# PaycheckCalcHQ

> Free US paycheck (take-home pay) calculator. Federal income tax follows IRS Publication 15-T (2026) Worksheet 1A; Social Security and Medicare use SSA and IRS figures; each state is added only after checking official state guidance. Every rate links to its source.

## Calculators
- [Paycheck calculator](https://paycheckcalchq.com/): all states, federal taxes, Form W-4 steps, 401(k) and health deductions, step-by-step math
- [Alabama paycheck calculator](https://paycheckcalchq.com/alabama-paycheck-calculator/)
- [Alaska paycheck calculator](https://paycheckcalchq.com/alaska-paycheck-calculator/)
- [Arizona paycheck calculator](https://paycheckcalchq.com/arizona-paycheck-calculator/)
- [Arkansas paycheck calculator](https://paycheckcalchq.com/arkansas-paycheck-calculator/)
- [California paycheck calculator](https://paycheckcalchq.com/california-paycheck-calculator/)
- [Colorado paycheck calculator](https://paycheckcalchq.com/colorado-paycheck-calculator/)
- [Connecticut paycheck calculator](https://paycheckcalchq.com/connecticut-paycheck-calculator/)
- [Delaware paycheck calculator](https://paycheckcalchq.com/delaware-paycheck-calculator/)
- [Florida paycheck calculator](https://paycheckcalchq.com/florida-paycheck-calculator/)
- [Georgia paycheck calculator](https://paycheckcalchq.com/georgia-paycheck-calculator/)
- [Hawaii paycheck calculator](https://paycheckcalchq.com/hawaii-paycheck-calculator/)
- [Idaho paycheck calculator](https://paycheckcalchq.com/idaho-paycheck-calculator/)
- [Illinois paycheck calculator](https://paycheckcalchq.com/illinois-paycheck-calculator/)
- [Indiana paycheck calculator](https://paycheckcalchq.com/indiana-paycheck-calculator/)
- [Iowa paycheck calculator](https://paycheckcalchq.com/iowa-paycheck-calculator/)
- [Kansas paycheck calculator](https://paycheckcalchq.com/kansas-paycheck-calculator/)
- [Kentucky paycheck calculator](https://paycheckcalchq.com/kentucky-paycheck-calculator/)
- [Louisiana paycheck calculator](https://paycheckcalchq.com/louisiana-paycheck-calculator/)
- [Maine paycheck calculator](https://paycheckcalchq.com/maine-paycheck-calculator/)
- [Maryland paycheck calculator](https://paycheckcalchq.com/maryland-paycheck-calculator/)
- [Massachusetts paycheck calculator](https://paycheckcalchq.com/massachusetts-paycheck-calculator/)
- [Michigan paycheck calculator](https://paycheckcalchq.com/michigan-paycheck-calculator/)
- [Minnesota paycheck calculator](https://paycheckcalchq.com/minnesota-paycheck-calculator/)
- [Mississippi paycheck calculator](https://paycheckcalchq.com/mississippi-paycheck-calculator/)
- [Missouri paycheck calculator](https://paycheckcalchq.com/missouri-paycheck-calculator/)
- [Montana paycheck calculator](https://paycheckcalchq.com/montana-paycheck-calculator/)
- [Nebraska paycheck calculator](https://paycheckcalchq.com/nebraska-paycheck-calculator/)
- [Nevada paycheck calculator](https://paycheckcalchq.com/nevada-paycheck-calculator/)
- [New Hampshire paycheck calculator](https://paycheckcalchq.com/new-hampshire-paycheck-calculator/)
- [New Jersey paycheck calculator](https://paycheckcalchq.com/new-jersey-paycheck-calculator/)
- [New Mexico paycheck calculator](https://paycheckcalchq.com/new-mexico-paycheck-calculator/)
- [New York paycheck calculator](https://paycheckcalchq.com/new-york-paycheck-calculator/)
- [North Carolina paycheck calculator](https://paycheckcalchq.com/north-carolina-paycheck-calculator/)
- [North Dakota paycheck calculator](https://paycheckcalchq.com/north-dakota-paycheck-calculator/)
- [Ohio paycheck calculator](https://paycheckcalchq.com/ohio-paycheck-calculator/)
- [Oklahoma paycheck calculator](https://paycheckcalchq.com/oklahoma-paycheck-calculator/)
- [Oregon paycheck calculator](https://paycheckcalchq.com/oregon-paycheck-calculator/)
- [Pennsylvania paycheck calculator](https://paycheckcalchq.com/pennsylvania-paycheck-calculator/)
- [Rhode Island paycheck calculator](https://paycheckcalchq.com/rhode-island-paycheck-calculator/)
- [South Carolina paycheck calculator](https://paycheckcalchq.com/south-carolina-paycheck-calculator/)
- [South Dakota paycheck calculator](https://paycheckcalchq.com/south-dakota-paycheck-calculator/)
