Paycheck Take-Home Pay Calculator

Estimate per-paycheck take-home pay from gross pay, 2026 US federal withholding, FICA, deductions, and manual state/local tax overrides.

Paycheck

Gross pay

Amount per pay period before taxes.

Pay frequency

Filing status

Matches W-4 Step 1 filing status.

State & local taxes

State tax override

State taxes are not built in yet. Enter your state's effective rate, or leave at 0% for federal-only.

Local tax override

Use this for city, county, or other local withholding rates.

W-4 advanced

Multiple jobs or spouse works (W-4 box 2c)

Uses the higher-withholding Pub. 15-T table when the logic supports it.

Qualifying children

W-4 Step 3: children under 17.

Other dependents

W-4 Step 3: other dependents.

Other income

Annual amount from W-4 4a.

Deductions over standard

Annual amount from W-4 4b.

Extra withholding

Extra amount withheld from each paycheck, W-4 4c.

Deductions

Pre-tax deductions

Traditional 401k, HSA, FSA, and similar deductions per paycheck.

Deduction	Per period	Actions

Post-tax deductions

Roth contributions, garnishments, or other after-tax deductions per paycheck.

Deduction	Per period	Actions

Paycheck take-home estimate

Gross pay: —
Filing status: —
Manual taxes: —
Net pay: —
Effective tax rate: —

Net per period

—

Estimated take-home each biweekly paycheck.

Use this net in the 50/30/20 budget Use this gross in the DTI calculator

Paycheck breakdown

Per-period values use the selected pay frequency.

Federal + FICA, with optional manual state/local overrides.

Line	Per period	Annual

Effective tax rate — Total tax divided by gross pay; pre-tax and post-tax deductions are not included.

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How this is calculated

The calculator annualizes gross pay and deductions using the selected pay frequency, computes 2026 federal withholding and FICA on the annual values, then divides the annual result back into the selected paycheck cadence.

W-4 advanced fields map to the post-2020 form: dependents reduce tentative annual federal tax, other income increases taxable wages, deductions over standard reduce taxable wages, and extra withholding is applied per paycheck.

State and local taxes are manual percentage overrides applied to gross pay after pre-tax deductions. Pre-tax rows are treated as reducing both federal and FICA wages in this v1 estimate.

Sources

IRS Publication 15-T (2026) — Federal Income Tax Withholding Methods. Internal Revenue Service. Retrieved Jun 1, 2026.
Social Security & Medicare tax rates and 2026 wage base. Social Security Administration. Retrieved Jun 1, 2026.

Method last reviewed June 1, 2026

How we choose and check our formulas