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Paycheck Calculator
See your 2026 take-home pay per paycheck and per year after federal income tax withholding, Social Security, Medicare, state and local tax, and your 401(k), HSA and health deductions.
How your take-home pay is calculated
- Federal income tax(annual wages − 401(k) − HSA − health + W-4 4(a) − 4(b) − $8,600 [$12,900 MFJ]) → 2026 Pub. 15-T table − W-4 Step 3 credits, ÷ paychecks
- Social Security6.2% × (wages − HSA − health), up to $184,500
- Medicare1.45% × (wages − HSA − health) + 0.9% above $200,000
- State income tax(state wages − standard deduction − exemptions) → state brackets − credits
- Take-homegross − all taxes − pre-tax − after-tax deductions
Subtracting $8,600 and starting the 10% band at $7,500 is the IRS's way of building the $16,100 standard deduction into withholding, so for one job the result equals the 2026 tax on wages minus the standard deduction.
Worked example
Single, $60,000 salary, paid every two weeks, living in Texas, no deductions:
- Federal: $60,000 − $8,600 = $51,400 → $1,240 + 12% × ($51,400 − $19,900) = $5,020.00 a year
- Social Security: 6.2% × $60,000 = $3,720.00
- Medicare: 1.45% × $60,000 = $870.00
- Texas income tax: $0
- Take-home: $60,000 − $9,610.00 = $50,390.00
÷ 26 paychecks = $1,938.08 take-home on a gross check of $2,307.69. Effective tax rate 16.0%; the next dollar is taxed at 19.7% (12% federal + 7.65% FICA).
Adding $200 per paycheck to a 401(k) cuts federal withholding to $169.08 but leaves Social Security and Medicare unchanged, so take-home falls by only $176.00, not $200.
Take-home pay at common salaries (2026)
Single filer in a state with no income tax on wages (Texas, Florida and others), no pre-tax deductions, paid every two weeks. Generated from the same code as the calculator.
| Salary | Federal tax | Social Security + Medicare | Take-home / year | Per biweekly check | Effective rate |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $34,320 | $1,320.00 | 14.2% |
| $50,000 | $3,820 | $3,825 | $42,355 | $1,629.04 | 15.3% |
| $60,000 | $5,020 | $4,590 | $50,390 | $1,938.08 | 16.0% |
| $70,000 | $6,570 | $5,355 | $58,075 | $2,233.65 | 17.0% |
| $80,000 | $8,770 | $6,120 | $65,110 | $2,504.23 | 18.6% |
| $90,000 | $10,970 | $6,885 | $72,145 | $2,774.81 | 19.8% |
| $100,000 | $13,170 | $7,650 | $79,180 | $3,045.38 | 20.8% |
| $125,000 | $18,734 | $9,563 | $96,704 | $3,719.37 | 22.6% |
| $150,000 | $24,734 | $11,475 | $113,791 | $4,376.58 | 24.1% |
| $175,000 | $30,734 | $13,388 | $130,879 | $5,033.79 | 25.2% |
| $200,000 | $36,734 | $14,339 | $148,927 | $5,727.96 | 25.5% |
Withholding vs. the tax you actually owe
Your paycheck shows withholding: a prepayment your employer works out from the annualized paycheck and your Form W-4. Your tax liability is settled on your return, and any difference becomes a refund or a balance due.
For one job with only wages and the standard deduction the two are the same: the $60,000 example withholds $5,020.00, and the 2026 tax on $60,000 − $16,100 is $5,020.00. They drift apart with two jobs (the IRS Tax Withholding Estimator handles those), side income, itemized or the new tips/overtime deductions, the earned income credit, or a raise mid-year.
What isn't modelled
- Bonuses and supplemental wages (often withheld at a flat 22%).
- W-4 Step 2 (multiple jobs) and pre-2020 W-4 allowances.
- Working in a different state from where you live, and reciprocity agreements.
- Local taxes other than Maryland counties, New York City and Yonkers — enter your city, county or school-district rate as a percentage of wages instead (for example Philadelphia, Ohio cities, Indiana counties). Real local bases and credits vary.
- Most income-based phase-outs of state deductions, exemptions and credits (Connecticut, South Carolina, Utah and Wisconsin's are modelled) — see each state's note in the calculator.
