US Payroll & Income Tax
US Paycheck Calculator 2026 (Federal Tax, FICA & Take-Home Pay)
Convert a gross salary or hourly rate into an estimated net paycheck. The calculator separates federal income tax, Social Security, Medicare and optional pre-tax deductions so you can see why your take-home pay is lower than your offer letter.
Official Standards & Rule Matrix
Pay frequenciesHourly, weekly, biweekly, semi-monthly or monthly
Filing statusSingle, married filing jointly, married filing separately or head of household
DeductionsTraditional 401(k), health premiums and other pre-tax amounts
PrivacyNumbers stay in your browser; nothing is uploaded
How to use this tool
- Choose your pay frequency and enter the gross amount for one pay period.
- Select your filing status and the number of dependents or allowances the calculator asks for.
- Add pre-tax deductions such as a traditional 401(k) percentage or a fixed health-premium amount.
- Review estimated federal tax, FICA and net pay; open the full tool for state and local options.
Computed completely in your browser. No personal data or numbers are transmitted over the network.
Frequently Asked Questions
- Does this include state income tax?
- The core estimate focuses on federal income tax and FICA. State and local taxes vary widely, so use the full calculator or your state withholding tables for a closer number.
- Why is my actual paycheck different?
- Employers can add or remove pre-tax benefits, use different withholding elections, and apply state/local taxes. Treat this as an estimate, not a payroll guarantee.
- Is my salary uploaded?
- No. The calculation runs in your browser. ToolsKo does not store your salary, filing status or deductions.
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