- [Tennessee paycheck calculator](https://paycheckcalchq.com/tennessee-paycheck-calculator/)
- [Texas paycheck calculator](https://paycheckcalchq.com/texas-paycheck-calculator/)
- [Utah paycheck calculator](https://paycheckcalchq.com/utah-paycheck-calculator/)
- [Vermont paycheck calculator](https://paycheckcalchq.com/vermont-paycheck-calculator/)
- [Virginia paycheck calculator](https://paycheckcalchq.com/virginia-paycheck-calculator/)
- [Washington paycheck calculator](https://paycheckcalchq.com/washington-paycheck-calculator/)
- [West Virginia paycheck calculator](https://paycheckcalchq.com/west-virginia-paycheck-calculator/)
- [Wisconsin paycheck calculator](https://paycheckcalchq.com/wisconsin-paycheck-calculator/)
- [Wyoming paycheck calculator](https://paycheckcalchq.com/wyoming-paycheck-calculator/)
- [New York City paycheck calculator](https://paycheckcalchq.com/nyc-paycheck-calculator/)
- [Hourly Paycheck Calculator](https://paycheckcalchq.com/hourly-paycheck-calculator/): same engine, opens in hourly mode
- [Salary Paycheck Calculator](https://paycheckcalchq.com/salary-paycheck-calculator/): same engine, opens in salary mode
- [Overtime Calculator](https://paycheckcalchq.com/overtime-calculator/): same engine, opens in overtime mode
- [Pay Raise Calculator](https://paycheckcalchq.com/pay-raise-calculator/): take-home pay before and after a raise
- [Bonus Tax Calculator](https://paycheckcalchq.com/bonus-tax-calculator/): same engine, opens in bonus mode
- [Gross-Up Calculator](https://paycheckcalchq.com/gross-up-calculator/): same engine, opens in grossup mode
- [Salary to Hourly Calculator](https://paycheckcalchq.com/salary-to-hourly-calculator/): same engine, opens in convert mode
- [W-4 Calculator](https://paycheckcalchq.com/w4-calculator/): same engine, opens in w4calc mode
- [1099 Tax Calculator](https://paycheckcalchq.com/1099-tax-calculator/): same engine, opens in se mode
- [No Tax on Overtime Calculator](https://paycheckcalchq.com/no-tax-on-overtime-calculator/): same engine, opens in w4 mode
- [Hourly to salary chart](https://paycheckcalchq.com/hourly-to-salary/): $15 to $70 an hour per year, month and paycheck, with take-home pay by state
- [Pennsylvania local tax rates](https://paycheckcalchq.com/pennsylvania-local-tax/): local earned income tax and Local Services Tax for every municipality and school district, by county, from the DCED register
- [Ohio local income tax](https://paycheckcalchq.com/ohio-local-tax/): municipal and school district income tax rates for every Ohio city, village and school district, from the Ohio Department of Taxation
- [Michigan city income tax](https://paycheckcalchq.com/michigan-city-income-tax/): the 24 Michigan cities with an income tax, with rates verified from each city's own documents
- [Glossary](https://paycheckcalchq.com/glossary/): plain-English definitions of paycheck, tax and wage terms
- [Minimum wage by state](https://paycheckcalchq.com/minimum-wage-by-state/): statewide minimum wage, scheduled increases and take-home pay for every state and DC
- [Salary by job](https://paycheckcalchq.com/salary-by-job/): BLS median pay for 72 common jobs, pay by state and take-home after taxes

## Videos
- [Paycheck explainer videos](https://paycheckcalchq.com/videos/): short plain-English videos with captions, transcripts and sources
- [States With No Income Tax: What You Still Pay (2026)](https://paycheckcalchq.com/videos/states-with-no-income-tax/): The 9 states with no state income tax on wages, what employers still withhold, and take-home pay on a $60,000 salary in Texas, Florida, Washington and Alaska compared with California.
- [No Tax on Overtime: How the Deduction Works (2025 to 2028)](https://paycheckcalchq.com/videos/no-tax-on-overtime/): The federal overtime deduction for 2025 to 2028, in plain English: what counts as qualified overtime, a worked example at $25 an hour, the limits, and what does not change.
- [401(k) Limit 2026: $24,500 and Catch-Up Rules Explained](https://paycheckcalchq.com/videos/401k-contribution-limit-2026/): The 2026 401(k) limits from the IRS: $24,500, the $8,000 catch-up at 50, the $11,250 catch-up at 60 to 63, the amount per paycheck to reach the limit, and the effect on take-home pay.
