U.S. Take-Home Pay & Paycheck Calculators (2026)

How much of your salary do you actually keep? Federal income tax, state income tax, and payroll deductions all reduce your paycheck — and the impact varies dramatically by state. At $100,000, Texas workers take home approximately $79,180 while California workers keep only $72,151 — a difference of about $7,029/year under this model, reflecting California PIT plus SDI.

On this page: Primary calculators · State comparison table · State calculators · How U.S. taxes work · FAQs

Primary Tool

U.S. Hourly Paycheck Tax Calculator

Estimate your real hourly take-home pay after federal and payroll taxes. $15/hr = ~$524/wk · $20/hr = ~$685/wk · $30/hr = ~$1,006/wk. Add your state for full accuracy.

U.S. take-home pay calculators

State-by-state take-home pay comparison (2026)

Here's how state income tax affects take-home pay at $75,000 and $100,000 salary (single filer, standard deduction, federal + state income tax + FICA):

State	2026 model	$75k Take-Home	$100k Take-Home	vs Texas at $100k	Calculator
Texas	No individual wage income tax	~$61,592	~$79,180	Baseline	Calculate
Florida	No individual wage income tax	~$61,592	~$79,180	Same baseline as TX	Calculate
Washington	No wage income tax; standard employee Paid Leave + WA Cares modeled	~$60,552	~$77,793	−$1,387	Calculate
Arizona	Approx. 2.5% state-rate scenario	~$60,120	~$77,083	−$2,097	State hub estimate
Colorado	Approx. 4.4% state-rate scenario	~$59,000	~$75,488	−$3,692	State hub estimate
New York	2026 NY state estimate; outside NYC	~$58,140	~$74,320	−$4,860	Calculate
California	EDD Method B PIT + 1.3% SDI estimate	~$57,397	~$72,151	−$7,029	Calculate

Estimates only. Single filer, 2026 federal brackets and standard deduction ($16,100). State income tax computed on gross wages (most states' own standard deductions are not modeled here). Excludes local taxes and pre-tax deductions. For your exact scenario, use the state take-home pay comparison tool or your state's dedicated calculator.

State take-home pay and paycheck calculators

Dedicated calculators with full tax breakdowns, reference tables, and hourly wage estimates are available for these states:

Know your take-home pay — file your taxes accurately

Once you've estimated your after-tax income, these tools handle the actual filing — including multi-state returns, W-2 income, and salary changes:

TurboTax↗ — guided federal and state filing for W-2, hourly, and salaried workers

FreeTaxUSA↗ — free federal filing, low-cost state returns for any state

H&R Block↗ — file online or in-person with tax professionals across the US

Affiliate links — we may earn a commission at no cost to you.

How U.S. taxes affect your take-home pay

In the United States, your net income depends on three layers of taxation that apply to every paycheck regardless of state:

Federal income tax — 10–37% progressive brackets. Most full-time workers earning $30k–$100k fall in the 12–22% federal bracket.
FICA (payroll tax) — Social Security is 6.2% up to the 2026 wage base; Medicare is 1.45% on wages, with 0.9% Additional Medicare withholding above $200,000. Federal FICA rules are the same in every state.
State income tax — 0% to 13.3% depending on state. This is where take-home pay diverges most between states.

Because federal tax and FICA are identical across these examples, the modeled take-home difference between Texas and California comes from California PIT and SDI. At $100,000 the gap is approximately $7,029/year; at $150,000 it is about $12,794/year.

Understanding the difference between your marginal tax rate (the rate on your next dollar of income) and your effective rate (your actual average tax rate) is key to reading take-home pay estimates correctly. See the marginal vs effective tax rate guide for a plain-language explanation, or the gross vs net income guide for a full breakdown of what gets deducted from a paycheck.

For a full state ranking, see best states for take-home pay. For high earners above $150k, see best states for high income earners.

U.S. take-home pay FAQs

Does every U.S. state have income tax?

No. Nine states have no individual state income tax on wage income: Texas, Florida, Washington, Nevada, Tennessee, Wyoming, South Dakota, Alaska, and New Hampshire. New Hampshire’s former Interest and Dividends Tax was repealed effective January 1, 2025. Workers still pay federal income tax and employee FICA, and separate state payroll programs or local taxes can apply; Washington, for example, has employee Paid Leave and WA Cares premiums.

Which states have the highest take-home pay?

States without an individual tax on wage income often produce higher cash take-home, but they are not all identical. At $100,000 under this site's 2026 baseline, Texas and Florida are about $79,180, Washington is about $77,793 with standard employee state payroll premiums, New York outside NYC about $74,320, and California about $72,151.

Is take-home pay the same as net income?

Yes. Take-home pay and net income both refer to what you receive after all taxes and mandatory deductions are withheld from your gross salary or hourly wages. See the gross vs net income guide for a full explanation of what gets deducted.

Should I rely on these calculators for filing taxes?

No. These tools provide estimates only and are not a substitute for professional tax advice or tax filing software. When you're ready to file, TurboTax↗ or FreeTaxUSA↗ handle the actual filing accurately.