Free · 2026 Federal & State Tax Rates
How much will your paycheck actually be after taxes?
Enter your salary below. See the exact amount that lands in your bank account each pay period, broken down to the dollar.
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Understand Exactly Where Your Paycheck Goes
Most people know their salary — fewer know their real take-home pay. NetPayGuide calculates exactly what lands in your bank account each pay period, accounting for every dollar withheld: federal income tax, state income tax, Social Security, Medicare, and any pre-tax or post-tax deductions you carry.
Enter your salary or hourly rate, select your state and filing status, and the calculator updates in real time. No submit button, no waiting, no signup. The 2026 tax tables are baked in — federal brackets, standard deductions, and each state's specific rates — so you get an accurate estimate the moment you type.
Pre-tax deductions (traditional 401(k), HSA, FSA, health insurance) are subtracted before taxes are calculated, reducing your taxable income and your tax bill. That means a $500/month 401(k) contribution doesn't cost you $500 in take-home — it costs considerably less, depending on your bracket. The breakdown panel shows you exactly how much each deduction is worth in tax savings.
Evaluating a job offer in a new state? Wondering how a raise changes your actual take-home? Trying to decide between traditional and Roth 401(k)? Adjust any input and see the results instantly. Select a state from the navigation above for state-specific tax rules, SDI notes, and local guidance.