Paycheck Calculator USA (2026) Net Pay & Salary Calculator

Updated for 2026 Tax Year

Paycheck Calculator USA (2026)
Net Pay & Salary Calculator

Use our free paycheck calculator USA to estimate your net pay, salary after tax, and take-home income instantly. Supports federal and state taxes across all 50 states — updated for 2026 brackets.

All 50 States 2026 Federal Brackets OBBBA Tax-Free OT & Tips Gross to Net Calculator 100% Free
50
States Covered
2026
Tax Year
Free
Always
Live Estimate — $75,000 Salary
Annual Gross Pay$75,000
Federal Income Tax−$7,670
Social Security (6.2%)−4,650
Medicare (1.45%)−$1,088
Effective Tax Rate17.8%
Annual Take-Home$61,592
Bi-Weekly Paycheck$2,369
Free Tool

🧮 Take-Home Pay & Payroll Calculator (USA)

Our gross to net salary calculator handles federal tax, FICA, all 50 state taxes, and 2026 OBBBA overtime/tip exclusions. Enter your salary below.

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2026 US Paycheck Calculator — Gross to Net Pay

Federal income tax · FICA · OBBBA 2026 · State & Federal Tax · All 50 States

OBBBA 2026 All 50 States Tax-Free OT & Tips Pre-Tax Deductions Net Pay Calculator
💼 1. Income
$
OBBBA 2026 — Tax-Free Overtime & Tips

Under the One Big Beautiful Bill Act, overtime pay (up to $12,500) and tips (up to $25,000) are excluded from federal income tax. FICA still applies.

$
Up to $12,500 excluded
$
Up to $25,000 excluded
📋 3. Pre-Tax Deductions (optional)
$
$
$
$
📊

Enter your gross salary and click Calculate to see your full 2026 net pay breakdown.

Federal Tax Guide

How Much Federal Tax Is Taken Out of Your Paycheck?

📌 Quick Answer — Featured Snippet

Federal tax withheld from your paycheck depends on your income, filing status, and deductions. On average, US workers pay between 10% to 37% in federal income tax based on IRS progressive tax brackets. Due to 2026 inflation adjustments and OBBBA tax exclusions, most middle-income workers now have an effective tax rate of 11%–20%, meaning they keep 80–89 cents of every dollar earned (before state taxes and FICA).

How Much Federal Tax Should Be Withheld?

The amount of federal tax withheld from each paycheck depends on:

  • Your annual salary and taxable income
  • Filing status (Single, Married Jointly, Head of Household)
  • W-4 withholding selections and allowances
  • Pre-tax deductions (401k, HSA, health insurance)
👆 Use our calculator above to see your exact federal tax withholding →

How Much Federal Tax Comes Out of a Paycheck?

Most employees see federal income tax deductions ranging from 10% to 24% of their gross pay, depending on income level and the 2026 OBBBA tax exclusions. For a $75,000 salary (single filer), federal income tax withholding is approximately $7,670/year or about $295 per bi-weekly paycheck. The actual amount varies based on your W-4 selections and any pre-tax deductions like a 401(k) or HSA.

How Much Federal Tax Per Paycheck on $50,000–$100,000?

  • $50,000 salary: ~$3,745/yr federal tax (~$144/bi-weekly)
  • $75,000 salary: ~$7,670/yr federal tax (~$295/bi-weekly)
  • $100,000 salary: ~$13,170/yr federal tax (~$507/bi-weekly)
Calculate your exact amount →
2026 IRS Tax Brackets

What Percentage Is Federal Tax? (Single Filer)

Taxable IncomeFederal RateType
$0 – $12,40010%Lowest
$12,401 – $50,40012%Common
$50,401 – $105,70022%Middle
$105,701 – $201,77524%Upper
$201,776 – $256,22532%High
$256,226 – $640,60035%Very High
$640,601+37%Top

Standard deduction 2026: $16,100 (Single), $32,200 (MFJ), $24,150 (HoH). These amounts reduce your taxable income before brackets apply.

Plus FICA Taxes
FICA TaxRateWage Limit
Social Security6.2%$184,500
Medicare1.45%No limit
Additional Medicare0.9%Over $200k
Reference Table

US Salary After Tax — Estimated 2026

Gross to net salary estimates for common US incomes — Single filer, no state tax, standard deduction. Click any row to auto-fill the calculator.

Annual Salary Federal Tax FICA Eff. Rate Take-Home/Year Monthly Bi-Weekly
Loading table…
Step-by-Step

How Is Federal Tax Calculated on a Paycheck?

Federal tax is calculated using IRS progressive brackets, your filing status, and your standard deduction. Here's exactly how it works:

Start with Gross Income

Add your base salary + overtime + tips. This is your total annual gross pay before any deductions.

Subtract Pre-Tax Deductions

401(k), HSA contributions, health insurance premiums, and OBBBA exclusions all reduce your taxable income.

Apply Standard Deduction

Subtract the 2026 standard deduction: $16,100 (Single), $32,200 (MFJ), or $24,150 (Head of Household).

Apply Progressive Tax Brackets

Each portion of income is taxed at its bracket rate — only income above each threshold gets taxed at the higher rate.

Step 1: Gross Pay + Overtime + Tips = Total Gross
Step 2: Total Gross − 401(k) − HSA − OBBBA Exclusion = Adjusted Gross
Step 3: Adjusted Gross − Standard Deduction = Federal Taxable Income
Step 4: Apply IRS Brackets to Federal Taxable Income = Federal Income Tax
Step 5: Total Gross − Federal Tax − FICA − State Tax − Pre-Tax Ded. = NET TAKE-HOME PAY ✓

How to Calculate Federal Tax on a Paycheck (2026 Example)

Example: $75,000 salary, Single filer, no pre-tax deductions, no state tax.

