Estimate how much of each paycheck you keep after federal, state and payroll taxes are withheld.
401(k) amounts reduce income-tax wages only. HSA and health FSA amounts are treated as pre-tax cafeteria-plan (Section 125) payroll deductions within the annual limits, so they also reduce Social Security and Medicare wages. After-tax HSA contributions and dependent-care FSAs are not modeled.
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Get in Touch →Take-home pay is the amount you receive after all mandatory deductions — federal income tax, Social Security, Medicare, and state income tax — are withheld from your gross pay. It's also called net pay.
For 2026, employees pay 6.2% for Social Security (on wages up to $184,500), 1.45% for Medicare (plus 0.9% Additional Medicare Tax withheld on wages above $200,000 for every filing status), plus federal income tax at marginal rates from 10% to 37%. State income tax varies from 0% (TX, FL, WA, NV, WY, SD, TN, AK, NH) to over 9% in some states.
Pre-tax deductions like 401(k) and HSA contributions lower your taxable income (HSA and health FSA payroll contributions also lower Social Security and Medicare), effectively increasing your take-home pay compared to receiving the same amount in cash wages.
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Get in Touch →Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. If you live and work in one of these states, your take-home pay will be higher than in states with income taxes.
Contribute more to pre-tax accounts like 401(k), HSA, or FSA — these reduce your taxable income. Review your W-4 to ensure you're not over-withholding. Take advantage of all eligible tax credits when you file your return to reduce your annual tax liability.
This calculator uses simplified assumptions. Your actual paycheck may differ due to W-4 elections, employer-specific benefits, garnishments, state-specific rules, or other local taxes. Use this as a planning guide, not an exact prediction.
Overtime wages are taxed at the same rates as regular wages — there is no special "overtime tax." However, higher pay in a given period increases your annualized income, which may temporarily push withholding into a higher bracket for that period.
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