Updated August 2026 · OBBBA compliant

The paycheck calculator built for 2026 America

Instantly calculate your real take-home pay with 2026 IRS brackets, FICA, the new no-tax on overtime rule, tax-free tips, and accurate state taxes for all 50 states.

3.1M+ Calculations
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50 states Covered

Your 2026 Income

Results update live as you type

$
Total yearly salary before any deductions
Percent of gross (0-100)
New in 2026: OBBBA excludes first $12,500 of overtime & $25,000 of tips from federal tax.
$
Up to $12,500 excluded from federal tax
$
Up to $25,000 excluded from federal tax
Why this calculator

Purpose-built for the 2026 tax year

We don’t just crunch numbers — we help you understand every dollar that leaves your paycheck, including the major changes from the One Big Beautiful Bill Act.

Real 2026 IRS brackets

Our engine uses the actual marginal brackets (10%–37%) published by the IRS for the 2026 tax year, with correct thresholds by filing status.

OBBBA overtime & tips

First $12,500 of overtime and $25,000 of tips are excluded from federal income tax. We calculate the exact savings for your specific income.

All 50 states supported

Accurate state income tax estimates for every state plus DC — including flat tax states like Ohio’s new 2.75% and no-tax states like Texas and Florida.

Wage base caps

Social Security stops at the $184,500 wage base. Additional Medicare (0.9%) kicks in at $200k single / $250k joint. We handle both correctly.

401(k) pre-tax savings

Enter your contribution % and see exactly how much your pre-tax 401(k) reduces your current tax bill and increases your take-home.

Paycheck calendar

See your next several paychecks with actual dates based on your pay frequency — perfect for budgeting and planning ahead.

Compare states

Same salary. Different states. Very different take-home.

See how the same $85,000 salary plays out across America’s biggest states.

🌴 California 🤠 Texas 🌊 Florida 🗽 New York 🏙️ Illinois 🌰 Ohio 🍑 Georgia 🏛️ Virginia 🗻 Pennsylvania All 50 states →
FAQ

Common questions about 2026 taxes

Everything you need to know about this year’s changes.

Under the One Big Beautiful Bill Act (OBBBA), the first $12,500 of overtime pay is excluded from federal income tax in 2026. Social Security and Medicare taxes still apply to overtime wages. The deduction phases out for taxpayers with incomes above $150,000 (single) or $300,000 (married filing jointly).
Up to $25,000 in qualified tips is excluded from federal income tax in 2026 under the OBBBA. This applies to hospitality, food service, hair care, and other tip-based industries. Tips remain subject to FICA taxes (Social Security and Medicare).
For tax year 2026, the standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. These amounts are subtracted from gross income before federal tax brackets are applied.
The 2026 Social Security taxable wage base is $184,500. You pay 6.2% on wages up to this amount — maximum SS tax is $11,439. Wages above $184,500 are not subject to Social Security tax, though all wages remain subject to the 1.45% Medicare tax with no cap.
Yes — select your state from the dropdown for an estimated state income tax using average effective rates. For precise results based on your exact brackets and local taxes, use our dedicated state calculators for California, New York, Illinois, Georgia, Virginia, Pennsylvania, and all 50 states.

Disclaimer: Estimates only. Not tax advice. Consult a CPA or IRS.gov for official guidance. Sources: IRS Revenue Procedure 2025-XX, One Big Beautiful Bill Act (OBBBA) 2026 provisions.

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