Complete 2026 Paycheck Calculator Guide
Every federal, state, and specialty calculator — updated for OBBBA 2026 overtime and tip exclusions, 2026 FICA caps, and mid-year bracket adjustments.
Core Paycheck Calculators
The most-used calculators on the site — federal withholding, FICA breakdowns, and pay-period converters. All updated for 2026.
2026 Paycheck Calculator (National)
Enter your wage and filing status for a full federal + FICA breakdown. Includes OBBBA overtime toggle.
Most PopularFederal Income Tax Calculator 2026
Bracket-by-bracket federal tax breakdown using IRS Rev. Proc. 2026 tables.
FederalBiweekly Paycheck Calculator 2026
26 pay periods — exact per-paycheck federal and FICA withholding. Most workers are paid biweekly.
BiweeklyWeekly Paycheck Calculator 2026
52 pay periods with correct FICA per-paycheck application and federal bracket math.
WeeklyMonthly Salary Calculator 2026
12 pay periods — includes OBBBA standard deduction increase impact per month.
MonthlyTake Home Pay Explained
What gets withheld, why, and how OBBBA changes your net check — plain English guide.
GuideHourly Wage After-Tax Calculators
See your exact biweekly take-home at every common hourly rate — with federal, FICA, and state options.
$15/hr After Tax 2026
Full biweekly, weekly, and monthly breakdown for $15/hour workers.
$15/hr$16/hr After Tax 2026
Biweekly net pay for $16/hour with federal and FICA applied correctly.
$16/hr$17/hr After Tax 2026
Take-home pay breakdown for $17/hour — weekly through annual.
$17/hr$18/hr After Tax 2026
Full FICA + federal breakdown for $18/hr. Top query: "$18/hr biweekly after taxes."
Trending$20/hr After Tax 2026
Complete biweekly paycheck breakdown for $20 hourly workers.
$20/hr$22/hr After Tax 2026
Net pay for $22/hour with all 2026 federal and FICA deductions applied.
$22/hr$25/hr After Tax 2026
Our #1 ranked page — full biweekly breakdown with OBBBA overtime impact.
#1 Page$28/hr After Tax 2026
Biweekly take-home for $28 hourly with all deductions.
$28/hr$30/hr After Tax 2026
Full paycheck breakdown for $30/hour workers in 2026.
$30/hr$35/hr After Tax 2026
Net pay breakdown for $35/hour including federal bracket math.
$35/hrAnnual Salary After-Tax Calculators
Enter your salary and see exactly how much you keep — broken down by pay period with 2026 brackets.
$30,000 Salary After Tax
Full federal + FICA breakdown for $30K annual salary workers.
$30K$35,000 Salary After Tax
Biweekly take-home for $35,000 salary in 2026.
$35K$40,000 Salary After Tax
Complete paycheck breakdown for $40K annual salary.
$40K$45,000 Salary After Tax
Net pay for $45,000 salary with 2026 IRS bracket math.
$45K$50,000 Salary After Tax
Most searched salary level — full biweekly breakdown for $50K workers.
Popular$55,000 Salary After Tax
Take-home for $55K with all 2026 federal deductions applied.
$55K$60,000 Salary After Tax
Biweekly, monthly, and annual breakdown for $60,000 salary.
$60K$65,000 Salary After Tax
Net pay breakdown for $65K with 2026 bracket adjustments.
$65K$70,000 Salary After Tax
Full take-home for $70,000 annual salary in 2026.
$70K$75,000 Salary After Tax
Biweekly breakdown for $75K — moving into higher federal brackets.
$75K$80,000 Salary After Tax
Complete paycheck analysis for $80,000 salary workers.
$80K$90,000 Salary After Tax
Net pay for $90K — OBBBA standard deduction impact at this level.
$90K$100,000 Salary After Tax
Full $100K take-home breakdown — six-figure federal tax bracket math.
$100KState-Specific Paycheck Calculators
State income tax rates vary from 0% to 13.3%. Your state calculator applies the exact 2026 brackets, SDI rates, and OBBBA decoupling status for your state.
Alabama Paycheck Calculator
AL state tax still applies to overtime (decoupled from OBBBA). Full state + federal breakdown.
OBBBA DecoupledCalifornia Paycheck Calculator
Highest state tax rate (13.3% top). CA fully decoupled — state taxes 100% of overtime. SDI 1.13% in 2026.
High TaxConnecticut Paycheck Calculator
Progressive CT state tax 2%–6.99%. Full 2026 bracket breakdown.
CTFlorida Paycheck Calculator
No state income tax. OBBBA federal deductions are the only withholding adjustment.
No State TaxNorth Carolina Paycheck Calculator
NC flat rate with federal brackets and FICA. 2026 deduction breakdown inside.
NCOhio Paycheck Calculator
Ohio state tax plus city/municipal tax context. Full 2026 breakdown.
OHTexas Paycheck Calculator
No state income tax. OBBBA has maximum federal impact for TX workers — check Box 12 Code TT.
No State Tax2026 Specialty Tax Calculators
Specific tax scenarios that generic calculators handle wrong — OBBBA overtime, bonus withholding, travel nurse stipends, and more.
No Tax on Overtime 2026
What OBBBA actually means: what your employer still withholds and how to use the new W-4 Overtime Worksheet.
OBBBANo Tax on Tips 2026
$25,000 federal exclusion. Who qualifies, Step 4(a) W-4 instructions, and why most calculators get this wrong.
OBBBAOvertime Paycheck Calculator
Breaks down regular rate vs. premium rate — only the 0.5x portion qualifies for the OBBBA deduction.
OvertimeBonus Tax Calculator 2026
Supplemental vs. aggregate withholding method — most calculators use the wrong rate for bonuses.
