2026 US Paycheck Calculator: Free Tool for All 50 States with Updated Tax Rates
Struggling to figure out your real take-home pay after federal, state, and FICA taxes? With 2026 tax brackets now in effect, this free paycheck calculator shows exactly how much money hits your bank account each pay period—whether you're staying put or eyeing a move to a no-income-tax state like Texas or Florida. No data stored, 100% client-side for total privacy.
Why Your Take-Home Pay Varies by State
Federal taxes apply everywhere, but state income taxes can eat 0-13% of your paycheck depending on where you live. FICA (Social Security 6.2% + Medicare 1.45%) is standard nationwide. Add 401(k) or HSA contributions, and the numbers shift fast. A $100,000 salary nets ~$74,000 in California but ~$82,000+ in Florida.
Tools like ours use official IRS brackets and state schedules to break it down instantly.
Federal vs State Taxes vs FICA Explained
- Federal Income Tax: Progressive brackets (10-37% for 2026). Single filer at $50,000 pays about 12% effective rate after standard deduction.
- State Income Tax: Nine states have none (AK, FL, NV, NH, SD, TN, TX, WA, WY). California tops at 13.3%, New York 10.9%.
- FICA: Mandatory 7.65% split (employee/employer) up to wage base ($176,100 for Social Security in 2026).
How the 2026 Tax Brackets Work
IRS sets brackets annually for inflation. For single filers:
- 10% on first $11,925
- 12% on $11,926-$48,475
- 22% on $48,476-$103,350
- (and higher tiers).
State brackets layer on top. Our calculator handles all 50 + DC automatically.
401(k) and HSA: What Gets Deducted Pre-Tax
- 401(k): Contribute up to $24,000 (2026 limit). Lowers taxable income.
- HSA: Up to $4,300 single/$8,550 family. Triple tax-advantaged.
Example: $90K salary + 10% 401(k) = $81K taxable, saving ~$2,500 in taxes.
Step-by-Step: Calculate Your Paycheck
- Enter gross pay (annual/hourly).
- Pick pay frequency (bi-weekly/monthly).
- Select state + filing status.
- Add 401(k)/HSA amounts.
- Hit calculate—see net pay instantly.
Real Examples with 2026 Rates
Example 1: $80K Single Filer, Bi-Weekly Pay
| Scenario | Gross/Bi-Weekly | Federal | State | FICA | Net/Bi-Weekly | Annual Net |
|---|---|---|---|---|---|---|
| California (13.3% top) | $3,077 | $376 | $285 | $235 | $2,181 | $56,700 |
| Texas (0% state tax) | $3,077 | $376 | $0 | $235 | $2,466 | $64,100 |
Savings: $7,400/year just from no state tax.
Example 2: $120K Married w/ 2 Kids, Monthly + 401(k)
| Scenario | Gross/Month | Federal | State | FICA | 401(k) | Net/Month |
|---|---|---|---|---|---|---|
| New York | $10,000 | $1,400 | $750 | $765 | $2,000 | $5,085 |
| Florida | $10,000 | $1,400 | $0 | $765 | $2,000 | $5,835 |
Annual boost: $9,000 net pay.
Example 3: Hourly Worker $25/hr, 40hrs/week
Weekly gross $1,000 nets $810 in Nevada vs $760 in Oregon (9% state tax).
States with No Income Tax (Biggest Wins)
- Florida/Texas: Popular for remote workers.
- Nevada/Tennessee: Low property taxes too.
- Washington: High sales tax (10%+), but no income tax.
Moving mid-year? Prorate based on residency days.
Common Paycheck Mistakes to Avoid
- Forgetting FICA self-employment tax (15.3% if 1099).
- Missing state reciprocity rules (e.g., IL-IN commuters).
- Overlooking mid-year moves or bonus taxes.
- Ignoring 401(k) limits or HSA eligibility.
How MyRelocationSavings.com Paycheck Calculator Helps
Enter your details in seconds for precise 2026 net pay across all 50 states. Pair with our Cost of Living tool for full relocation math.
You input:
- Gross income, pay frequency, state(s).
- Filing status, dependents.
- Pre-tax deductions (401(k), HSA).
You get:
- Detailed breakdown (federal/state/FICA).
- Annual/monthly take-home.
- Side-by-side state comparisons.
- Exportable results.
Perfect for job offers or move planning. Not tax advice—based on public IRS/state data. Verify with a CPA for your situation.