See Exactly Where
Your Paycheck Goes
Free salary calculators to see your take-home pay, hourly rate, and pay breakdown. Used by workers across all 50 states.
All Calculators
Hourly to Annual Salary
Convert any hourly wage to an annual salary and see weekly, monthly breakdowns.
Convert now →Salary to Hourly Rate
Break down an annual salary to see your true hourly, daily, and weekly rate.
Calculate →Take-Home Pay
Estimate your net paycheck after federal taxes, FICA, and state income tax.
See my take-home →Overtime Calculator
Calculate overtime pay at 1.5x, 2x, or any custom multiplier.
Calculate OT →Raise Calculator
Find out exactly how much a raise is worth per paycheck, monthly, and annually.
Calculate raise →Salary Comparison
Compare two salaries or job offers side by side with full tax breakdowns.
Compare →By State
Take-home pay calculators for all 50 states with accurate state tax rates.
From the Blog
All posts →$70,000 Salary After Tax: Take-Home Pay in Every State (2026)
A $70,000 salary sounds solid — but take-home pay ranges from $46,000 to $56,000 depending on your state. Here's the full 2026 after-tax breakdown.
7 min readRetirement401(k) Contribution Limits for 2026: Employee, Employer, and Catch-Up
The 2026 401(k) employee contribution limit is $23,500. Here's what that means for your paycheck, how employer matching works, and how to get the most out of your retirement account this year.
6 min readPay BasicsLiving Wage by State 2026: What You Actually Need to Earn
The federal minimum wage is $7.25/hour. The actual living wage for a single adult ranges from $18 to $34/hour depending on your state. Here's the full breakdown by state for 2026.
7 min readHow We Calculate
All calculators use 2026 IRS federal tax brackets, the $15,000 single/$30,000 married standard deduction, 2026 FICA rates (Social Security 6.2% up to $176,100; Medicare 1.45%), and actual state income tax rates sourced from each state's Department of Revenue. Results are estimates — consult a tax professional for filing purposes.
Federal Data
IRS Publication 15-T for 2026 brackets. SSA announcement for $176,100 Social Security wage base.
State Data
Sourced from each state's Department of Revenue. Verified April 2026. All 50 states + D.C.
Editorial Review
Maintained by our tax and compensation team. Updated at the start of each tax year and when rates change.
Understanding Your Paycheck
Most workers know their salary or hourly rate, but far fewer know their actual take-home pay — what actually deposits into their bank account after federal income tax, FICA, and state income tax are withheld. The gap between gross pay and net pay is typically 20–35% depending on your income level and state.
Federal income tax is progressive: the US uses seven tax brackets ranging from 10% to 37%. You don't pay your top bracket rate on all your income — only on the portion that falls within each bracket. Most workers pay an effective rate of 10–20%, significantly below their marginal bracket rate.
FICA taxes (Social Security at 6.2% and Medicare at 1.45%) are flat and apply immediately to your gross wages, before the standard deduction. In 2026, Social Security tax caps at $176,100 of wages.
State income taxes range from 0% (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) to over 9% in California and New York. For workers near state borders or considering relocation, this difference compounds significantly over a career.
Use the calculators above to see your specific numbers — and the WageSplit blog for in-depth guides on salary negotiation, paycheck deductions, overtime rules, and more.