Take-Home Pay Calculator

Take-home pay calculator (2026)

Enter your pay and W-4 details to estimate each paycheck after federal, state and payroll taxes. Every number is explained, so you can match it to your pay stub.

More W-4 and deduction options
Estimated take-home per paycheck
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Paycheck calculators by state

More states are being added. For a state not listed, the federal, Social Security and Medicare lines still apply; only the state line differs.

Other calculators

Why your estimate and your pay stub differ

Most gaps come from four things: pre-tax benefits your employer deducts (health insurance, HSA, 401(k)); W-4 settings such as the Step 2 box for two jobs; local taxes; and overtime or bonus pay in that check. Withholding is also not your final tax bill. It's a prepayment that gets reconciled when you file.