Take-Home Pay Calculator
Estimate your net paycheck after federal income tax, FICA, and state income taxes. Uses 2026 brackets.
Last updated: April 2026
2026 Federal Brackets
Single filer. Standard deduction: $15,000.
How Take-Home Pay Is Calculated
Your take-home pay (net pay) is your gross wages minus all mandatory withholdings. The process works in this order: federal income tax is calculated on your taxable income (gross wages minus the standard deduction); FICA taxes are calculated on gross wages with no deduction applied; state income tax is calculated based on your state's rules. What remains is your net paycheck.
For a single filer earning $65,000/year in a state with 5% income tax, the breakdown looks roughly like this: $65,000 gross, minus $15,000 standard deduction = $50,000 taxable income. Federal tax on $50,000 is about $5,460. FICA on $65,000 is $4,973. State tax at 5% on $65,000 is $3,250. Total withholdings: ~$13,683. Take-home: ~$51,317/year, or about $1,974 per biweekly paycheck.
What Gets Deducted From Your Paycheck
Federal Income Tax
Calculated using 2026 progressive brackets after your standard deduction. Your effective rate is almost always lower than your marginal (top) rate.
FICA Taxes
Social Security (6.2%) on wages up to $176,100 and Medicare (1.45%) on all wages. High earners also owe 0.9% additional Medicare on wages over $200k.
State Income Tax
Ranges from 0% in Texas and Florida to 9.9% in Oregon. Nine states have no income tax on wages. We apply a simplified flat rate for estimation.