State income tax rates used
Single-filer rates, standard deduction, exemption or credit from the calculator's data file (checked 2026-10-07). Married and head-of-household brackets differ in many states and are used by the calculator. * California and Vermont: 2026 figures weren't published, so the latest official year is used. † District of Columbia, Idaho, North Dakota, Utah: one or more 2026 amounts couldn't be confirmed from the state's own publications (see the state notes in the calculator).
| State | Rate (single) | Allowances (single) | Tax year |
|---|---|---|---|
| Alabama | 2% – 5% | std. deduction $3,000, exemption $1,500 | 2026 |
| Alaska | No tax on wages | — | 2026 |
| Arizona | 2.5% flat | std. deduction $16,100 | 2026 |
| Arkansas | 2% – 3.7% | std. deduction $2,470, credit $29 | 2026 |
| California | 1% – 13.3% | std. deduction $5,706, credit $153 | 2025* |
| Colorado | 4.4% flat | std. deduction $16,100 | 2026 |
| Connecticut | 2% – 6.99% | exemption $15,000 | 2026 |
| Delaware | 2.2% – 6.6% | std. deduction $3,250, credit $110 | 2026 |
| District of Columbia | 4% – 10.75% | std. deduction $16,100 | 2026† |
| Florida | No tax on wages | — | 2026 |
| Georgia | 4.99% flat | std. deduction $15,000 | 2026 |
| Hawaii | 1.4% – 11% | std. deduction $8,000, exemption $1,144 | 2026 |
| Idaho | 5.3% flat | std. deduction $16,100 | 2026† |
| Illinois | 4.95% flat | exemption $2,925 | 2026 |
| Indiana | 2.95% flat | exemption $1,000 | 2026 |
| Iowa | 3.8% flat | std. deduction $16,100, credit $40 | 2026 |
| Kansas | 5.2% – 5.58% | std. deduction $3,605, exemption $9,160 | 2026 |
| Kentucky | 3.5% flat | std. deduction $3,360 | 2026 |
| Louisiana | 3% flat | std. deduction $12,875 | 2026 |
| Maine | 5.8% – 9.15% | std. deduction $15,700, exemption $5,300 | 2026 |
| Maryland | 2% – 6.5% | std. deduction $3,400, exemption $3,200 | 2026 |
| Massachusetts | 5% – 9% | exemption $4,400 | 2026 |
| Michigan | 4.25% flat | exemption $5,900 | 2026 |
| Minnesota | 5.35% – 9.85% | std. deduction $15,300 | 2026 |
| Mississippi | 4% flat | std. deduction $2,300, exemption $6,000 | 2026 |
| Missouri | 2% – 4.7% | std. deduction $16,100 | 2026 |
| Montana | 4.7% – 5.65% | std. deduction $16,100 | 2026 |
| Nebraska | 2.46% – 4.55% | std. deduction $8,850, credit $176 | 2026 |
| Nevada | No tax on wages | — | 2026 |
| New Hampshire | No tax on wages | — | 2026 |
| New Jersey | 1.4% – 10.75% | exemption $1,000 | 2026 |
| New Mexico | 1.5% – 5.9% | std. deduction $16,100 | 2026 |
| New York | 3.9% – 10.9% | std. deduction $8,000 | 2026 |
| North Carolina | 3.99% flat | std. deduction $12,750 | 2026 |
| North Dakota | 1.95% – 2.5% | std. deduction $16,100 | 2026† |
| Ohio | 2.75% flat | exemption $2,400 | 2026 |
| Oklahoma | 2.5% – 4.5% | std. deduction $6,350, exemption $1,000 | 2026 |
| Oregon | 4.75% – 9.9% | std. deduction $2,910, credit $263 | 2026 |
| Pennsylvania | 3.07% flat | none | 2026 |
| Rhode Island | 3.75% – 5.99% | std. deduction $11,200, exemption $5,250 | 2026 |
| South Carolina | 1.99% – 5.21% | std. deduction $15,000 | 2026 |
| South Dakota | No tax on wages | — | 2026 |
| Tennessee | No tax on wages | — | 2026 |
| Texas | No tax on wages | — | 2026 |
| Utah | 4.45% flat | credit $966 | 2026† |
| Vermont | 3.35% – 8.75% | std. deduction $7,650, exemption $5,300 | 2025* |
| Virginia | 2% – 5.75% | std. deduction $8,750, exemption $930 | 2026 |
| Washington | No tax on wages | — | 2026 |
| West Virginia | 2.11% – 4.58% | exemption $2,000 | 2026 |
| Wisconsin | 3.5% – 7.65% | std. deduction $13,960, exemption $700 | 2026 |
| Wyoming | No tax on wages | — | 2026 |
Sources and assumptions
Checked 2026-10-07. This is an estimate for planning, not tax advice; your employer's payroll may round each step and use your state's own withholding formulas.
