Paycheck & Tax Calculator
Estimate your take-home pay for 2026
Tax and payroll data last updated: July 2026. Sources & methodology.
Your Details
Pre-tax Deductions
Percentage of gross pay
Per-paycheck premium
Take-Home Pay
per bi-weekly paycheck
Gross Pay | $5,000.00 |
Federal Tax | −$667.98 |
State Tax | −$215.55 |
FICA | −$382.50 |
401(k) | −$300.00 |
Health Insurance | −$120.00 |
Net Pay | $3,313.97 |
Planning estimate only — not employer exact withholding. Federal tax uses IRS 2026 brackets ↗ and FICA follows the SSA wage base ↗. See Sources & methodology for all citations.
How this is calculated
This calculator annualizes your selected paycheck amount, applies the current 2026 federal income-tax brackets, then adds employee FICA and a state income-tax estimate. Optional 401(k) and health insurance deductions reduce taxable wages before the estimate runs.
The result is a planning estimate, not a substitute for payroll software or IRS Publication 15-T withholding methods. Generic state estimates also exclude local taxes such as New York City or Philadelphia unless a location is modeled separately.
Need the concepts first? Read gross vs net pay or compare schedules in biweekly vs semimonthly pay.
Net pay = gross pay - federal income tax estimate - state income tax estimate - Social Security - Medicare - pre-tax deductions
Related guides
Numbers and assumptions are documented on our Sources & methodology page.