BonusTravel Nurse Paycheck 2026
50-mile rule, tax-free stipend breakdown, and why your effective rate looks artificially low.
Travel NurseSALT Cap Calculator 2026
$10,000 SALT cap remains. See how the OBBBA standard deduction increase interacts.
SALTSenior Deduction Calculator 2026
Enhanced $1,600 additional deduction for 65+ filers. Paycheck-level impact explained.
65+Medicare Tax Calculator 2026
1.45% base + 0.9% Additional Medicare Tax above $200K. Full FICA interaction explained.
MedicareSocial Security Tax Calculator 2026
6.2% on wages up to $184,500. See exactly when you stop paying mid-year.
FICA2026 Living Wage vs. Minimum Wage — Top 20 States
Living wage estimates based on MIT Living Wage Calculator (single adult, no dependents). Minimum wages reflect 2026 state rates. The gap shows how far minimum wage falls short of actual living costs.
| State | 2026 Min Wage | Living Wage | Annual Gap | OBBBA Impact | Calculator |
|---|---|---|---|---|---|
| California | $16.50/hr | $22.14/hr | −$11,388 | Decoupled — OT still taxed | Calculate → |
| Texas | $7.25/hr | $18.19/hr | −$22,568 | Full OBBBA benefit | Calculate → |
| Florida | $13.00/hr | $18.40/hr | −$11,232 | Full OBBBA benefit | Calculate → |
| New York | $16.50/hr | $23.47/hr | −$14,456 | Coupled + COLA adj. | National Calc → |
| Ohio | $10.45/hr | $17.22/hr | −$14,082 | Full OBBBA benefit | Calculate → |
| Illinois | $15.00/hr | $19.25/hr | −$8,840 | Full OBBBA benefit | National Calc → |
| Pennsylvania | $7.25/hr | $18.01/hr | −$22,464 | Full OBBBA benefit | National Calc → |
| Georgia | $7.25/hr | $17.29/hr | −$20,904 | Full OBBBA benefit | National Calc → |
| North Carolina | $7.25/hr | $17.14/hr | −$20,592 | Full OBBBA benefit | Calculate → |
| Michigan | $10.56/hr | $17.84/hr | −$14,976 | Full OBBBA benefit | National Calc → |
| Washington | $16.66/hr | $21.10/hr | −$9,192 | Full OBBBA benefit | National Calc → |
| Arizona | $14.35/hr | $18.02/hr | −$7,644 | Full OBBBA benefit | National Calc → |
| Tennessee | $7.25/hr | $16.82/hr | −$19,864 | Full OBBBA benefit | National Calc → |
| Colorado | $14.81/hr | $19.45/hr | −$9,672 | Partial — taxes OT, exempts tips | National Calc → |
| Virginia | $12.41/hr | $18.55/hr | −$12,688 | Full OBBBA benefit | National Calc → |
| Nevada | $12.00/hr | $18.22/hr | −$12,896 | Full OBBBA benefit | National Calc → |
| Alabama | $7.25/hr | $16.41/hr | −$19,032 | Decoupled — OT still taxed | Calculate → |
| Connecticut | $16.35/hr | $21.78/hr | −$11,398 | Full OBBBA benefit | Calculate → |
| Oregon | $15.45/hr | $20.13/hr | −$9,734 | Full OBBBA benefit | National Calc → |
| Massachusetts | $15.00/hr | $22.86/hr | −$16,493 | Full OBBBA benefit | National Calc → |
Sources: MIT Living Wage Calculator (2026 estimates), U.S. Department of Labor state minimum wage tables. Annual gap assumes 40hr/week, 52 weeks. OBBBA impact column reflects state-level overtime tax decoupling status.
OBBBA 2026: What Actually Changed on Your Paycheck
What Qualifies for the Overtime Deduction
Only the premium portion (the 0.5x part of time-and-a-half) qualifies — not your full overtime pay. If you earn $20/hr and work 10 overtime hours, only $100 (10 × $10) qualifies, not $300.
What Qualifies for the Tip Deduction
Qualifying tips are amounts voluntarily given by customers in a tipped occupation — not mandatory service charges. Earn more than $5,000/year in tips? Do not leave Step 4(a) on your 2026 W-4 blank.
States That Still Tax Your Overtime
California, Alabama, Colorado (OT only), DC, and New Mexico have decoupled from the federal OBBBA overtime exclusion. Your state income tax still applies to 100% of overtime in those states.
2026 Paycheck FAQ
What is the 2026 FICA tax rate?
Social Security is 6.2% on wages up to $184,500. Medicare is 1.45% with no wage cap. Workers earning above $200,000 (single) also owe the 0.9% Additional Medicare Tax. Both employee and employer pay the same rate.
What does OBBBA mean for my paycheck?
The One Big Beautiful Bill Act provides a federal above-the-line deduction of up to $12,500 for qualifying overtime premium pay and up to $25,000 for qualifying tips. It is a tax return deduction — your employer still withholds FICA and federal income tax on those earnings unless you adjust your W-4.
Which states do NOT follow the federal OBBBA overtime exclusion?
California, Alabama, DC, and New Mexico have fully decoupled. Colorado partially decoupled (taxes OT but exempts tips). New York is coupled with a 2026 cost-of-living auto-adjustment. All other states generally follow federal treatment.
How do I calculate my biweekly take-home pay?
Biweekly take-home = (Annual Gross ÷ 26) minus federal income tax withheld per period minus Social Security (6.2%) minus Medicare (1.45%) minus state income tax. Use our biweekly calculator for a full per-paycheck breakdown.
What is the 2026 standard deduction?
$16,100 for single filers; $32,200 married filing jointly — a $500 increase from 2025. Taxpayers 65+ receive an additional $1,600. OBBBA also added above-the-line deductions for qualifying overtime and tip income.