- Federal brackets and standard deduction: IRS Rev. Proc. 2025-32 (2026 inflation adjustments, including One Big Beautiful Bill Act changes).
- Withholding method and tables: IRS Publication 15-T (2026), Worksheet 1A and the annual STANDARD percentage-method schedules; Form W-4 (2026) Step 3 amounts and Step 4(b) deductions worksheet.
- Social Security wage base $184,500: Social Security Administration, 2026 contribution and benefit base. Medicare and Additional Medicare Tax: IRS Publication 15 (2026).
- 2026 401(k) limit $24,500 (IRS Notice 2025-67) and HSA limits $4,400 / $8,750 (Rev. Proc. 2025-19), used only for warnings.
- State figures: each state's revenue department, cross-checked against the Tax Foundation's 2026 state individual income tax table. Per-state sources:
- Alabama (2026): Alabama DOR Withholding Tax Tables and Instructions, Jan 2026 (revenue.alabama.gov/wp-content/uploads/2026/01/whbooklet_0126.pdf); ALDOR FAQs on standard deduction and personal exemptions (revenue.alabama.gov/faqs/how-much-is-the-alabama-standard-deduction/, revenue.alabama.gov/faqs/what-personal-exemptions-am-i-entitled-to/); cross-check: Tax Foundation 2026
- Arizona (2026): Arizona HB 4168 (2026) as enacted, A.R.S. 43-1041 and 43-1073.01 (azleg.gov/legtext/57leg/2R/summary/S.4168-1861ATT_ASENACTED.DOCX.htm); Forvis Mazars 'Arizona updates IRC conformity date to January 1, 2026' (forvismazars.us/forsights/2026/07/arizona-updates-irc-conformity-date-to-january-1-2026); IRS Rev. Proc. 2025-32 for 2026 federal standard deduction; cross-check: Tax Foundation 2026
- Arkansas (2026): Arkansas DFA Withholding Tax Formula Method effective 01/01/2026 (dfa.arkansas.gov; std deduction $2,470, $29 credit, 2026 brackets) and revised 3.7% formula of May 29, 2026 (Bloomberg Tax: news.bloombergtax.com/payroll/arkansas-reduces-highest-tax-rate-in-2026-withholding-methods); Thomson Reuters 'Arkansas cuts individual and corporate income tax rates' (tax.thomsonreuters.com/news/arkansas-cuts-individual-and-corporate-income-tax-rates/); EY Tax News 2026-1239; DFA 2025 tax credit guidance (dfa.arkansas.gov/wp-content/uploads/503-TaxCredits.pdf); cross-check: Tax Foundation 2026 (still lists 3.9%)
- California (2025): FTB 2025 California Tax Rate Schedules (ftb.ca.gov/forms/2025/2025-540-tax-rate-schedules.pdf); FTB 2025 Form 540 Personal Income Tax Booklet (ftb.ca.gov/forms/2025/2025-540-booklet.pdf; $153/$475 exemption credits, HSA adjustments); EDD California Withholding Schedules for 2026 (edd.ca.gov/siteassets/files/pdf_pub_ctr/26methb.pdf); FTB AB 781 analysis (ftb.ca.gov/tax-pros/law/legislation/2025-2026/AB781-032825.pdf); cross-check: Tax Foundation 2026 (uses the same 2025 brackets)
- Colorado (2026): Colorado DOR Wage Withholding Tax Guide Jan 2026 (tax.colorado.gov/sites/tax/files/documents/Wage_Withholding_Tax_Guide_Jan_2026.pdf) and DR 1098 (tax.colorado.gov/DR1098); Bloomberg Tax 'Colorado Updates Withholding Formula, Certificate for 2026'; EY Tax News 2024-1127 on SB24-228; cross-check: Tax Foundation 2026
- Connecticut (2026): CT DRS Form CT-1040 TCS 2025 Tax Calculation Schedule (portal.ct.gov/drs; Tables A-E); Shipman & Goodwin '2026 Connecticut Tax Developments' (shipmangoodwin.com/insights/2026-connecticut-tax-developments.html); cross-check: Tax Foundation 2026