- [HSA vs FSA: 2026 Limits and the Effect on Your Paycheck](https://paycheckcalchq.com/videos/hsa-vs-fsa/): HSA vs FSA for 2026 open enrollment: who can use each, the 2026 limits ($4,400 / $8,750 HSA, $3,400 FSA), the $680 carryover, and what $100 a paycheck costs you.
- [California SDI in 2026: 1.3% With No Wage Limit](https://paycheckcalchq.com/videos/california-sdi/): California State Disability Insurance (SDI) in 2026: the 1.3% rate, no wage limit, what it pays for, and how much comes out of a paycheck at $60,000, $100,000 and $250,000.
- [FICA Tax Explained: Social Security and Medicare (2026)](https://paycheckcalchq.com/videos/fica-tax/): What FICA tax is, the 2026 rates (6.2% Social Security up to $184,500, 1.45% Medicare), the employer match, the 0.9% Additional Medicare Tax, and examples at $60,000 and $250,000.
- [Net vs Gross Pay: What Comes Out of Your Paycheck (2026)](https://paycheckcalchq.com/videos/gross-vs-net-pay/): Net vs gross pay on one real paycheck: $25 an hour for 80 hours, a 401(k) and health insurance before taxes, then federal tax, Social Security and Medicare.
- [No Tax on Tips: How the $25,000 Deduction Works (2025 to 2028)](https://paycheckcalchq.com/videos/no-tax-on-tips/): The federal deduction for tips, 2025 to 2028, in plain English: who qualifies, what counts as a qualified tip, the $25,000 limit, a worked example, and what taxes still apply.
- [NYC Income Tax on Your Paycheck (2026): Who Pays and How Much](https://paycheckcalchq.com/videos/nyc-income-tax/): Who pays New York City income tax, and what it takes from a $60,000 paycheck in 2026: state tax, city tax, disability insurance, Paid Family Leave and take-home pay.
- [Self-Employment Tax Explained: How to Calculate It (2026)](https://paycheckcalchq.com/videos/self-employment-tax/): How self-employment tax works in 2026: 15.3% on 92.35% of net profit, the $184,500 Social Security wage base, the $400 rule, the deduction for half, and estimated payments.
- [1099 vs W-2: Who Pays More Tax on $60,000? (2026)](https://paycheckcalchq.com/videos/1099-vs-w2/): A W-2 employee and a 1099 contractor, each paid $60,000 in 2026: who withholds tax, Social Security and Medicare, income tax, and the total federal tax for each.
- [How to Fill Out Form W-4 (2026), Step by Step](https://paycheckcalchq.com/videos/how-to-fill-out-w4/): Fill out the 2026 Form W-4 step by step: filing status, multiple jobs, dependents ($2,200 per child under 17), other adjustments, and the effect on your paycheck.
- [Biweekly vs Semimonthly Pay: What Is the Difference?](https://paycheckcalchq.com/videos/biweekly-vs-semimonthly/): Biweekly pay (26 paychecks) and semimonthly pay (24 paychecks) compared on a $60,000 salary: gross pay, take-home pay, and the months with three paychecks.
- [Why Is My Bonus Taxed at 22%? Bonus Tax Explained (2026)](https://paycheckcalchq.com/videos/why-bonus-taxed-22-percent/): Why employers withhold 22% federal income tax from a bonus, what a $5,000 bonus pays after taxes, the aggregate method, and why 22% is not your final tax.
- [HSA vs FSA 2027 Explained: New Limits in One Video](https://paycheckcalchq.com/videos/hsa-vs-fsa-2027/): The 2027 HSA limits from the IRS ($4,500 self-only, $9,000 family), the 2027 high-deductible plan rules, the new direct primary care rule, and what to know about the health FSA for 2027.
- [How Much Tax Is Taken Out of My Paycheck? (2026)](https://paycheckcalchq.com/videos/how-much-tax-taken-out-of-paycheck/): How much tax comes out of a paycheck in 2026: federal income tax, Social Security and Medicare at $40,000, $60,000 and $100,000, and what state tax adds in California and New York.
- [Social Security Wage Base 2026: Why Your Paycheck Gets Bigger](https://paycheckcalchq.com/videos/social-security-wage-base/): The 2026 Social Security wage base of $184,500 ($192,300 in 2027), when Social Security tax stops, and how much bigger the paycheck gets, with a $240,000 salary example.
