Paycheck Calculator 2026

Federal income tax (2026 brackets), FICA (6.2% Social Security up to the $184,500 wage base, plus 1.45% Medicare with an additional 0.9% on wages over $200,000), and state income tax where available. It does not include local city/county/school-district taxes except for Maryland's mandatory county tax and New York City's resident income tax, both included as optional add-ons.

Yes — if you select New York and check "I live in New York City," the calculator adds NYC's resident income tax (a graduated 3.078%-3.876% tax on top of NY state tax) on the same taxable income base. This only applies to NYC residents — it doesn't apply if you work in NYC but live elsewhere in New York.

We've built exact tax-bracket calculations for California, New York, Maryland (including county tax), Montana, New Mexico, Vermont, Virginia, New Jersey, Minnesota, Oregon, Hawaii, South Carolina, Connecticut, Missouri, Maine, Kansas, Alabama, Rhode Island, West Virginia, and Washington DC, plus flat-rate calculations for 16 flat-tax states (including Iowa's new 2026 flat 3.8% rate). States without an income tax (Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, Wyoming, New Hampshire) show $0 state tax. For states not yet listed above, this calculator currently shows federal and FICA taxes only — we're adding full state bracket support for the remaining states.

Yes — enter a 401(k) contribution percentage and any other pre-tax deductions (health insurance, HSA/FSA). The 401(k) amount reduces your federal and state taxable income but not your FICA wages (401(k) contributions are still subject to Social Security and Medicare tax, per IRS rules). Other pre-tax deductions entered here are treated as cafeteria-plan (Section 125) benefits, which reduce federal, state, AND FICA taxable wages.

Not exactly. Employers use IRS withholding tables (which factor in your W-4 elections) to withhold an estimate throughout the year — this calculator estimates your actual annual tax liability based on the standard deduction only, assuming no additional withholding adjustments, dependents, or itemized deductions.

An extra 0.9% Medicare tax applies to wages over $200,000 (regardless of filing status, at the employer-withholding level) — this is on top of the standard 1.45% Medicare tax, which has no wage cap.