- Delaware (2026): Delaware Division of Revenue Employer's Guide tax computation table effective Jan 1, 2025 (revenue.delaware.gov/employers-guide-withholding-regulations-employers-duties/) and software-developer rate table (revenue.delaware.gov/software-developer/tax-rate-changes/); cross-check: Tax Foundation 2026
- District of Columbia (2026): DC OTR 2026 D-40ES booklet, rate table and standard deduction (otr.cfo.dc.gov/sites/default/files/dc/sites/otr/publication/attachments/2026_D40ES_Book_wLinks04012026.pdf); DC OTR 2025 D-40 booklet for 2025 decoupled deduction (otr.cfo.dc.gov/sites/default/files/dc/sites/otr/publication/attachments/2025_D40_Book_082026_v1.pdf); DC CFO fiscal impact statement, FY2027 Budget Support Act of 2026, subtitle VII(I) (app.cfo.dc.gov/services/fiscal_impact/pdf/spring09/FIS%20Fiscal%20Year%202027%20Budget%20Support%20Act%20of%202026.pdf); cross-check: Tax Foundation 2026
- Georgia (2026): Georgia HB 463 (2026) enrolled text (legiscan.com/GA/text/HB463/id/3413420/Georgia-2025-HB463-Enrolled.pdf; legis.ga.gov); BDO alert (bdo.com/insights/tax/georgia-enacts-income-tax-reduction-bill); AJC on signing (ajc.com/politics/2026/05/brian-kemp-signs-georgia-income-property-tax-cuts-now-comes-the-hard-part/); cross-check: Tax Foundation 2026 (pre-HB 463)
- Hawaii (2026): Hawaii Department of Taxation Announcement No. 2024-03 on Act 46, SLH 2024 (files.hawaii.gov/tax/news/announce/ann24-03.pdf); cross-check: Tax Foundation 2026
- Idaho (2026): Idaho State Tax Commission 2026 withholding tables, revised 07-23-2026 (tax.idaho.gov/wp-content/uploads/pubs/EPB00744/EPB00744_07-23-2026.pdf, .../EPB00745/EPB00745_07-23-2026.pdf) and press release (tax.idaho.gov/pressrelease/withholding-tables-updated-for-2026/); Idaho Capital Sun on HB 559 (idahocapitalsun.com/2026/02/11/idaho-governor-signs-bill-adopting-nearly-all-tax-changes-from-federal-big-beautiful-bill/); cross-check: Tax Foundation 2026 (5.3% over $4,811/$9,622, std ded $16,100/$32,200)
- Illinois (2026): Illinois Department of Revenue 2026 Booklet IL-700-T, withholding tables effective Jan 1, 2026 (tax.illinois.gov/content/dam/soi/en/web/tax/forms/withholding/documents/currentyear/il-700-t.pdf); cross-check: Tax Foundation 2026
- Indiana (2026): Indiana DOR Departmental Notice #1, eff. Oct 1, 2026 (in.gov/dor/files/dn01.pdf); Indiana DOR rates page (in.gov/dor/resources/tax-rates-and-reports/rates-fees-and-penalties/); cross-check: Tax Foundation 2026
- Iowa (2026): Iowa Department of Revenue IA 1040 expanded instructions, exemption credits and taxable income (revenue.iowa.gov/taxes/tax-guidance/individual-income-tax/1040-expanded-instructions/exemption-credits; .../iowa-taxable-income); Iowa tax reform page (revenue.iowa.gov/tax-reform); cross-check: Tax Foundation 2026
- Kansas (2026): K.S.A. 79-32,110 rates (ksrevisor.gov/statutes/chapters/ch79/079_032_0110.html), 79-32,119 standard deduction (ksrevisor.gov/statutes/chapters/ch79/079_032_0119.html), 79-32,121 exemptions (ksrevisor.gov/statutes/chapters/ch79/079_032_0121.html); MFS std ded from KDOR 2025 Income Tax Booklet (ksrevenue.gov/incomebook25.html); cross-check: Tax Foundation 2026
- Kentucky (2026): Kentucky DOR 2026 Withholding Formula (revenue.ky.gov/Forms/2026%20Withholding%20Formula.pdf); cross-check: Tax Foundation 2026
- Louisiana (2026): Louisiana Dept. of Revenue 2026 withholding tables regulation, LAC 61:I.1501 (dam.ldr.la.gov/lawspolicies/NOI-Withholding Tables LAC 61.I.1501.pdf; dam.ldr.la.gov/lawspolicies/1501-OSR.pdf); cross-check: Tax Foundation 2026
