Which states have no income tax?

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming take nothing from wages. Washington still deducts a Paid Family and Medical Leave premium, and New Hampshire's tax on interest and dividends ended in 2025.

Why is my real paycheck slightly different?

Your employer withholds using the IRS tables and your Form W-4, which approximate the year's tax period by period. This works out the year's tax and divides it, so the two land close but rarely identical. A W-4 with extra withholding, multiple jobs or dependants ticked will move yours further.

Is this gross or net pay?

Enter gross — your pay before anything is taken out. The headline figure is net, what actually reaches your account.

Paycheck Calculator (2026 Take-Home Pay, All 50 States)

Take-home pay after federal, state and payroll taxes.

As of 2026

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Formula

Take-home = gross − pre-tax deductions − federal income tax − Social Security (6.2%) − Medicare (1.45%) − state income tax − state payroll contributions

Pre-tax deductions come off first, then the year's federal tax is worked out on what remains after the standard deduction and divided by your pay periods. Social Security takes 6.2% of pay up to $184,500 and Medicare 1.45% of all of it, with an extra 0.9% on high earnings. Your state's own brackets, deductions and payroll contributions are then applied — nine states take nothing from wages at all.

Worked example

On $60,000 a year paid twice a month, each $2,500 paycheck loses $209.17 to federal income tax, $155.00 to Social Security and $36.25 to Medicare, $68.73 to California and $32.50 to CA SDI. That leaves $1,998.35 to take home, or $47,961 over the year — 79.93% of gross pay.

Where this can give the wrong answer

Choose your state from the dropdown, or open its own page for that state's bracket table and local-tax warnings.
City and county income taxes are not included anywhere. They matter most in New York City, Maryland, Ohio, Pennsylvania, Indiana, Michigan, Missouri and Kentucky — each of those state pages says so.
This works out the year's tax and divides it by your pay periods. Your employer instead uses the IRS withholding tables and whatever is on your Form W-4, so a real payslip is usually within a few dollars of this rather than identical to it.
It assumes the same gross pay every period. Overtime, bonuses and commission are taxed when they are paid — a bonus is often withheld at a flat supplemental rate — so an irregular month will not match.
Social Security stops once you have earned $184,500 in 2026. Above that, later paychecks in the year are larger than the average shown here.
Only pre-tax deductions are modelled. Roth 401(k) contributions, union dues, garnishments and post-tax insurance all come out after tax and are not included.

FAQ

: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming take nothing from wages. Washington still deducts a Paid Family and Medical Leave premium, and New Hampshire's tax on interest and dividends ended in 2025.

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