Paycheck Calculator
Estimate your take-home pay after taxes and deductions
Use our free paycheck calculator to estimate your take-home pay before your next payday or job change. The calculator considers federal withholding, Social Security, Medicare, and common pre-tax deductions such as 401(k) contributions and health insurance premiums.
Enter your pay information, choose a filing status, and compare state scenarios to see how withholding affects your net pay. The result is a budgeting estimate, so you should still compare it against your actual pay stub and employer payroll settings.
Select Your State
Alabama
2% - 5%Progressive tax system with lower rates
Alaska
0%No state income tax
Arizona
2.59% - 4.5%Low state income tax rates
Arkansas
2% - 5.5%Moderate progressive tax system
California
1% - 13.3%Highest marginal tax rate
Colorado
4.4%Flat state income tax rate
Connecticut
3% - 6.99%Progressive tax with higher rates for top earners
Delaware
2.2% - 6.6%Moderate progressive tax system
Florida
0%No state income tax
Georgia
1% - 5.75%Progressive tax with multiple brackets
Hawaii
1.4% - 11%One of the highest top marginal tax rates
Idaho
1% - 6%Progressive tax with moderate rates
Illinois
4.95%Flat state income tax rate
Indiana
3.15%Flat state income tax rate
Iowa
0.33% - 8.53%Progressive tax with high top marginal rates
Kansas
3.1% - 5.7%Moderate progressive tax system
Kentucky
5%Flat state income tax rate
Louisiana
1.85% - 4.25%Moderate progressive tax system
Maine
5.8% - 7.15%Progressive tax with moderate rates
Maryland
2% - 5.75%Progressive tax with county-level surtaxes
Massachusetts
5%Flat state income tax rate
Michigan
4.25%Flat state income tax rate
Minnesota
5.35% - 9.85%Progressive tax with relatively high rates
Mississippi
0% - 5%Progressive tax with lower rates
Missouri
0.5% - 5.4%Progressive tax with moderate rates
Montana
1% - 6.75%Progressive tax with moderate to high rates
Nebraska
2.46% - 6.64%Progressive tax with moderate top rates
Nevada
0%No state income tax
New Hampshire
0% (wages), 5% (dividends & interest)No tax on wages, limited tax on investment income
New Jersey
1.4% - 10.75%Progressive tax with high top marginal rates
New Mexico
1.7% - 5.9%Progressive tax with moderate rates
New York
4% - 10.9%Progressive tax system
North Carolina
4.75%Flat state income tax rate
North Dakota
1.1% - 2.9%One of the lowest state tax rates
Ohio
0% - 3.99%Progressive tax with relatively low top rates
Oklahoma
0.25% - 4.75%Progressive tax with moderate rates
Oregon
4.75% - 9.9%High progressive tax with no sales tax
Pennsylvania
3.07%Flat state income tax rate
Rhode Island
3.75% - 5.99%Progressive tax with moderate rates
South Carolina
0% - 7%Progressive tax with high top rates
South Dakota
0%No state income tax
Tennessee
0%No state income tax
Texas
0%No state income tax
Utah
4.85%Flat state income tax rate
Vermont
3.35% - 8.75%High progressive tax rates
Virginia
2% - 5.75%Progressive tax with moderate top rates
Washington
0%No state income tax
West Virginia
3% - 6.5%Progressive tax with moderate rates
Wisconsin
3.54% - 7.65%Progressive tax with moderate to high rates
Wyoming
0%No state income tax
District of Columbia
4% - 10.75%Progressive tax with high top rates
How this paycheck calculator helps you plan ahead
Use this calculator to estimate federal withholding, FICA taxes, common pre-tax deductions, and the impact of your state tax profile before you build a monthly budget or compare job offers.
Every result is an estimate, not payroll advice. Your final paycheck can change based on local taxes, benefit elections, supplemental wages, and how your employer applies withholding tables.
Paycheck calculators for every state
Compare withholding rules, local payroll taxes, and take-home pay estimates for every U.S. state from one hub.
Understanding Your Paycheck
Gross Pay vs. Net Pay
Gross pay is your total earnings before any deductions are taken out.
Net pay (take-home pay) is what you actually receive after all taxes and deductions.
Taxes
- Federal income tax - Based on your income and filing status
- State income tax - Varies by state
- FICA taxes - Social Security (6.2%) and Medicare (1.45%)
- Local taxes - May apply in some cities or counties
Pre-tax Deductions
These reduce your taxable income:
- 401(k)/403(b) contributions
- Health insurance premiums
- HSA/FSA contributions
- Commuter benefits
How to Increase Your Take-Home Pay
Adjust Your W-4
Review and update your W-4 form to ensure you're not having too much withheld. Be careful not to underwithhold, which could result in a tax bill.
Increase Pre-tax Contributions
Contributing more to your 401(k), HSA, or FSA reduces your taxable income, potentially lowering your tax burden.
Take Advantage of Tax Credits
Research tax credits you may qualify for, such as the Child Tax Credit, Earned Income Tax Credit, or education credits.
Consider Tax-Advantaged Benefits
Utilize employer benefits like dependent care FSAs, commuter benefits, or health insurance to reduce your taxable income.
Before you rely on a paycheck estimate
What the calculator includes
Federal withholding, Social Security, Medicare, and the core state income tax profile are included in the estimate so you can compare paycheck scenarios quickly.
What may still change your result
Employer benefit deductions, local payroll taxes, bonuses, overtime, and special wage withholding methods can shift the final amount on your actual pay stub.
Methodology and sources
We use standard payroll concepts for federal withholding, FICA taxes, and pre-tax deductions to estimate take-home pay. This page is for planning and budgeting, not tax filing advice.
Review date: March 28, 2026. Recheck tax settings whenever payroll rules, withholding forms, or benefit elections change.
Disclaimer
This paycheck calculator is provided for informational and estimation purposes only. While we strive to keep our calculations accurate and up-to-date, laws and regulations change frequently, and individual situations can vary significantly. The results should not be considered as financial or tax advice.
NexusCalc does not guarantee the accuracy of calculations and is not responsible for any errors or omissions. Rates and rules may have changed since our last update. Please consult with a qualified professional before making financial decisions based on these calculations.
By using this paycheck calculator, you acknowledge that you are using the information at your own risk and that NexusCalc shall not be liable for any damages or losses resulting from your reliance on the information provided.
Last updated: April 2026