Formula
Annual pay is reduced by pre-tax deductions, estimated federal tax, Social Security up to the wage base, Medicare and the entered state or local planning rate, then divided by pay frequency.
US payroll estimate
US Paycheck Calculator
Estimate take-home pay per paycheck from annual salary, filing status, pre-tax deductions and a state or local planning rate. This is not an employer payroll or IRS withholding result.
Estimated take-home pay
Enter values to calculate Calculation basis date: May 17, 2026. IRS 2026 federal brackets and SSA/IRS FICA rates.Calculation Basis and Official Sources
Calculation basis date: May 17, 2026. Uses simplified 2026 IRS federal brackets and standard deductions plus employee Social Security and Medicare rates.
- IRS - Publication 15, Employer's Tax Guide
- IRS - 2026 federal tax rate schedule and standard deductions
- IRS - Social Security and Medicare withholding rates
- USA.gov - State and local taxes
Use your employer payroll system, IRS withholding tools, state tax agency and a qualified tax professional before making payroll or tax decisions.
Formula and Interpretation
How to read it
Use this for planning a paycheck conversation or comparing offers. It does not include every W-4 item, state credit, local payroll tax, benefit deduction or garnishment.
This calculator and its examples are for general information and rough estimation only. They are not legal, tax, accounting, payroll, lending, mortgage, investment, insurance, medical or other professional advice.
Rates, bands, thresholds, deductions, credits, local rules, employer settings, lender terms, product rules and personal facts can change. We do not guarantee that the calculations are accurate, complete, current or suitable for your situation.
US note: this page is not legal, tax, accounting, payroll, lending, mortgage, employment, insurance or financial advice. Check IRS, SSA, state agencies, your employer, lender, CPA, attorney or qualified adviser before acting.
Before You Rely on the Result
Practical examples
Compare biweekly and monthly pay for an 85,000 USD salary.
Enter 0% state rate for states without broad wage income tax, then add city or local rates manually if needed.
Change pre-tax deductions to see how 401(k), HSA or cafeteria plan assumptions affect take-home pay.
What this includes
- Federal income tax estimate
- Employee Social Security and Medicare
- User-entered state or local planning rate
What this does not include
- Full Form W-4 worksheet details, credits and additional withholding
- Local taxes, paid leave programs, benefits and garnishments
- Employer-specific payroll rules
When to check official sources
Check payroll, IRS, SSA, state tax agencies and a qualified adviser before filing, accepting an offer or changing withholding.