2026 U.S. Net Pay Calculator
Estimate U.S. take-home pay after federal income tax, state/local tax, Social Security, Medicare, 401(k), and health insurance deductions. Because state rules and deductions vary, this calculator includes state presets and still keeps the key rates editable.
Payroll estimates need current inputs
A net-pay calculation is an estimate, not a payroll statement. Withholding, benefits, state or local rules, and an employeeโs tax form can change the result.
Before you rely on this page
- Enter gross pay and pay frequency consistently.
- Compare the estimate with the most recent pay statement.
- Use current IRS guidance and your employerโs payroll information before changing withholding.
Official reference: Internal Revenue Service ยท Life Atlas
U.S. net-pay estimate: what it excludes
U.S. payroll depends on state and local withholding, filing status, benefits, pay frequency, and employer payroll setup. Use this estimate for budgeting, then compare it with the official pay stub and current tax forms.
Action checklist
- Select the correct pay frequency and filing assumption.
- Separate pre-tax benefits from post-tax deductions.
- Check state and local withholding for your work location.
Frequently asked questions
Q. Does this estimate determine my tax return?
A. No. Your withholding and final tax liability are determined by official payroll records and your tax filing.
๊ณต์ ํ์ธ: IRS