- Maine (2026): Maine Revenue Services 2026 individual income tax rate schedules, revised May 20, 2026 (maine.gov/revenue/sites/maine.gov.revenue/files/2026-05/ind_tax_rate_sched_2026_rev.pdf; original maine.gov/revenue/sites/maine.gov.revenue/files/inline-files/ind_tax_rate_sched_2026.pdf); MRS 2026 legislative changes (maine.gov/revenue/sites/maine.gov.revenue/files/inline-files/legischange26.pdf); Thomson Reuters summary (tax.thomsonreuters.com/news/maine-announces-individual-income-tax-rate-schedules-personal-exemption-standard-deduction-for-2026/); MECEP 2026 session recap (mecep.org/blog/2026-session-recap-tax-policy/)
- Maryland (2026): Comptroller of Maryland 2026 Employer Withholding Guide (marylandcomptroller.gov/content/dam/mdcomp/tax/instructions/withholding/2026/withholding-guide.pdf); DLS fiscal note HB 411 (2026) describing BRFA 2025 current law (mgaleg.maryland.gov/2026RS/fnotes/bil_0001/hb0411.pdf); Grant Thornton BRFA summary (grantthornton.com/insights/alerts/tax/2025/salt/k-o/md-enacts-major-tax-hikes-06-12); cross-check: Tax Foundation 2026
- Massachusetts (2026): Mass. DOR surtax threshold certification for tax year 2026 (mass.gov/doc/fy26-surtax-certification-period-2/download); Mass. DOR personal exemptions (mass.gov/info-details/personal-income-tax-exemptions); Mass. DOR tax rates (mass.gov/info-details/massachusetts-tax-rates); cross-check: Tax Foundation 2026 (lists 2025 threshold $1,083,150)
- Michigan (2026): Michigan Treasury 2026 Withholding Guide, Form 446 (michigan.gov/taxes/biz-forms/withholding/2026-withholding-tax-forms) and 2026 withholding data (michigan.gov/taxes/-/media/Project/Websites/taxes/Tax-Interest-Calculator/2026WithholdingtaxinfoJson.json); Bloomberg Tax 'Michigan Releases 2026 Withholding Guide'; cross-check: Tax Foundation 2026
- Minnesota (2026): Minnesota Dept. of Revenue press release 2025-12-16, 2026 brackets, standard deduction and dependent exemption (revenue.state.mn.us/press-release/2025-12-16/minnesota-income-tax-brackets-standard-deduction-and-dependent-exemption); cross-check: Tax Foundation 2026
- Mississippi (2026): Mississippi DOR individual income tax rates, exemptions and deductions (dor.ms.gov/individual/tax-rates); Bloomberg Tax 'Mississippi DOR Issues Information on 2026 Income Tax Rates'; cross-check: Tax Foundation 2026
- Missouri (2026): Missouri DOR 2026 withholding tables (dor.mo.gov/forms/Withholding Table - ALL_2026.pdf); Bloomberg Tax 'Missouri Releases 2026 Withholding Methods' (news.bloombergtax.com/payroll/missouri-releases-2026-withholding-methods); cross-check: Tax Foundation 2026
- Montana (2026): Montana DOR HB 337 rate changes (revenue.mt.gov/news/recent-news/HB-337); cross-check: Tax Foundation 2026
- Nebraska (2026): Nebraska DOR 2026 Tax Calculation Schedule draft (revenue.nebraska.gov/sites/default/files/doc/tax-forms/drafts/2026_tax_calculation_schedule.pdf); 2026 Form 1040N draft (revenue.nebraska.gov/sites/default/files/doc/tax-forms/drafts/f_1040n.pdf); cross-check: Tax Foundation 2026
- New Jersey (2026): NJ Division of Taxation tax rate schedules 2020 and after (nj.gov/treasury/taxation/taxtables.shtml); NJ TB-39(R) Cafeteria Plans (nj.gov/treasury/taxation/pdf/pubs/tb/tb39r.pdf); HSA non-conformity: pending bill A2634 (2026) not enacted; cross-check: Tax Foundation 2026
