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AllCalcHub

Paycheck Calculator

Estimate your US paycheck after federal and state income tax, Social Security, Medicare and pre-tax deductions for 2026.

About the Paycheck Calculator

Each paycheck has federal income tax withheld (based on your W-4), 6.2% Social Security up to the $184,500 wage base, 1.45% Medicare and state income tax in most states. 401(k) contributions reduce income tax but not FICA; pre-tax health premiums reduce both.

The formula

Net pay = gross − pre-tax deductions − federal tax − FICA − state tax

Worked example

Example: Take-home per paycheck = $2,411.10

  1. Inputs: Yearly salary: $83,000; Paid: Every two weeks; Filing status: Single; State: Texas; 401(k) contribution: 7 % of pay; Pre-tax health premiums per paycheck: $0.
  2. Formula: Net pay = gross − pre-tax deductions − federal tax − FICA − state tax
  3. Result: Take-home per paycheck = $2,411.10

Things to keep in mind

  • Estimates the year's tax spread evenly; actual withholding follows IRS Publication 15-T and your W-4. Local taxes and credits aren't included.

Questions people ask

Why is my first paycheck different?

Partial periods and one-time deductions often apply.

How do I change withholding?

Submit a new Form W-4 to your employer.

Sources