Calculate your take-home pay after federal and state taxes, Social Security, Medicare, and deductions.
Texas has no state income tax!
For tipped workers
Net income after federal, state, and FICA taxes
Hourly
$15.45
Weekly
$618
Bi-Weekly
$1,236
Monthly
$2,677
Annual
$32,126
How your paycheck breaks down each pay period
See exactly how your income is taxed at each level
Gross Income
$37,440
Standard Deduction
-$15,000
Pre-Tax Deductions
-$0
Taxable Income
$22,440
Federal Income Tax
$2,450FICA Taxes (Social Security & Medicare)
$2,864Social Security
6.2% of wages
$2,321
Wage base limit: $184,500
Medicare
1.45% of all wages
$543
No income limit
Effective Rate
14.2%
Marginal Rate
12.0%
Annual Taxes
$5,314
Daily Tax
$15
Smart Tax Optimization Tips
Total Potential Annual Savings
$1,086/year
$786 from high priority actions
Open a Health Savings Account (HSA)
If you have a high-deductible health plan, maxing out your HSA at $4,300 could save $516 in taxes—triple tax advantage!
Potential savings: $516/year
Start a 401(k) Contribution
Contributing just 6% of your income to a 401(k) could save you $270 in taxes this year while building retirement savings.
Potential savings: $270/year
Consider Roth Contributions
At your 12.0% marginal rate, Roth contributions may be better than traditional. You pay tax now at a low rate and withdrawals are tax-free in retirement.
Student Loan Interest Deduction
If you're paying student loans, you can deduct up to $2,500 in interest even if you don't itemize, potentially saving $300.
Potential savings: $300/year
Pro Tip
Focus on high-priority items first. Even small changes to retirement contributions can save hundreds in taxes while building your future wealth.
See how changes affect your take-home pay
Work 5 extra hours/week
Work 10 extra hours/week
Get a small hourly raise
Get a significant raise
Estimate Only
This calculator provides estimates based on 2026 federal tax brackets and state rates. Actual take-home pay depends on your W-4, pre-tax deductions, and other factors.
Last updated: 2026-02-01
Get state-specific calculations with local tax rates and minimum wage info
Pre-filled with typical pay rates for your job type
Enter your gross pay (hourly or annual), state of work, and filing status. The calculator applies the current year's federal income tax brackets, FICA (Social Security + Medicare), and state withholding to return a per-paycheck net number. Pre-tax deductions (401k, HSA, health insurance premiums) reduce taxable income; post-tax deductions come off the net.
Federal income tax, FICA (Social Security 6.2% + Medicare 1.45%), state income tax for every US state (including the no-income-tax states: TX, FL, NV, WA, WY, SD, AK, TN, NH for wages), Additional Medicare Tax for high earners, and the standard deduction. Local income taxes (NYC, Philadelphia) are flagged separately so you can subtract them when applicable.
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Before accepting a job offer in a different state, when negotiating an hourly rate, when changing filing status after a life event, or when comparing W-2 vs 1099 take-home for the same gross. The state-by-state pages drill into each state's withholding rules and per-paycheck math.
Yes — federal brackets and FICA rates update with each tax year and state-level tables refresh whenever the state publishes new withholding guides. The calculator flags any state currently lagging behind its official publication so you know the result is provisional.
Yes — switch to hourly mode and enter your base rate, regular hours per week, and overtime hours. The calculator applies time-and-a-half above 40 hours per FLSA, then withholds at the same federal/state rates as regular pay.
Three common reasons: (1) your W-4 has extra withholding or additional dependents claimed; (2) you have employer-specific pre-tax deductions (HSA matching, commuter benefits) not in the default inputs; (3) your state has a local income tax (NYC, Philadelphia, Detroit) that needs to be added manually.
Yes — open the calculator in two tabs, enter each offer's pay and state, and compare the bottom-line net side-by-side. Account for cost-of-living differences by also running the Cost-of-Living calculator for the two cities.
No — every input lives only in your browser session. Reload the page and you start fresh. We don't ship analytics that capture your pay data.
Yes — both reduce your federally taxable income before withholding is computed. Enter your contribution per paycheck (or annual amount) in the deductions panel; the calculator subtracts it before applying federal + state tax.
Understand what I actually take home from a shift, gig, or week of work.
