Payroll & wages
Paycheck calculator — take-home pay
Free paycheck calculator and take-home pay calculator for hourly and salary workers. Estimate net pay (gross to net) after federal income tax, state tax, and FICA — with W-4 filing status, weekly or biweekly pay, and optional pre-tax deductions. All 50 states + DC; CSV or pay-stub PDF export, no sign-up.
What this paycheck calculator does
This paycheck calculator estimates net pay (take-home pay) from your gross wages per pay period. Use it as a paycheck tax calculator, hourly paycheck calculator, or salary paycheck calculator — choose your mode, state, and pay frequency, then see federal tax, state tax, FICA, and optional deductions line by line.
Results are planning estimates only — not an official pay stub and not tax or payroll advice. Your employer’s payroll system may differ on rounding, year-to-date totals, and local taxes.
Salary or hourly
Enter gross per period or hourly rate × hours, with optional overtime hours.
All 50 states + DC
2026 state withholding tables; no-tax states show $0 state income tax.
W-4 & export
Filing status, dependents, 401(k), HSA/FSA, and CSV or pay-stub PDF export.
Gross to net pay (take-home pay calculator)
Gross pay is what you earn before taxes and deductions. Net pay is what you take home after withholding. A take-home pay calculator (or gross to net calculator) runs that math for one paycheck — not just annual salary conversion.
Ordio uses one URL for paycheck calculator and take home pay intent (same pattern as ADP and SmartAsset): enter gross, pick your state, and read net pay per period plus an annualized summary.
How take-home pay is calculated
Per-paycheck flow
Gross → pre-tax deductions → federal tax → state tax → FICA → post-tax deductions → net pay
The calculator annualizes your gross for bracket math, then converts withholding back to your pay frequency.
Enter gross pay
Choose salary or hourly mode. Enter gross per pay period (or annual gross when pay frequency is Annual).
Select state and frequency
Pick your work state and how often you are paid — weekly, bi-weekly, semi-monthly, monthly, or annual.
Set filing status
Choose single, married filing jointly, married filing separately, or head of household. Open W-4 & deductions for dependents, other income, and pre-tax benefits.
Review take-home pay
See net pay per period, annualized net, donut breakdown, and effective tax rate.
Export
Download CSV or a pay-stub-style PDF summary for your records.
Use the donut chart and line-by-line breakdown to see how much goes to federal income tax, state income tax, Social Security, and Medicare. The effective tax rate is total taxes divided by gross pay for that period.
What's taken out of a paycheck?
Most U.S. paychecks withhold federal income tax, state income tax (if applicable), FICA (Social Security and Medicare), and optional pre-tax benefits. The share of gross pay withheld depends on income, filing status, W-4 elections, and state rules — not a single flat percentage.
| Withholding type | Typical employee share (2026) | Set by |
|---|---|---|
| Federal income tax | Varies by income & W-4 | IRS Pub 15-T + Form W-4 |
| State income tax | 0%–13%+ by state | State revenue department |
| Social Security (FICA) | 6.2% up to $184,500 wage base | Federal law |
| Medicare (FICA) | 1.45% (+ 0.9% on high wages) | Federal law |
| Pre-tax 401(k), HSA, FSA | Your election % or $ | Benefits enrollment |
Example: $1,000/week gross in Texas, single filer, default W-4 — often about $157 total tax and deductions (~16% effective), leaving roughly $843 net per week. Change state to California and withholding is typically higher. Use the calculator above with your exact pay.
Federal income tax and your W-4
Federal withholding follows the IRS Form W-4 (2020 and later). Select your filing status, enter dependents (Step 3 credit), and open W-4 & deductions for Step 4 other income, extra deductions, multiple jobs, 401(k), HSA, FSA, and extra federal withholding.
- Step 1 — Personal information: Name, address, Social Security number, and filing status (single, married, head of household).
- Step 2 — Multiple jobs: If you and/or your spouse have more than one job, use the IRS worksheet or check multiple jobs in the calculator’s advanced panel.
- Step 3 — Dependents: Claim dependent tax credits ($2,000 per qualifying child for 2026). Enter count or total credit in W-4 & deductions.
- Step 4 — Other adjustments: Other income, deductions beyond the standard deduction, and extra withholding per paycheck.
