Paycheck Calculator by State
See your 2026 take-home pay after federal tax, FICA, state income tax, and local tax. Ten state calculators are live, every rate is sourced, and nothing is uploaded.
Estimated annual take-home pay
$61,592
- Biweekly net pay
- $2,368.94
- Effective tax rate
- 17.9%
Showing Texas, $75,000 annual, single, no 401(k). Change any input to recalculate.
This calculator provides an estimate for general informational purposes only. It is not tax, legal, or financial advice, and it is not a substitute for your employer's payroll system or a licensed tax professional. Actual withholding depends on the W-4 you filed, your employer's payroll settings, pre-tax elections, and changes in federal or state law. Tax rules change — verify figures with the IRS and your state tax authority before making decisions. PaycheckClear is not affiliated with the IRS, the Social Security Administration, or any state government.
What this paycheck calculator does
PaycheckClear answers one question for each state: if I earn this salary, what actually lands in my bank account? The calculator starts with gross pay, subtracts the pre-tax deductions you choose, applies the 2026 federal income tax brackets and FICA, then adds state income tax and local tax where they exist. It returns annual, monthly, semi-monthly, biweekly, weekly, and hourly net pay.
The state matters. Nine states do not tax wage income, some states use a single flat rate, and others use graduated brackets with their own standard deduction. A smaller group adds city or county income tax, disability insurance, or paid family leave contributions. Those differences are the reason a salary that feels comfortable in Texas can feel tighter in Illinois or Pennsylvania.
Choose your state
Only states with verified 2026 data and a completed page are listed. Additional states are being added in batches; unlisted states stay offline rather than showing an empty calculator.
South
Northeast
More states are coming in the West and Northeast. If your state is not listed, read the methodology to see how the federal-only estimate works.
How take-home pay is calculated
The calculator follows a fixed order so the result can be audited: annualize gross pay, subtract Section 125 deductions, subtract 401(k) and HSA contributions, apply the federal standard deduction and brackets, calculate Social Security and Medicare, apply state rules, add local tax, then subtract everything from gross pay.
Here is the full flow for a $75,000 single filer in Texas, a state with no income tax on wages:
| Line item | Annual amount |
|---|---|
| Gross pay | $75,000.00 |
| Federal income tax | $7,670.00 |
| Social Security | $4,650.00 |
| Medicare | $1,087.50 |
| Texas state income tax | $0.00 |
| Annual net pay | $61,592.50 |
| Biweekly net pay | $2,368.94 |
Federal taxable wages are $58,900, not $75,000, because the 2026 standard deduction is applied first. Texas adds no state income tax, but federal income tax and FICA still apply.
States with no income tax on wages
Nine states do not tax wage income: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. A paycheck in any of these states still has federal income tax and FICA withheld; only the state income tax line is zero.
- AlaskaComing soon
- FloridaCalculator live
- NevadaComing soon
- New HampshireComing soon
- South DakotaComing soon
- TennesseeComing soon
- TexasCalculator live
- WashingtonComing soon
- WyomingComing soon
Only Florida and Texas calculators are live in this release. The other seven are listed for context, not as links.
Why our numbers differ from other calculators
- Local tax is included where it applies. Ohio municipal tax, Michigan city income tax, and Pennsylvania local earned income tax change the answer, and many calculators omit them.
- State payroll contributions are separate. California SDI, New York PFL, New Jersey TDI/FLI, Washington PFML, and similar programs are not income tax, and they are modeled as separate lines when a state requires them.
- Federal and FICA wage bases are not the same. A 401(k) contribution lowers federal taxable wages but not Social Security and Medicare wages. An HSA contribution lowers both. The breakdown table shows the difference.
- Every rate has a source and a date. The data sources page lists the IRS, SSA, and state revenue department references used for each state, along with any value still being re-checked.
2026 tax year: what changed
- The 2026 federal standard deduction is $16,100 for single filers and $32,200 for married filing jointly, per IRS Rev. Proc. 2025-32.
- The Social Security wage base rises to $184,500. The employee rate stays at 6.2%, and Medicare stays at 1.45% plus the 0.9% Additional Medicare Tax above the threshold.
- North Carolina's flat rate falls to 3.99%, Mississippi moves to 4.00% above $10,000, Georgia moves to 4.99%, Ohio uses 2.75% above $26,050, and West Virginia uses brackets from 2.11% to 4.58%.
- State rules can change mid-year. The verification date at the bottom of each state page shows when its numbers were last checked.
Frequently asked questions
How does the Paycheck Calculator by State work?
Choose a state, enter annual pay or an hourly rate, and pick a filing status. The calculator annualizes gross pay, subtracts pre-tax deductions, applies the 2026 federal brackets and FICA, then adds state and local taxes to show net pay.
Which states are available right now?
Ten states are live for the first release: Illinois, Texas, Florida, Georgia, Ohio, Michigan, Pennsylvania, North Carolina, Mississippi, and West Virginia. More states are being added in batches, and unpublished states stay offline rather than showing a thin page.
Does the calculator send my salary anywhere?
No. Every calculation runs in your browser with JavaScript. There is no account, no upload, no server-side payroll processing, and no salary data stored by PaycheckClear. You can load the page and calculate with the network panel open.
Why is my take-home pay different from another calculator?
Most calculators stop at state income tax. This one also includes local city or county tax where it applies, state disability or paid-leave contributions, and the difference between federal and FICA wage bases. Employer withholding tables can still produce a different number.
Is PaycheckClear free to use?
Yes. Every calculator is free and does not require an email address or account. The site may display advertising and use partner links, which may earn a commission, but those relationships never change the tax numbers shown in the calculator.
Data sources and last update
Federal figures come from IRS Publication 15, IRS Rev. Proc. 2025-32, IRS Form W-4, and the SSA Contribution and Benefit Base. State figures come from each state's revenue department; the data sources page lists every link, verification date, and open review item.
All pages were last updated on . The site is reviewed quarterly and within five business days of any official federal or state rate change.
PaycheckClear is not affiliated with the IRS, the Social Security Administration, or any state government. Results are estimates, not tax advice.