Take Home Pay Calculator by State

How it is calculated

1. Taxable wages are salary minus traditional 401(k) and payroll HSA contributions.
2. Federal taxable income is that, minus the standard deduction for your filing status. Tax is the sum of each bracket's rate on the slice of income inside it.
3. Social Security is 6.2% of wages up to the wage base. Medicare is 1.45% of all wages, plus 0.9% above the Additional Medicare threshold. Both are charged on wages before 401(k) deferrals.
4. State income tax is the state's rate on the same wages: a flat rate (after the exemption where one applies), or graduated brackets after the state standard deduction (New York on its 2026 tables, California on its 2025 tables because 2026 was not yet published). California taxes salary minus 401(k) only, since it does not follow the federal HSA exclusion. California SDI and Washington WA Cares are subtracted as payroll premiums. Pennsylvania is the exception: it taxes 401(k) deferrals, so its base is salary minus payroll HSA only.
5. Net pay is salary minus all of the above, divided by the number of pay periods.

Sources, read on 2026-10-27

• Federal brackets and standard deduction: IRS Revenue Procedure 2025-32, sections 4.01 and 4.14 (Internal Revenue Bulletin 2025-45) (read 2026-10-27): “Over $640,600: $192,979.25 plus 37% of the excess over $640,600 (unmarried individuals)”
• Social Security wage base and rate: IRS Publication 15 (2026), What's New (read 2026-10-27): “The social security wage base limit is $184,500.”
• Additional Medicare Tax thresholds: IRS Topic no. 560, Additional Medicare Tax (read 2026-10-27): “$250,000 for married filing jointly ... $125,000 for married filing separately ... $200,000 for all other taxpayers”
• Additional standard deduction, age 65 or older: IRS Revenue Procedure 2025-32, section 4.14(3) (Internal Revenue Bulletin 2025-45) (read 2026-10-27): “The additional standard deduction amount is increased to $2,050 if the individual is also unmarried and not a surviving spouse.”
• 401(k) limits: IRS news release IR-2025-111 (read 2026-10-27): “has increased to $24,500, up from $23,500 for 2025”
• HSA limits: IRS Publication 969 (2025 edition), tip on 2026 limits (read 2026-10-27): “For 2026, if you have self-only HDHP coverage, you can contribute up to $4,400.”
• California state income tax: California Franchise Tax Board, 2025 Form 540 booklet (tax rate schedules X, Y, Z and standard deduction) (read 2026-10-27): “Married/RDP filing jointly, head of household, or qualifying surviving spouse/RDP, enter $11,412.”
• California state income tax, further source: California Franchise Tax Board, 2025 Form 540 (exemption credit) (read 2026-10-27): “Multiply the number you put in the line 7 box by $153.”
• California state income tax, further source: California Franchise Tax Board, tax news (2026 status) (read 2026-10-27): “complete 2026 tax rates and exemption amounts will be available on FTB's website in late December”
• California California SDI premium: California Employment Development Department, payroll tax rates (read 2026-10-27): “The SDI withholding rate for 2026 is 1.3 percent.”
• Florida state income tax: Florida Department of Revenue, report tax violations page (read 2026-10-27): “the State of Florida does not have a personal income tax”
• Florida taxes instead of income tax: Florida Department of Revenue, sales and use tax (read 2026-10-27): “Florida's general state sales tax rate is 6%”
• Illinois state income tax: Illinois Department of Revenue, 2026 withholding tables (IL-700-T) and exemption Q&A (read 2026-10-27): “For tax year beginning January 1, 2026, it is $2,925 per exemption.”
• Kentucky state income tax: Kentucky Department of Revenue, 2026 Kentucky Withholding Tax Formula (read 2026-10-27): “2026 Kentucky Tax Rate: 3.5% of taxable income”
• Michigan state income tax: Michigan Department of Treasury, 2026 Income Tax Withholding Guide (446) (read 2026-10-27): “Withholding Rate: 4.25% Personal Exemption Amount: $5,900”
• New Hampshire state income tax: New Hampshire Department of Revenue Administration, Interest & Dividends Tax (read 2026-10-27): “does not have an income tax on an individual's reported W-2 wages”
• Nevada state income tax: Nevada Department of Taxation, Income Tax in Nevada (read 2026-10-27): “Nevada residents do not pay state tax on income earned from salaries, wages, or similar compensation”
• Nevada taxes instead of income tax: Nevada Department of Taxation, Income Tax in Nevada (read 2026-10-27): “Nevada does have a Commerce Tax for businesses whose gross revenue exceeds $4 million in a fiscal year.”
• New York state income tax: New York State Department of Taxation and Finance, withholding tax rate changes (2026 schedules) (read 2026-10-27): “We revised the 2026 New York State personal income tax rate schedules”
• New York state income tax, further source: New York State Department of Taxation and Finance, withholding tax rate changes (effective date) (read 2026-10-27): “These changes apply to payrolls made on or after January 1, 2026.”
• New York state income tax, further source: New York State Department of Taxation and Finance, 2025 IT-201 instructions (standard deduction) (read 2026-10-27): “Head of household (with qualifying person) $11,200”
• Pennsylvania state income tax: Pennsylvania Department of Revenue, personal income tax rates (read 2026-10-27): “2004 – Present / 3.07%”
• South Dakota state income tax: South Dakota Department of Revenue, Sales and Use Tax Guide (July 2026) (read 2026-10-27): “South Dakota does not have a corporate, unitary, or personal income tax”
• South Dakota taxes instead of income tax: South Dakota Department of Revenue, sales and use tax (read 2026-10-27): “The state sales and use tax rate is 4.2%.”
• Tennessee state income tax: Tennessee Department of Revenue, Hall Income Tax repealed (read 2026-10-27): “The Hall income tax is being phased out through December 31, 2020. The tax is fully repealed beginning January 1, 2021.”
• Tennessee taxes instead of income tax: Tennessee Department of Revenue, sales and use tax (read 2026-10-27): “The general state tax rate is 7%.”
• Texas state income tax: Texas Comptroller, Texas is open for small business (read 2026-10-27): “Texas has no state income tax.”
• Texas taxes instead of income tax: Texas Comptroller, sales and use tax (read 2026-10-27): “a maximum combined rate of 8.25 percent”
• Washington state income tax: Washington Department of Revenue, income tax (read 2026-10-27): “Washington does not currently have an individual income tax”
• Washington WA Cares Fund premium: Washington WA Cares Fund, employers (read 2026-10-27): “The premium is 0.58% of an employee's gross wages.”