- New Mexico (2026): NMSA 7-2-7 as amended by Laws 2024 ch. 67 sec. 5, NM TRD 'Personal Income Tax Rates for Tax Years Starting 2025' (archived at taxsim.nber.org/historical_state_tax_forms/NM/2025/PIT%20rates_2005_2025.pdf); HB 252 (nmlegis.gov/Sessions/24%20Regular/bills/house/HB0252.HTML); cross-check: Tax Foundation 2026
- New York (2026): NYS DTF Form IT-2105-I (2026) instructions, New York State tax rate schedules and standard deduction table (tax.ny.gov/pdf/2026/inc/it2105i_2026.pdf); cross-check: Tax Foundation 2026 (taxfoundation.org/data/all/state/state-income-tax-rates-2026/)
- North Carolina (2026): NCDOR tax rate schedules (ncdor.gov/taxes-forms/individual-income-tax/tax-rate-schedules); NCDOR standard deduction page (ncdor.gov/taxes-forms/individual-income-tax/north-carolina-standard-deduction-or-north-carolina-itemized-deductions); cross-check: Tax Foundation 2026
- North Dakota (2026): ND Office of State Tax Commissioner 2026 Form ND-1ES tax rate schedules, page 2 (tax.nd.gov/sites/www/files/documents/forms/individual/2025-iit/28709-form-nd-1es-2026.pdf; figures as transcribed in PolicyEngine-US PR 9165, github.com/PolicyEngine/policyengine-us/pull/9165); federal std deduction: IRS Rev. Proc. 2025-32 / OBBBA; Tax Foundation 2026 lists the 2025 thresholds ($48,475/$244,825 single) and appears stale
- Ohio (2026): Ohio Revised Code 5747.02 as amended by HB 96, eff. 9-30-2025 (codes.ohio.gov/assets/laws/revised-code/authenticated/57/5747/5747.02/9-30-2025/5747.02-9-30-2025.pdf); EY Tax News 2025-1744 HB 96 summary (taxnews.ey.com/news/2025-1744); Ohio 2026 withholding percentage method (dam.assets.ohio.gov/image/upload/tax.ohio.gov/employer_withholding/2026%20Withholding%20Tables/WHT_PercentageMethod_2026.pdf); cross-check: Tax Foundation 2026 (2.75% > $26,050, $2,400 exemption)
- Oklahoma (2026): Oklahoma Tax Commission 2026 Income Tax Withholding Tables, Packet OW-2 rev. 11-2025 (oklahoma.gov/content/dam/ok/en/tax/documents/resources/publications/businesses/withholding-tables/WHTables-2026.pdf); OTC bill impact HB 2764 (otcportal.tax.ok.gov/billimpact/Home/GetPDF/2025HB2764); cross-check: Tax Foundation 2026
- Oregon (2026): Oregon DOR Withholding Tax Formulas 2026, 150-206-436 rev. 12-31-25 (oregon.gov/dor/forms/FormsPubs/withholding-tax-formulas_206-436_2026.pdf); Oregon DOR Publication OR-ESTIMATE 2026 (rate charts S/J, federal tax subtraction $0-$8,750); cross-check: Tax Foundation 2026
- Pennsylvania (2026): PA DOR Personal Income Tax page (pa.gov/agencies/revenue/resources/tax-types-and-information/personal-income-tax); PA PIT Guide - Gross Compensation (pa.gov/content/dam/copapwp-pagov/en/revenue/documents/formsandpublications/papersonalincometaxguide/documents/pitguide_grosscompensation.pdf); PA DOR letter ruling PIT-06-005 on HSAs/cafeteria plans (pa.gov/content/dam/copapwp-pagov/en/revenue/documents/taxlawpoliciesbulletinsnotices/letterrulings/pit/documents/pit-06-005.pdf); PA PIT Guide - Deductions and Credits (pa.gov/agencies/revenue/forms-and-publications/pa-personal-income-tax-guide/deductions-and-credits); cross-check: Tax Foundation 2026
- Rhode Island (2026): RI Division of Taxation 2026 inflation adjustments advisory (tax.ri.gov/sites/g/files/xkgbur541/files/2025-11/ADV_2025_22_Inflation_Adjustments.pdf - site blocks automated fetch, figures confirmed via tax.ri.gov search excerpt); cross-check: Tax Foundation 2026 (taxfoundation.org/data/all/state/state-income-tax-rates-2026/)