- Give the form to payroll: Your employer applies the W-4 to each paycheck. You can submit a new W-4 anytime your situation changes.
Official tables: IRS Publication 15-T · About Form W-4.
State income tax by state
Pick your work state in the calculator — results update immediately. States with no income tax on wages include Texas, Florida, Washington, Nevada, Wyoming, South Dakota, Tennessee, Alaska, and New Hampshire (wages only).
High-search states such as California, New York, Texas, Florida, and Pennsylvania use 2026 bracket or flat-rate tables in this tool. Select your state above — no separate URL required.
Optional local income tax presets (NYC, Philadelphia, Yonkers) are in W-4 & deductions when city tax applies.
Worked examples: salary and take-home pay
| Scenario | Gross (per period) | Approx. net (Ordio 2026) | Notes |
|---|---|---|---|
| $50,000/yr, biweekly, TX, single | $1,923.08 | $1,623.97 | No state income tax |
| $75,000/yr, biweekly, CA, single | $2,884.62 | $2,239.28 | CA progressive state tax |
| $60,000/yr, semi-monthly, TX, married | $2,500.00 | $2,179.42 | Married filing jointly |
| $1,000/week, TX, single | $1,000.00 | $842.88 | Weekly paycheck calculator |
| $100,000/yr, monthly, NY, single | $8,333.33 | $6,165.51 | NY state withholding |
Figures use 2026 federal and state tables and default W-4 assumptions. Your actual paycheck may differ. Adjust state, filing status, and deductions in the calculator for your situation.
Hourly and shift workers
In hourly mode, enter your rate and hours per pay period. Add overtime hours and multiplier in W-4 & deductions when you earn time-and-a-half or double time.
Track weekly hours on our time card calculator. For gross salary ↔ hourly conversion without taxes, use the salary to hourly calculator. For OT-first estimates with the 2026 qualified overtime deduction preview, try the overtime calculator.
How to read a pay stub
A typical pay stub lists gross earnings, taxes withheld, benefit deductions, and net pay. This calculator mirrors that structure in the breakdown and PDF export.
Use Export PDF above for a printable summary. It is an estimate for planning, not an official document from your employer.
Weekly, biweekly, and monthly paycheck calculators
| Frequency | Paychecks per year | Example |
|---|---|---|
| Weekly | 52 | Every Friday |
| Bi-weekly | 26 | Every other Friday |
| Semi-monthly | 24 | 1st and 15th |
| Monthly | 12 | Once per month |
| Annual | 1 | Yearly bonus or contract gross |
The same annual salary yields different gross per check depending on frequency — a biweekly paycheck calculator divides by 26; a weekly paycheck calculator divides by 52. Select your frequency above; net pay updates automatically.
Paycheck calculator vs income tax calculator
This paycheck calculator shows per-pay-period withholding — federal, state, and FICA on each check. For annual federal and state income tax, marginal bracket, and a year-end refund or balance due, use the income tax calculator.
Use both: verify each pay stub here, then plan full-year liability and refund timing on the annual tool.
Pre-tax deductions and net pay
Traditional 401(k), HSA, and FSA contributions reduce taxable wages for federal (and most state) income tax when entered in W-4 & deductions. Medical, dental, and vision premiums can be entered as flat pre-tax amounts per period.
Roth 401(k) does not reduce current withholding — it is post-tax. This tool models traditional pre-tax elections. Employers calculating total labor cost can use the employee cost calculator.
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Frequently asked questions about this paycheck calculator
How do I calculate my take-home pay?
Enter your gross pay (salary per period or hourly rate × hours), select your state and W-4 filing status, and the calculator subtracts federal tax, state tax, and FICA to show net pay per period.
What is a take-home pay calculator?
A take-home pay calculator estimates how much of your gross paycheck you keep after taxes and deductions — the same job as a paycheck calculator or net pay calculator. This page covers both salary and hourly workers in all 50 states.
How much tax is taken out of my paycheck?
Typical paychecks include federal income tax, state income tax (if your state has one), Social Security (6.2% up to the wage base), and Medicare (1.45%, plus 0.9% on high earners). Your W-4, gross pay, and state determine the exact amounts — use the breakdown above for your inputs.
