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 $76,600 while California workers keep only $68,900 — a difference of $7,700/year from state tax alone.

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 = ~$540/wk · $20/hr = ~$700/wk · $30/hr = ~$1,005/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	State Income Tax	$75k Take-Home	$100k Take-Home	vs Texas (at $100k)	Calculator
Texas	0% — no state tax	~$59,500	~$76,600	Baseline	Calculate
Florida	0% — no state tax	~$59,500	~$76,600	Same as TX	Calculate
Washington	0% — no state tax	~$59,500	~$76,600	Same as TX	Calculate
Arizona	2.5% flat	~$57,800	~$74,400	−$2,200/yr	—
Colorado	4.4% flat	~$56,200	~$72,300	−$4,300/yr	—
New York	4–10.9% progressive	~$55,100	~$70,200	−$6,400/yr	Calculate
California	1–13.3% progressive	~$54,800	~$68,900	−$7,700/yr	Calculate
Oregon	4.75–9.9% progressive	~$54,200	~$68,100	−$8,500/yr	—

Estimates only. Single filer, standard deduction, 2026 rates. 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:

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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 (6.2%) + Medicare (1.45%) = 7.65% flat on all wages. 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 states, the entire take-home pay difference between Texas and California at $100,000 — approximately $7,700/year — comes from California's state income tax alone. At $150,000, that gap grows to approximately $13,900/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 state income tax on wages: Texas, Florida, Washington, Nevada, Tennessee, Wyoming, South Dakota, Alaska, and New Hampshire (which exempts wages but taxes some investment income). Workers in these states pay only federal income tax and FICA, keeping approximately $1,500–$7,700 more per year than workers in high-tax states at the same salary level.

Which states have the highest take-home pay?

States with no state income tax consistently offer the highest take-home pay. At $100,000 salary, Texas, Florida, and Washington workers take home approximately $76,600 versus $68,900 in California and $70,200 in upstate New York. For a full state ranking, see best states for take-home pay.

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.