  • Gross pay: $75,000
  • Standard deduction (2026): −$16,100 → Taxable income: $58,900
  • 10% on first $12,400 = $1,240.00
  • 12% on $12,401–$50,400 = $4,559.88
  • 22% on $50,401–$58,900 = $1,869.78
  • Total federal income tax: $7,670
  • Plus Social Security (6.2%) = $4,650 | Medicare (1.45%) = $1,088
  • Annual take-home: ~$61,592 | Bi-weekly: ~$2,369
All 50 States

Paycheck Calculator by State

Select your state for a detailed paycheck calculator with state-specific tax rates, brackets, and 2026 deductions. Each page includes salary tables and FAQs.

⭐TexasNo state tax 🌞FloridaNo state tax 🌲WashingtonNo state tax 🎰NevadaNo state tax 🏔Idaho5.30% flat ⛷Utah4.50% flat 🍑Georgia5.19% flat 🌽Illinois4.95% flat 🔔Pennsylvania3.07% flat 🌵Arizona2.50% flat 🏈OhioUp to 3.5% 🌾KansasUp to 5.7% 🌙AlabamaUp to 5% 🦀MarylandUp to 5.75% 🛢OklahomaUp to 4.75% 🌴CaliforniaUp to 13.3% 🗽New YorkUp to 10.9% 🏛VirginiaUp to 5.75% 🏔Colorado4.40% flat 🌲N. Carolina3.99% flat

Don't see your state? View all 50 state calculators →

Tools

More free tax and salary calculators to help you understand your full financial picture.

🏛 Federal Tax Calculator Calculate only your federal income tax liability based on 2026 IRS brackets and your filing status. Calculate → 💼 Payroll Calculator USA Full employer payroll calculator including employer FICA match, FUTA, and SUTA for small businesses. Calculate → 🔄 Gross to Net Salary Calculator Convert your gross annual salary to exact net pay across different pay frequencies and filing statuses. Calculate → 📊 Salary Federal Tax Calculator Estimate federal tax only on any salary — includes marginal vs effective rate breakdown and bracket visualization. Calculate → 🗺 State & Federal Tax Calculator Combined state + federal tax calculator. See your total tax burden for any state in 2026. Calculate → 📝 W-4 Withholding Calculator Figure out exactly how to fill out your W-4 to avoid owing taxes or getting a large refund. Calculate →
Financial Tools

Accurate 2026 tax and salary tools to help you plan your paycheck and understand your deductions.

📝 W-4 Withholding Calculator Figure out exactly how to fill out your W-4 to avoid owing taxes or getting a large refund. Calculate Now → 🏛 Federal Tax Calculator The complete 2026 tax engine including OBBBA exclusions, SE tax, and investment stacking. Estimate Tax → 📊 2026 Tax Brackets Table View the latest IRS inflation-adjusted brackets for all filing statuses and standard deductions. View Tables → 🔄 Tax Comparison Tool Compare two income scenarios side-by-side to see the impact of raises, marriage, or OBBBA. Compare Now →
💼 Payroll Calculator USA Soon Full employer payroll calculator including employer FICA match, FUTA, and SUTA. Developing...
🗺 State & Federal Tax Soon Combined state + federal tax calculator. See your total tax burden for 2026. Developing...
Expert Guide

Frequently Asked Questions

Federal income tax withholding depends on your taxable income and filing status. For 2026, rates range from 10% to 37%. Most salaried workers earning $50,000–$100,000 have an effective federal rate of 8%–15% once the standard deduction is applied. For a $75,000 salary as a single filer in 2026, approximately $7,750 in federal income tax is withheld annually — about $298 per bi-weekly paycheck.
Gross pay is your total earnings before any taxes or deductions are removed. Net pay (take-home pay) is the amount you actually receive. To get from gross to net, we subtract Federal Income Tax, FICA (Social Security & Medicare), State Taxes, and voluntary deductions like 401(k) contributions or health insurance premiums.
It uses a progressive bracket system. First, we subtract your standard deduction ($16,100 for Single in 2026) from your gross pay. The first $12,400 of remaining income is taxed at 10%, the next portion up to $50,400 is taxed at 12%, and so on. This ensures that only higher-level earnings are taxed at higher percentages.
Under the OBBBA (One Big Beautiful Bill Act) 2026, the first $12,500 of overtime and the first $25,000 of tips are excluded from Federal Income Tax. However, you still pay FICA taxes (7.65%) on this income. Our calculator automatically applies these 2026 exclusions to give you an accurate take-home estimate.
For 2026, the Social Security wage base has increased to $184,500. This means you only pay the 6.2% Social Security tax on your first $184,500 of earnings. Any income earned above this threshold is exempt from Social Security tax, though Medicare tax (1.45%) continues on all earnings.
Residents of Texas, Florida, Washington, Nevada, Wyoming, Alaska, South Dakota, and Tennessee enjoy 0% state income tax. New Hampshire also has no tax on earned wages. Living in these states can save you anywhere from 3% to 13% in take-home pay compared to states with high income taxes.

⚠️ Disclaimer

This paycheck calculator is for informational and educational purposes only. Results are estimates based on 2026 projected IRS tax brackets and rates. Tax laws change frequently. OBBBA provisions are based on proposed legislation. This tool does not constitute tax, legal, or financial advice. Always consult a qualified tax professional for your specific situation. PaycheckCalcUSA.com is not affiliated with the IRS or any government agency.