If I make $1,000 a week, how much taxes are taken out?
With $1,000/week gross in Texas, single filer, and default W-4 assumptions, total withholding is often about $157 per week (~16% effective), leaving roughly $843 net. In a taxing state like California, federal and state withholding are typically higher — run your state in the calculator.
What percentage of my paycheck is withheld for federal tax?
There is no single percentage — federal withholding uses progressive brackets and your W-4. As a rough guide, middle incomes often see 8%–15% of gross go to federal income tax per check, plus 7.65% FICA on most wages. The calculator shows your exact federal line and effective rate.
What is FICA on my paycheck?
FICA is Social Security and Medicare taxes withheld from employees. For 2026, Social Security is 6.2% on wages up to $184,500; Medicare is 1.45% on all wages, with an extra 0.9% on income above $200,000 (single).
How does my W-4 affect my paycheck?
The IRS W-4 (2020 and later) tells your employer how much federal tax to withhold based on filing status, dependents, other income, and deductions. Update your W-4 when you marry, have children, or take a second job. This calculator models those fields as estimates.
How do I fill out a W-4 for my paycheck?
Complete Step 1 (personal info and filing status), Step 2 if you have multiple jobs, Step 3 for dependents, and Step 4 for other income or extra withholding. Give the signed form to payroll — you can change it anytime. See the W-4 steps section above or IRS Form W-4.
How much is $50,000 a year after taxes?
It depends on state and filing status. Example: $50,000/year paid biweekly in Texas, single filer — about $1,624 net per check (~$42,223/year take-home) before pre-tax deductions. California or New York withholding is typically lower net.
How much is $60,000 a year after taxes?
Example: $60,000/year paid semi-monthly in Texas, married filing jointly — about $2,179 net per check (~$52,306/year). Use the calculator with your state and W-4 for a precise estimate.
How much is $75,000 a year per paycheck?
$75,000 annually is $2,884.62 per biweekly check before taxes (26 pay periods). After federal, state, and FICA: about $2,360 net in Texas or $2,239 in California (single, 2026 tables). Enter your details above.
How much is $100,000 a year after taxes?
Example: $100,000/year paid monthly in New York, single — about $6,166 net per month (~$73,986/year) with 2026 federal and NY state withholding. High earners may also see additional Medicare tax.
What is the difference between biweekly and semi-monthly pay?
Biweekly is every two weeks (26 checks/year). Semi-monthly is twice per month (24 checks/year). The same annual salary yields slightly different per-check gross amounts and can change per-check withholding slightly.
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire (wages), South Dakota, Tennessee, Texas, Washington, and Wyoming have no state income tax on wages. The calculator sets state tax to zero for these states.
Does California have a paycheck calculator?
Yes. Select California in the state dropdown above for 2026 CA progressive withholding plus federal tax and FICA. Example: $75,000/year biweekly, single — about $2,239 net per check. Local taxes (e.g. SDI) may differ from your employer’s stub.
Do 401(k) contributions reduce my taxes?
Traditional 401(k) contributions are pre-tax: they lower taxable income for federal (and most state) income tax. HSA and FSA work similarly when funded pre-tax. Roth 401(k) does not reduce current withholding.
Is this the same as a pay stub from my employer?
No. This is an estimate for planning. Your employer’s payroll system uses exact YTD totals, local taxes, benefit elections, and rounding rules. Export a PDF summary for your records, not as an official document.
Can I print a pay stub from this calculator?
Yes. Use Export PDF above for a pay-stub-style summary with gross, taxes, deductions, and net pay. It is not a substitute for your employer’s official stub.
What is the difference between gross pay and net pay?
Gross pay is your total earnings before taxes and deductions. Net pay (take-home pay) is what lands in your bank account after federal tax, state tax, FICA, and any pre- or post-tax deductions.
Does overtime affect my take-home pay?
Yes. In hourly mode, overtime hours increase gross pay, which increases taxes withheld. For OT-first math and a 2026 federal overtime deduction preview, use the overtime calculator.
Is this paycheck calculator accurate?
It uses 2026 federal and state withholding tables for estimates. Results are typically within a few dollars per line of comparable free calculators, but your employer’s payroll system may differ on rounding, YTD caps, and local rules. Always verify with your actual pay stub.