Paycheck Calculators
Paycheck Calculator
Enter your gross pay and PaycheckLab estimates your 2026 take-home pay after federal income tax, Social Security, Medicare, and state income tax.
2026 take-home pay estimate
Annual gross used: $85,000
Estimated take-home, per year
$68,627.50
- Net per year
- $68,628
- Take-home rate
- 80.7%
- Top federal rate
- 22%
- Paychecks / year
- 1
Annual deductions from gross
Estimate for the 2026 tax year using the federal standard deduction and published IRS/SSA rates. It does not model itemized deductions, tax credits, dependents, or local city taxes. Not tax advice.
About this calculator
A free U.S. take-home-pay calculator for the 2026 tax year. It turns gross pay into an estimated net paycheck by applying 2026 federal income tax brackets, the 6.2% Social Security tax up to the $184,500 wage base, the 1.45% Medicare tax (plus the 0.9% Additional Medicare Tax over the threshold), and optional state income tax. Every rate is sourced from the IRS and SSA and dated. This is an estimate, not tax advice, and it runs entirely in your browser.
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Questions
- Is the paycheck calculator free and private?
- Yes. It is free, needs no account, and calculates entirely in your browser — your pay figures are never uploaded or stored.
- What does the calculator include?
- It estimates 2026 federal income tax (single or married-filing-jointly brackets after the standard deduction), Social Security at 6.2% up to the $184,500 wage base, Medicare at 1.45% plus the 0.9% Additional Medicare Tax over the threshold, and state income tax for the supported states.
- Why might the estimate differ from my actual paycheck?
- The calculator uses the federal standard deduction and does not model itemized deductions, tax credits, dependents, local city taxes, or pre-tax health premiums. Pre-tax retirement contributions reduce income tax but not Social Security and Medicare. Treat the result as a close estimate, not the exact figure your employer withholds.
- Which tax year does it use?
- The 2026 tax year. Federal brackets and the standard deduction come from IRS Rev. Proc. 2025-32, and the Social Security wage base is the SSA 2026 figure of $184,500.