- [$60,000 Salary: Take-Home Pay for Each Paycheck (2026)](https://paycheckcalchq.com/videos/60000-salary-take-home-pay/): The parts of one paycheck on a $60,000 salary paid every two weeks in 2026: gross pay, federal income tax, Social Security, Medicare, and take-home pay in Texas and California.

## Guides
- [How to Read a Pay Stub](https://paycheckcalchq.com/guides/how-to-read-a-pay-stub/): How to read your pay stub: gross pay, pre-tax deductions, federal and state taxes, Social Security, Medicare, net pay and year-to-date totals, line by line.
- [Form W-4 2026: Step-by-Step Walkthrough](https://paycheckcalchq.com/guides/w4-2026-walkthrough/): How to fill out the 2026 Form W-4 step by step: filing status, multiple jobs, dependents, the new tips and overtime deductions, and extra withholding.
- [Biweekly vs Semi-Monthly Pay](https://paycheckcalchq.com/guides/biweekly-vs-semimonthly-pay/): Biweekly vs semi-monthly pay: 26 paychecks or 24, how much each paycheck is, three-paycheck months, overtime and budgeting.
- [Why Your Paycheck Gets Bigger After the Social Security Cap](https://paycheckcalchq.com/guides/social-security-wage-base-paycheck/): Why your paycheck jumps once your pay passes the 2026 Social Security wage base of $184,500, with an example and what happens with two jobs.
- [How Much Tax Is Taken Out of My Paycheck?](https://paycheckcalchq.com/guides/how-much-tax-is-taken-out-of-paycheck/): How much tax comes out of a paycheck in 2026: federal tax, Social Security, Medicare and state tax, with the share taken out in every state.
- [Minimum Wage Increases in 2027](https://paycheckcalchq.com/guides/minimum-wage-increases-2027/): Every state minimum wage increase scheduled for 2027: the new rate, the date, the raise per hour and per year, and the official source for each.
- [1099 vs W-2: How Much More a Contractor Needs to Earn](https://paycheckcalchq.com/guides/1099-vs-w2-take-home-pay/): 1099 vs W-2 take-home pay in 2026: self-employment tax, the QBI deduction, and how much more 1099 income you need to match a salary.
- [Who Gets Overtime Pay? FLSA Exemptions Explained](https://paycheckcalchq.com/guides/who-gets-overtime/): Who is owed overtime under federal law: the 40-hour rule, salaried exemptions, nurses, police, firefighters, truck drivers and the overtime deduction.
- [How Many Working Days Are in 2026?](https://paycheckcalchq.com/guides/working-days-in-a-year/): Working days and hours in 2026 and 2027 by month, the federal holiday dates, and why pay uses 2,080 hours a year.
- [Gross Pay vs Net Pay](https://paycheckcalchq.com/guides/gross-pay-vs-net-pay/): Gross pay vs net pay: what each means, a 2026 paycheck worked from gross to net, and gross and net pay at common salaries.
- [HSA vs FSA (2026): Limits, Rules and Your Paycheck](https://paycheckcalchq.com/guides/hsa-vs-fsa/): HSA vs FSA for 2026: who can open each, the 2026 limits, what happens to unused money, and how much each saves on your paycheck, with official IRS sources.
- [No Tax on Tips (2026): Who Qualifies and How Much You Save](https://paycheckcalchq.com/guides/no-tax-on-tips/): No tax on tips explained: who qualifies, what counts as a qualified tip, the $25,000 limit, the income phase-out, and how much federal tax it saves, with IRS sources.
- [FICA Tax (2026): Rates, Employer Match and What You Pay](https://paycheckcalchq.com/guides/fica-tax/): FICA tax explained: the 2026 Social Security and Medicare rates, the employer match, the wage base, the 0.9% Additional Medicare Tax, and FICA per paycheck at common salaries.
- [401(k) Contribution Limit 2026: $24,500 Plus Catch-Up](https://paycheckcalchq.com/guides/401k-contribution-limit/): The 2026 401(k) contribution limit from the IRS, catch-up contributions at 50 and at 60 to 63, the total limit with employer money, how much to put in each paycheck, and the effect on take-home pay.
- [HSA vs FSA 2027: New Limits for Open Enrollment](https://paycheckcalchq.com/guides/hsa-vs-fsa-2027/): HSA vs FSA for the 2027 plan year: the new IRS HSA limits ($4,500 and $9,000), 2027 high-deductible plan rules, the direct primary care rule, the 2027 FSA limit status and the tax saving.

## Reference
- [How it works](https://paycheckcalchq.com/methodology/)
- [How we verify: official examples our engine reproduces](https://paycheckcalchq.com/how-we-verify/)
- [Sources](https://paycheckcalchq.com/sources/)
- [Changelog](https://paycheckcalchq.com/changelog/)