- South Carolina (2026): SCDOR Information Letter 26-20 (dor.sc.gov/sites/dor/files/policies/IL26-20.pdf); SCDOR H.4216 notice (dor.sc.gov/news/information-about-h-4216); RFA fiscal impact statement, signed version (scstatehouse.gov/sess126_2025-2026/fiscalimpactstatements/H4216%202026-03-30%20signed.pdf); dependent exemption: Tax Foundation 2026 (taxfoundation.org/data/all/state/state-income-tax-rates-2026/)
- Utah (2026): EY Tax News on S.B. 60 and revised Utah Pub 14 (taxnews.ey.com/news/2026-0913; taxnews.ey.com/news/2026-1045); credit rules Utah Code 59-10-1018 (le.utah.gov/xcode/Title59/Chapter10/C59-10-S1018_2026050620260506.pdf); 2025 base phase-out amounts from Utah TC-40 2025 instructions (tax.utah.gov/forms/current/tc-40inst.pdf, via search excerpt); cross-check: Tax Foundation 2026 ($966/$1,932 credit, $2,111 dependent)
- Vermont (2025): Vermont Dept. of Taxes 2025 Tax Rate Schedules (tax.vermont.gov/sites/tax/files/documents/TaxRateSched-2025.pdf; read via NBER mirror taxsim.nber.org/historical_state_tax_forms/VT/2025/TaxRateSched-2025.pdf) and 2025 Income Tax Booklet (taxsim.nber.org/historical_state_tax_forms/VT/2025/Income-Booklet-2025.pdf); 2026 withholding allowance per Bloomberg Tax summary of GB-1210-2026; cross-check: Tax Foundation 2026 (shows the same 2025 amounts)
- Virginia (2026): Virginia Tax Employer Withholding Instructions, wages paid after July 1, 2025 (tax.virginia.gov/sites/default/files/vatax-pdf/employer-withholding-instructions.pdf); EY on HB 1600 (taxnews.ey.com/news/2025-1326); cross-check: Tax Foundation 2026
- West Virginia (2026): WV SB 392 enrolled, W. Va. Code 11-21-4j (wvlegislature.gov/Bill_Text_HTML/2026_SESSIONS/RS/bills/sb392%20sub1%20enr.pdf); EY Tax News (taxnews.ey.com/news/2026-0864); exemption: Tax Foundation 2026
- Wisconsin (2026): Wisconsin DOR 2026 Form 1-ES Instructions, 2026 tax rate and standard deduction schedules (revenue.wi.gov/TaxForms2026/2026-Form1-ES-Inst.pdf); cross-check: Tax Foundation 2026
- State payroll contributions (2026, employee share, assuming the employee pays the maximum the law allows): Alaska — AK unemployment (UI): 0.5% up to $54,200 — AK DOLWD. California — CA SDI: 1.3%, no wage cap — EDD. Colorado — CO FAMLI: Half of 0.88% up to $184,500 — FAMLI Division. Connecticut — CT Paid Leave: 0.5% up to $184,500 — CT Paid Leave Authority. Delaware — Delaware Paid Leave: Up to half of 0.8% (25+ employees) — DE DOL. Hawaii — HI TDI: 0.5%, max $7.50 a week — HI DLIR. Maine — Maine PFML: Up to half of 1% — Maine DOL. Massachusetts — MA Paid Leave: 0.46% up to $184,500 — DFML. Minnesota — MN Paid Leave: Up to half of 0.88% — MN DEED. New Jersey — NJ UI + WF/SWF: 0.425% up to $44,800 — NJ DOL; NJ TDI + FLI: 0.42% up to $171,100 — NJ DOL. New York — NY disability (DBL): 0.5%, max $0.60 a week — NY WCB; NY Paid Family Leave: 0.432%, max $411.91 — NY DFS. Oregon — Paid Leave Oregon: 60% of 1% up to $184,500 — Oregon Employment Dept.; OR statewide transit tax: 0.1%, no cap — Oregon DOR. Pennsylvania — PA unemployment (UC): 0.07%, no cap — PA L&I. Rhode Island — RI TDI/TCI: 1.1% up to $100,000 — RI DLT. Washington — WA Paid Leave: 71.43% of 1.13% up to $184,500 — ESD; WA Cares (long-term care): 0.58%, no cap; exempt workers pay nothing — WA Cares Fund. Others are not included.
