICA), pre-tax benefit deductions, and a flat state rate. It shows exactly how each slice reduces your paycheck.
Start with gross pay, subtract pre-tax benefits, then federal income tax, Social Security and Medicare, and state tax. What remains is your net paycheck.
FICA is the combined Social Security (6.2%) and Medicare (1.45%) payroll tax withheld from every paycheck, matched by your employer.
Contributions to a 401(k), HSA, or pre-tax health premiums lower your taxable income, reducing the income tax withheld even though they shrink gross pay.