Paycheck Calculator 2026

Hourly & salary paycheck calculator. See exact 2026 taxes, overtime & take-home.

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About US Paycheck Calculator 2026

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Key Features

"What If" Salary Simulator

Visually simulate how working extra overtime hours, getting a pay raise, or tweaking your 401k contributions will actually impact your final take-home pay.

50-State Tax Accuracy

Powered by the latest IRS and state tax brackets. We automatically calculate Federal, State, and FICA withholdings so you don't have to do the math.

Detailed Pay Breakdowns

Easily input custom pre-tax and post-tax deductions like Health Insurance and HSA. View beautiful, easy-to-read pie charts showing exactly where your money goes.

What's New

Job Offer Comparison: Save and compare up to 4 job offers side-by-side to see which pays more after taxes.
Bonus & Extra Pay Calculator: Calculate exact net pay on annual bonuses, commissions, and RSUs (flat 22% rate).
Raise Impact Simulator: See the exact "Real Story" net pay increase from any annual salary raise or promotion.
Pre-Tax Deductions: Factor in Traditional 401(k), Roth, HSA, FSA, and health insurance premiums.
City & Local Taxes: Built-in 2026 local tax rates for NYC, Philadelphia, Detroit, Columbus, and 15+ major cities.
Tax Efficiency Visuals: Interactive donut charts and annual monthly projections to track your total net wealth.
Smart Tax Tips: Personalized recommendations to legally maximize your take-home paycheck.

Frequently Asked Questions

No. US income taxes are progressive. Working overtime only causes the extra money earned above the tax bracket threshold to be taxed at the higher rate—not your entire base salary. You will always take home more money by working overtime. You can use our Overtime & What-If Simulator to calculate the exact time-and-a-half take-home pay on your extra shifts.

The IRS classifies bonuses, commissions, severance, and RSU stock vesting as "supplemental wages." Employers generally use the IRS statutory flat rate of 22% for federal tax withholding on supplemental pay under $1 million, regardless of your standard tax bracket. Our Bonus Calculator computes your exact net bonus after applying the 22% federal rate, state taxes, and FICA.

You will not keep the full $10,000. Higher earnings trigger higher marginal federal and state tax brackets, plus 7.65% in Social Security and Medicare (FICA). Depending on your state, workers typically keep between 60% and 72% of a raise. Use our Raise Impact Simulator to see the exact "Real Story" breakdown of how much extra net pay hits your bank account per paycheck.

Contributions to Traditional 401(k)s, Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and health insurance premiums are subtracted from your gross pay BEFORE federal and state income taxes are calculated. This lowers your taxable income, saving you money on every paycheck. Enter your exact pre-tax benefits into our calculator to see your instant tax savings.

Yes. Generic calculators only compute federal and state taxes, underestimating tax liabilities for city residents. Our engine includes 2026 local tax tables for major US cities, including New York City resident tax, Yonkers surcharges, Philadelphia wage tax, Detroit city tax, and local Ohio taxes, giving you 100% accurate net pay.

Comparing gross salaries is misleading because state income taxes (ranging from 0% in Texas or Florida to high rates in California or New York) and local benefits change your actual net income. Our Job Comparison tool allows you to save up to 4 job offers side-by-side, account for different state taxes and health premiums, and see which job actually yields the highest annual take-home pay.

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