What it leaves out

• Annual liability for one earner, not payroll withholding. Your paycheck can differ because of your W-4.
• Wages only: no credits (such as the child tax credit), dependents, itemized deductions, other income, or local and city taxes.
• Payroll HSA contributions are treated as exempt from Social Security and Medicare tax, which is how an employer cafeteria plan works. Check with your employer.
• The HSA age 55+ catch-up and the married filing separately status are not modelled.
• Illinois income is taken as wages minus 401(k) and HSA, with the personal exemption removed above $250,000 ($500,000 joint). California and New York apply graduated brackets after the state standard deduction: New York to the same wages, California to salary minus 401(k) only because it does not follow the federal HSA exclusion. Pennsylvania taxes 401(k) deferrals, so its base is salary minus payroll HSA only.
• California uses its 2025 tax tables because the 2026 amounts were not yet published when we read the official pages (see its state page). New York and the federal figures are 2026.
• California and New York: no dependents, itemized deductions, or credits other than the California personal exemption credit. New York City and Yonkers resident income taxes are not included. New York income above $107,650 gets an extra recapture computation that is not modelled, and the page flags it.
• State payroll premiums: California SDI (1.3% of all wages) and Washington WA Cares (0.58%) are subtracted. Not included: New York State Disability Insurance and Paid Family Leave, Washington Paid Family and Medical Leave, and Pennsylvania employee unemployment withholding.
• Age 65 or older adds the extra standard deduction ($2,050 unmarried, $1,650 married, for your own age only). The senior deduction of up to $6,000 under the 2025 tax law is not modelled, so federal tax for filers 65 and over is slightly overstated.
• The traditional 401(k) catch-up is allowed at any salary. From 2026, higher earners must make catch-up contributions as Roth, which this calculator does not model.

Paycheck calculator by state

Each state links to its own page, with its rules and official sources. Net pay is for a $75,000 salary, filing single, no 401(k).

Excluded (38, including the District of Columbia): Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming. We have not confirmed their 2026 rules against an official source, so we leave them out instead of guessing. They will be added as each is checked.

Take home pay questions

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