Paycheck Calculator

2026 take-home pay estimate for regular taxable cash wages

Your Information

Pay Frequency

State

W-4 Filing Status

W-4 Step 2(c): Multiple Jobs Checkbox

Taxable Gross Pay This Period

Prior YTD Taxable Wages From This Employer (Before This Period)

Actual State Withholding This Period (Enter 0 If None)

Actual Local Withholding This Period (Enter 0 If None)

W-4 Step 3: Annual Credits

W-4 Step 4(a): Annual Other Income

W-4 Step 4(b): Annual Deductions

W-4 Step 4(c): Extra Federal Withholding Per Period

Your Results

No estimate calculated.

Federal withholding uses 2026 IRS Publication 15-T and modern W-4 elections. State and local amounts are supplied, not estimated. Prior wages must be actual 2026 wages from this employer; enter 0 only if there were none.

This estimate assumes the same taxable wage amount for federal income tax, Social Security, and Medicare, with no pretax benefits, supplemental-pay rules, or exempt status. It is not a payroll record or tax return. Reconcile documents to actual earnings and deductions.

Understanding Your Paycheck Deductions

Federal Income Tax: A 2026 withholding estimate using pay frequency, filing status, and W-4 Steps 2 through 4.
State and Local Income Tax: Actual per-period amounts from your payroll records, including an explicit zero when none applies.
Social Security: 6.2% up to $184,500 in 2026, accounting for actual prior taxable wages from this employer.
Medicare: 1.45% of taxable wages plus 0.9% on the portion this employer pays above $200,000 YTD, regardless of filing status.