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Updated for 2026 · every state we cover

Take-Home Pay Calculator

Pick your state and see exactly what lands in your bank account — per paycheck, per month and per year — after federal, state and payroll taxes.
State switcherSalary or hourly401(k) & benefitsShareable link

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 →

California paycheck taxes in 2026

Full California calculator & guide →

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

TaxRateApplies to
Federal income tax10% – 37%W-4 + IRS Pub 15-T percentage method
Social Security6.2%First $184,500 of wages
Medicare1.45% (+0.9% over $200,000)All wages
California income tax1.1% – 14.63% (withholding tables)EDD Method B, DE 4 allowances
CA SDI1.3%All wages, no cap
  • HSA contributions are taxable for California.
  • Bonuses: 10.23% flat CA withholding.

Take-home pay by state

Single filer, biweekly pay, no pre-tax deductions, 2026. New York = outside NYC.

State$60,000$100,000$150,000
California$47,805 (20%)$72,319 (28%)$101,165 (33%)
New York$47,424 (21%)$73,842 (26%)$104,810 (30%)
Virginia$47,754 (20%)$74,244 (26%)$105,980 (29%)
Illinois$47,565 (21%)$74,375 (26%)$106,511 (29%)
Washington$49,558 (17%)$77,793 (22%)$111,710 (26%)
Texas$50,390 (16%)$79,180 (21%)$113,791 (24%)
Florida$50,390 (16%)$79,180 (21%)$113,791 (24%)
Nevada$50,390 (16%)$79,180 (21%)$113,791 (24%)

How take-home pay is calculated

  1. Gross pay per paycheck — salary ÷ pay periods, or hourly rate × hours (overtime at 1.5×).
  2. Pre-tax deductions — traditional 401(k), HSA and Section 125 health premiums come out first and lower your taxable wages.
  3. Federal income tax — the IRS Publication 15-T percentage method using your Form W-4.
  4. FICA — Social Security (6.2% up to the yearly wage base) and Medicare (1.45%, plus 0.9% above $200,000).
  5. State and local taxes — from nothing in Texas or Florida to income tax plus disability and paid-leave premiums in California or New York City.
  6. After-tax deductions — Roth 401(k), union dues and similar. What remains is your take-home pay.

Want to go deeper? Each state page explains its own forms and quirks: California, New York, Florida, Virginia, Illinois, Washington and Texas. Paid by the hour? Try the hourly to salary calculator.

Frequently asked questions

What is take-home pay?+

Take-home pay (net pay) is what's left of your gross pay after taxes and deductions: federal income tax, Social Security, Medicare, any state and local taxes, plus pre-tax benefits such as a 401(k) or health insurance and any after-tax deductions.

How do I calculate my take-home pay?+

Choose your state, enter your annual salary or hourly wage and pay frequency, then add your W-4 details and benefits. The calculator applies the 2026 IRS withholding tables and your state's rules and shows net pay per paycheck, per month and per year.

How much is $100,000 after taxes?+

It depends on the state. For a single filer in 2026, $100,000 becomes about $79,180 in Texas but about $72,319 in California.

Why is my take-home pay lower than my salary divided by 26?+

Each paycheck is reduced by federal income tax withholding, 7.65% FICA (Social Security and Medicare) and state taxes, plus your benefit deductions. Together these usually take 20–35% of gross pay.

Can I share my result?+

Yes. The page URL updates as you type — including the state — so copying it (or using “Copy share link”) reopens exactly the same calculation.