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NetPay Atlas

Updated for 2026 withholding tables

See where every dollar of your paycheck goes.

A paycheck calculator that answers in real time — federal, state and payroll taxes, your 401(k), and what actually lands in your account. Free, private, no sign-up.

90+
official test cases pass
0
data sent to a server
<100 ms
from input to answer

Your pay

$
$20k$100k$200k$300k$400k
Pay frequency
Federal filing status
Federal W-42020+ form
$
$
$
$
California DE 4Single · 1 allowance
$
Pre-tax deductions401(k), HSA, health insurance
Traditional 401(k)0% · $0.00/check
$

CA still taxes HSA money.

$
$
After-tax deductionsRoth 401(k), union dues, garnishments
Roth 401(k)0%
$
Take-home pay
$2,442.14

per paycheck · every 2 weeks · from $3,269.23 gross

Take-home payFederal income taxSocial SecurityMedicareCalifornia income taxCA SDI
75¢
of every dollar you earn reaches your bank
Paycheck breakdown
Gross pay$3,269.23
Federal income tax−$379.62
Social Security−$202.69
Medicare−$47.40
California income tax−$154.88
CA SDI−$42.50
Take-home$2,442.14
Where each $100 goesannual totals
Take-home pay $74.70Federal $11.61Social Security $6.20Medicare $1.45California $4.74CA SDI $1.30
Effective rate
all taxes ÷ gross
25.3%
Marginal rate
you keep $588 of a $1k raise
41.2%
Taxes per year
$1,792 a month
$21,505

What if you got a raise?

+5%

A 5% raise to $89,250 adds $96.13 to each every 2 weeks paycheck — $2,500 a year after tax (59% of the raise).

401(k) tip

Saving 5% ($163.46) only lowers your check by $110.77 — taxes cover the rest.

Same pay in Texas

You'd take home $197.38 more per paycheck ($5,132/yr). Compare →

Paycheck calculators by state

Take-home pay on a $75,000 salary, single filer, 2026.

California paycheck →

Federal + CA income tax, SDI, overtime and DE 4.

Hourly ↔ salary →

Convert any wage both ways, before or after tax.

Bonus tax →

Flat-rate withholding and what you’ll really owe.

Compare offers →

Two jobs or two states, with a break-even salary.

Built to be checked, not just trusted

  • Official tables, line by line. Federal withholding follows IRS Publication 15-T (2026) and California uses the EDD's exact-calculation Method B — the same math payroll software runs.
  • Tested against the source. Every IRS wage-bracket value and every EDD worked example we could find is a regression test that must pass before we publish.
  • Everything you need, nothing you don't. Overtime, double time, W-4 Step 2, DE 4 allowances, 401(k), HSA and the Social Security cap — no account, no ads inside the calculator.
  • Private by design. The math runs in your browser. Your salary is never sent to us.
Read the methodology →
Illustration of a compass with a calculator keypad next to a paycheck

Frequently asked questions

How is take-home pay calculated?+

Start with gross pay, subtract pre-tax deductions such as a traditional 401(k) and health premiums, then subtract federal income tax withholding, Social Security (6.2%), Medicare (1.45%) and any state income or payroll taxes. What's left, after any after-tax deductions, is your net pay.

Which states have no income tax?+

Alaska, Florida, Nevada, New Hampshire (wages), South Dakota, Tennessee, Texas, Washington and Wyoming don't tax wages. Washington does withhold WA Cares and paid-leave premiums.

Why doesn't my paycheck match exactly?+

Payroll systems may round differently, and benefits, year-to-date wages or W-4 settings you didn't enter all change the result. The difference should be a few dollars at most.

Is my data stored?+

No. All calculations happen in your browser. The share link puts your inputs in the URL only if you choose to copy it.