Paycheck Calculator: Take Home

Paycheck Calc shows how much of your pay you actually take home. Enter your salary or hourly wage, how often you are paid and your W-4 details, and it estimates federal income tax withholding with the IRS 2026 percentage method tables, Social Security, Medicare, state and local tax, your 401(k) and pre-tax benefits.

PAYCHECK CALCULATOR
• Take-home pay per paycheck and per year, line by line
• Salary or hourly pay, with overtime at time and a half
• Weekly, biweekly, semimonthly or monthly paychecks
• 2026 federal withholding based on IRS Publication 15-T (Form W-4 2020 or later)
• Filing status, two-jobs box, dependent credits, other income, deductions and extra withholding
• Social Security with the 2026 wage base of $184,500, Medicare and the 0.9% surtax
• Traditional 401(k)/403(b), pre-tax health, FSA and HSA, after-tax deductions
• State and local income tax; no-income-tax states handled automatically

OVERTIME CALCULATOR
• Time and a half and double time for any week
• Overtime earned per year
• The 2026 qualified overtime premium you can deduct

BONUS TAX CALCULATOR
• Flat 22% supplemental rate or the aggregate method
• Social Security cap and Medicare surtax
• Gross-up: the bonus needed for a take-home amount

ALSO INCLUDED
• Raise calculator, hourly to salary calculator and retirement savings calculator

WHY PAYCHECK CALC
• Every calculator explains the formula with worked examples and common mistakes
• Calculations run on your phone; your numbers are never uploaded
• No account and no sign-up

NOT A GOVERNMENT APP
Paycheck Calc is an independent app. It is not affiliated with, endorsed by or acting for the IRS, the Social Security Administration, the U.S. Department of Labor or any other government agency.

OFFICIAL SOURCES
• IRS Publication 15-T, Federal Income Tax Withholding Methods: https://www.irs.gov/publications/p15t
• IRS Publication 15 (Circular E), Employer's Tax Guide: https://www.irs.gov/publications/p15
• IRS Topic 560, Additional Medicare Tax: https://www.irs.gov/taxtopics/tc560
• Social Security wage base: https://www.ssa.gov/oact/cola/cbb.html
• U.S. Department of Labor, overtime pay: https://www.dol.gov/agencies/whd/overtime

Results are estimates for planning, not tax advice. Your employer's payroll system, benefits and state withholding rules decide the exact amount on your pay stub.