FBFinbrief

Tool · Paycheck

Paycheck calculator 2026 — all 50 states

Take-home pay for any U.S. state, by pay period. 2026 federal brackets + FICA + state income tax, with pre-tax deductions modeled.

Your paycheck inputs

$

Pre-tax wages, before any deductions.

Pre-tax deductions (annual)

%

Reduces federal taxable income; still subject to FICA.

%

Post-tax; reduces take-home but not taxable wages.

$

Pre-tax for federal + FICA + most states (not CA, NJ).

$

Pre-tax payroll deduction for federal + FICA + most states.

Your 2026 paycheck

Net per period (26/yr)
$2,410
Net annual
$62,671
Take-home %
73.7%
Total tax %
17.4%

Annual breakdown

Gross wages$85,000
− Traditional 401(k) + HSA + health premium−$7,500
Federal taxable wages (before std deduction)$77,500
Federal income tax−$8,510
Social Security (6.2%)−$5,121
Medicare (1.45%)−$1,198
Texas income tax−$0
Roth 401(k) (post-tax)−$0
Net annual take-home$62,671

State + local notes

  • Texas does not levy income tax on wages.

Want to shelter more?

Open a Traditional IRA, Roth IRA, or HSA in minutes and start cutting your taxable wages.

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Estimates only. Federal uses 2026 brackets (IR-2025-103); FICA SS wage base $ 183,600 (2026 estimate). State tax uses the most recent enacted 2026 rates per state DOR; some states are mid phase-down — verify before filing. Does NOT model city/county/school-district local tax. Does NOT model credits (CTC, EITC), AMT, NIIT, or supplemental withholding methods.

What this calculator does — and doesn't

Most paycheck calculators online use last year's rates and ignore state differences. This one is built on:

  • 2026 federal brackets from IRS Rev. Proc. 2025-32 (IR-2025-103, Oct 9, 2025).
  • 2026 FICA — Social Security 6.2% to the projected $183,600 wage base, Medicare 1.45% on all wages, plus the 0.9% Additional Medicare Tax above $200K (single, HoH, MFS) or $250K (MFJ).
  • 2026 state income tax for all 50 states + DC, using each state DOR's most recently enacted bracket schedule.
  • Pre-tax 401(k) + HSA + Section 125 health premium modeled per federal rules, with state-specific overrides for the four big exceptions (PA, NJ, AL on 401(k); CA, NJ on HSA).

What it doesn't do. Local taxes (NYC, Yonkers, Philadelphia & PA EIT, Ohio cities, Maryland counties, Kentucky counties, Indiana counties, Michigan cities) vary too much by ZIP to model here — the calculator flags states where the local-tax bite is meaningful so you know to add it. It also skips tax credits (Child Tax Credit, EITC), AMT, NIIT, and supplemental withholding methods used for bonuses and RSU vests.

The annualized tax this calculator computes matches what proper W-4 withholding targets across the year. Per-paycheck withholding tables (IRS Pub 15-T) round slightly differently — so a real paycheck stub may differ by a few dollars per period.

The 9 no-wage-tax states

If you live and work in Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, or Wyoming, your state income tax line is $0. The federal + FICA load alone runs ~22–28% on a typical $85K salary — most of your tax bill is federal, not state. Washington adds a 7% long-term capital gains tax on gains above $270K but doesn't touch wages.

High-tax vs. low-tax states

The 5 highest top marginal rates (2026): California 12.3% + 1% MHST, New York 10.9% (+ NYC ~3.876%), New Jersey 10.75%, DC 10.75%, Hawaii 11%. The 5 flat-rate states with the lowest single rate: Pennsylvania 3.07%, Indiana 2.9% (+ county tax), Arizona 2.5%, Ohio 2.75% / 3.5%, North Dakota 0–2.5%.

The headline rates don't tell the whole story. Indiana's 2.9% flat rate looks unbeatable until you add the average county rate (~1.5%). Pennsylvania's 3.07% climbs to ~6.8% for a Philadelphia resident once you add the wage tax. Use this calculator with the state where you actually live — and read the per-state local-tax flag at the bottom of the breakdown.

Bigger 401(k) = bigger paycheck (counterintuitively)

Bumping your traditional 401(k) from 6% to 10% on an $85K salary moves about $3,400/year into the plan — but your take-home only drops by about $2,500/year. The other $900 is federal income tax you would have paid. Try it in the calculator: change the 401(k) % and watch the net annual fall by less than the contribution amount. The gap widens as your income grows into higher brackets.

See how much to contribute to your 401(k), 401(k) vs. IRA: which first, and Roth vs. Traditional IRA for the strategy behind the numbers.

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