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2026 withholding · one employee, any pay frequency

Payroll Calculator

Run a single paycheck the way payroll software does: gross pay, pre-tax deductions, federal income tax withholding, FICA, state taxes and net pay — for weekly, biweekly, semi-monthly or monthly payroll.

IRS Pub 15-TState withholdingPre-tax deductionsShareable link

Your pay

State

Gross salary per year

$20k$100k$200k$300k$400k

Pay frequency

Federal filing status

Federal W-42020+ form

Step 2: multiple jobs or spouse worksChecked box on Form W-4 Step 2(c). Withholds at roughly double the rate on the same pay.

Step 3: dependents credit

4(a) Other income / yr

4(b) Deductions / yr

4(c) Extra withholding per paycheck

California DE 4Single · 1 allowance

CA filing status

Regular allowances

Estimated deductions

Extra CA withholding per paycheck

Pre-tax deductions401(k), HSA, health insurance

Traditional 401(k)0% · $0.00/check

HSA per paycheck

CA still taxes HSA money.

Medical/dental/vision

Other pre-tax (FSA, dependent care)

After-tax deductionsRoth 401(k), union dues, garnishments

Roth 401(k)0%

Other after-tax per paycheck

Estimated take-home pay

$2,442.14

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

Planning estimate using the inputs shown. Income tax withholding is a prepayment, not your final tax bill or refund. Payroll settings, benefits and year-to-date wages can change your check. Methodology & 2026 sources.

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%

all taxes ÷ gross

Marginal rate

you keep $588 of a $1k raise

41.2%

you keep $588 of a $1k raise

Taxes per year

$1,792 a month

$21,505

$1,792 a month

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 →

California paycheck taxes in 2026

Full California calculator & guide →

California withholds state income tax and SDI on top of federal taxes.

Tax	Rate	Applies to
Federal income tax	10% – 37%	W-4 + IRS Pub 15-T percentage method
Social Security	6.2%	First $184,500 of wages
Medicare	1.45% (+0.9% over $200,000)	All wages
California income tax	1.1% – 14.63% (withholding tables)	EDD Method B, DE 4 allowances
CA SDI	1.3%	All wages, no cap

HSA contributions are taxable for California.
Bonuses: 10.23% flat CA withholding.

What a payroll run calculates

Gross wages for the period (salary ÷ periods, or hours × rate including overtime).
Pre-tax deductions — 401(k), HSA and Section 125 health premiums — which reduce taxable wages.
Federal income tax withholding using the 2026 IRS Publication 15-T percentage method and the employee's Form W-4.
FICA: Social Security 6.2% to the annual wage base and Medicare 1.45% (plus 0.9% Additional Medicare above $200,000).
State and local taxes — income tax, SDI, paid-leave premiums — using each state's own withholding formula.
After-tax deductions and net pay.

Employer costs aren't included

This calculator shows the employee's side of payroll. Employers also pay a matching 7.65% FICA, federal unemployment (FUTA) and state unemployment (SUTA), which don't come out of the paycheck.

Frequently asked questions

How do I calculate payroll for an employee?+

Start with gross pay for the period, subtract pre-tax deductions, then withhold federal income tax (Pub 15-T with the employee's W-4), Social Security and Medicare, and state/local taxes. Subtract after-tax deductions to get net pay.

Is this a payroll service?+

No — it's a free calculator for one paycheck at a time. It doesn't file taxes or pay employees. Results are estimates; your payroll provider may round differently.

Which pay frequencies are supported?+

Weekly (52), biweekly (26), semi-monthly (24) and monthly (12) pay periods.

Does it handle the Social Security wage base?+

Yes. Annual totals stop Social Security at the 2026 wage base, and the calculator tells you which paycheck reaches the cap.