Estimate your net pay per paycheck using 2026 US federal tax brackets, FICA, 401(k), benefits and a state rate you choose.
Quick Answer
Paycheck Calculator lets you: Estimate your net pay per paycheck using 2026 US federal tax brackets, FICA, 401(k), benefits and a state rate you choose. To start, set your annual salary and choose weekly, biweekly, semi-monthly or monthly pay.
Set your annual salary and choose weekly, biweekly, semi-monthly or monthly pay.
Pick single, married filing jointly or head of household, then set your 401(k) percentage, benefits, state tax rate and any post-tax deductions.
See take-home pay per paycheck and per year, a line-by-line table of where your pay goes, and a chart of the split.
Take-home per paycheck
$1,830.33
biweekly
Take-home per year
$47,589
$3,966 per month
Taxes as a share of gross
18.8%
federal 7.7% · top bracket 12%
| Where your pay goes | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,500.00 | $65,000 |
| 401(k) contribution | -$125.00 | -$3,250 |
| Pre-tax benefits | -$75.00 | -$1,950 |
| Federal income tax | -$192.15 | -$4,996 |
| Social Security (6.2%) | -$150.35 | -$3,909 |
| Medicare (1.45%) | -$35.16 | -$914 |
| State & local income tax | -$92.00 | -$2,392 |
| Post-tax deductions | -$0.00 | -$0 |
| Net pay | $1,830.33 | $47,589 |
Estimate using 2026 US federal rules (IRS Rev. Proc. 2025-32): standard deduction, progressive brackets, Social Security up to the $184,500 wage base, Medicare and the 0.9% additional Medicare tax above $200,000. State tax is a flat rate you choose. W-4 credits, other income, local taxes and your employer's exact payroll method are not included — your real paycheck can differ.