2026 Paycheck Calculator — Real Take-Home Pay After Tax
The only free US paycheck calculator that applies the new No Tax on Overtime ($12,500) and No Tax on Tips ($25,000) deductions automatically. See your exact net pay today.
Free 2026 paycheck calculator showing your exact take-home pay after federal income tax, FICA, state tax, and new OBBBA deductions — including the $12,500 overtime exemption and $25,000 tips exemption. Updated for all 2026 IRS brackets and all 50 states.
2026 US Take-Home Pay Calculator
Federal income tax, FICA, OBBBA deductions, and optional state tax
Estimate only. Excludes 401(k) contributions, health insurance premiums, Child Tax Credit, and other itemized deductions. Consult a CPA for official tax filings.
2026 Key Tax Figures IRS Official
What is the OBBBA?
The One Big Beautiful Bill Act (OBBBA), signed in 2025, introduced new tax-free deductions effective for the 2026 tax year:
- First $12,500 in overtime wages is federally tax-free
- First $25,000 in tips is federally tax-free
- Phase-out begins at $150k income (single) / $300k (married)
- SALT cap raised to $40,400
State Paycheck Calculators
How the 2026 US Take-Home Pay Calculator Works
Our calculator simulates the exact withholding calculations your employer uses — applying 2026 federal income tax brackets, FICA taxes, OBBBA deductions, and your state’s rate to show your real net paycheck.
Step 1: Gross Income
Enter your annual salary. The calculator handles all pay frequencies — weekly, bi-weekly, semi-monthly, and monthly.
Step 2: OBBBA Deductions
The 2026 OBBBA exempts $12,500 in overtime and $25,000 in tips from federal income tax. Enter yours to see your exact savings.
Step 3: Federal Tax Brackets
We apply the 2026 marginal brackets (10%–37%) to your taxable income after the standard deduction and OBBBA deductions. Your filing status determines thresholds.
Step 4: FICA & State Tax
Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%) are applied next, then your state’s rate for your final take-home figure.
Frequently Asked Questions
Common questions about the 2026 tax changes and how to use this calculator.
Under the One Big Beautiful Bill Act (OBBBA), the first $12,500 of overtime wages you earn in a tax year is excluded from your federal taxable income. Social Security and Medicare still apply. The deduction phases out for incomes above $150,000 (single) or $300,000 (married filing jointly).
The 2026 OBBBA allows you to deduct up to $25,000 in qualified tips from your federal taxable income. This applies to hospitality, food service, hair care, and other tip-based industries. Tips are still subject to FICA taxes, and the deduction phases out at the same income thresholds as the overtime exclusion.
For 2026: $16,100 for single filers; $32,200 for married filing jointly; $24,150 for head of household. These are subtracted from gross income before brackets are applied. Taxpayers 65+ also receive an additional $6,000 senior deduction under the OBBBA.
Yes. Select your state from the dropdown to include an estimated state income tax. States with no income tax (Texas, Florida, Washington, Nevada, etc.) are listed. For precise state results, use our dedicated state calculators which apply each state’s exact 2026 brackets.
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.