US Paycheck & Take-Home Pay Calculator
Calculate net take-home pay per paycheck, bi-weekly, and annual salary after 2026 Federal, FICA, and State taxes.
Calculate net take-home pay per paycheck, bi-weekly, and annual salary after 2026 Federal, FICA, and State taxes.
Calculate net take-home pay per paycheck, bi-weekly, and annual salary after 2026 Federal, FICA, and State taxes. Calculate exact, penny-accurate projections compliant with 2026 IRS • St. Louis FED (FRED) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Take-Home Pay = Gross Pay - Federal Tax - FICA (SS 6.2% + Medicare 1.45%) - State Tax - Pre/Post DeductionsUnder the Internal Revenue Code (IRC) and Federal Insurance Contributions Act (FICA), employee paychecks are subject to deterministic statutory withholdings. Precision IEEE-754 decimal arithmetic ensures zero penny roundoff drift across weekly, bi-weekly, and annual payroll cycles.
Pre-calculated benchmark tables across different budgets, terms, and rate models.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
Take-home pay starts with your gross salary or hourly wages. Pre-tax deductions (such as 401(k) contributions and Section 125 health insurance) are subtracted to determine taxable wages. Federal Income Tax is calculated using progressive IRS brackets (10% to 37%) after subtracting the Standard Deduction. FICA taxes (6.2% Social Security up to $168,600 and 1.45% Medicare plus an optional 0.9% high-income surtax) are deducted. Finally, applicable state and local income taxes are withheld.
A bi-weekly schedule results in 26 paychecks per year (paid every two weeks, usually on Fridays). This means two months of the year will have three paychecks instead of two. A semi-monthly schedule produces exactly 24 paychecks per year (usually paid on the 15th and last day of each month).
Nine US states have no standard state earned income tax: Alaska, Florida, Nevada, New Hampshire (taxes dividend and interest income only), South Dakota, Tennessee, Texas, Washington (taxes high capital gains only), and Wyoming.
No. Traditional 401(k) contributions are exempt from Federal and State income taxes, but they remain subject to FICA taxes (Social Security and Medicare). Section 125 cafeteria plans (like employer health insurance premiums, HSA, and FSA contributions), however, are exempt from both income taxes and FICA.
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