- Maryland county rates: Comptroller of Maryland, Withholding Tax Facts 2026 (marylandcomptroller.gov), applied to Maryland taxable income; Frederick County's rate applies to the whole income at the level reached. New York City and Yonkers: NYS Department of Taxation and Finance, Form IT-2105-I (2026) — NYC rates and Yonkers surcharge (tax.ny.gov).
- Hourly pay is annualized as rate × hours × 52 weeks. Pre-tax HSA and health premiums are assumed to go through a Section 125 cafeteria plan.
Frequently asked questions
How much is $60,000 a year after taxes in 2026?+
For a single filer in a state with no income tax (such as Texas or Florida) and no pre-tax deductions, about $50,390 a year: federal withholding $5,020, Social Security $3,720 and Medicare $870. Paid every two weeks, that's $1,938.08 per paycheck. State income tax lowers it further elsewhere.
Does a 401(k) contribution lower Social Security and Medicare tax?+
No. Traditional 401(k) and 403(b) deferrals reduce wages for federal income tax (and income tax in most states) but are still subject to Social Security and Medicare. On a $60,000 salary, $200 per biweekly paycheck into a 401(k) cuts federal withholding from $193.08 to $169.08 per check, while Social Security and Medicare stay at $176.54. Health premiums and HSA contributions through a Section 125 cafeteria plan do reduce Social Security and Medicare as well.
What is the Social Security wage base for 2026?+
$184,500. Social Security tax of 6.2% stops once your wages for the year reach it, so the most an employee pays is $11,439. Medicare's 1.45% has no cap, and employers must withhold an extra 0.9% Additional Medicare Tax on wages above $200,000. A single earner on $250,000 pays $11,439 Social Security and $4,075 Medicare in total.
Is withholding the same as the tax I'll owe?+
Not exactly. Withholding (what this calculator shows for federal tax) uses IRS Publication 15-T and your Form W-4; your actual tax is worked out on your return. They match closely for one job with only wages and the standard deduction, but differ if you have two jobs, other income, itemized deductions, credits like the earned income credit, or a mid-year pay change. The Additional Medicare Tax is withheld above $200,000 for everyone, but on the return the threshold is $250,000 for married couples filing jointly.
Are the new tips and overtime deductions included?+
Not automatically. For 2025–2028, qualified tips (up to $25,000) and the extra half of time-and-a-half overtime (up to $12,500, or $25,000 married filing jointly) can be deducted on your return, along with car loan interest (up to $10,000) and an extra $6,000 for people 65 or older, with income limits. Payroll withholding ignores them unless you add an estimate on Form W-4 Step 4(b). Enter that estimate in Extra deductions to see the effect. They never reduce Social Security or Medicare, and each state decides separately whether to follow them (this calculator applies them to federal tax only).
How is state income tax worked out?+
Your state taxable wages minus the state's standard deduction and personal exemptions (or credits), run through that state's brackets for your filing status. Nine states don't tax wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. This is a yearly estimate of the tax, which can differ slightly from your state's withholding tables.
Is anything I enter saved or sent?+
No. The calculation runs in your browser; nothing is stored or uploaded.