This free paycheck calculator converts a US salary or hourly rate into weekly, biweekly, semi-monthly, and monthly amounts, then estimates take-home pay. It applies the 2026 federal income tax brackets after the standard deduction for all four filing statuses, Social Security up to the wage-base cap, Medicare with the additional surtax, and a state income tax model covering all 50 states plus DC. You can also add pre-tax deductions — 401(k) contributions, health insurance premiums, and HSA/FSA contributions — and see them split correctly against income tax and FICA.
Last updated: July 2026 · Tax year: 2026
How to use this paycheck calculator
- Pick pay typeChoose annual salary or hourly rate.
- Enter your payAdd salary, or rate and hours per week.
- Choose status and statePick a filing status and your state.
- Add pre-tax deductionsEnter 401(k), health premiums, HSA/FSA.
- Pick pay frequencyWeekly, biweekly, semi-monthly, or monthly.
- Read the breakdownSee taxes and net pay per paycheck.
The math behind it
Federal tax uses 2026 brackets on income after the standard deduction ($16,100 single, $32,200 married filing jointly, $16,100 married filing separately, $24,150 head of household). Social Security is 6.2% of wages up to the $184,500 wage base. Medicare is 1.45%, plus a 0.9% Additional Medicare Tax over $200,000 for single filers, $250,000 for married filing jointly, and $125,000 for married filing separately. Take-home = gross − pre-tax deductions − federal tax − FICA − state tax.
Pre-tax deductions are split the way payroll does. 401(k) deferrals skip federal income tax but not FICA. Section 125 health premiums and HSA/FSA contributions skip both federal income tax and FICA. State tax uses each state's 2026 brackets or flat rate; states modeled with an effective-rate approximation are flagged as approximate in the results.
Example: A $75,000 salary for a single filer in Texas with no deductions owes about $7,670 in federal tax, $4,650 in Social Security, and $1,087.50 in Medicare, leaving about $61,592.50 per year, or roughly $2,369 per biweekly paycheck.
Sample biweekly take-home by salary (single, no state income tax)
| Annual salary | Estimated biweekly take-home |
|---|---|
| $40,000 | about $1,320 |
| $60,000 | about $1,938 |
| $75,000 | about $2,369 |
| $100,000 | about $3,045 |
| $125,000 | about $3,719 |
| $150,000 | about $4,377 |
| $200,000 | about $5,728 |
US pay schedules people ask about
Weekly means 52 paychecks per year, biweekly means 26, semi-monthly means 24, and monthly means 12.
Biweekly and semi-monthly are not the same. Biweekly paydays shift through the calendar; semi-monthly lands on fixed dates like the 15th and last day.
FICA combines 6.2% Social Security and 1.45% Medicare. This tool applies the $184,500 Social Security wage-base cap and the 0.9% Additional Medicare Tax over the statutory thresholds, so high earners see a smaller effective FICA bite.
401(k) contributions and health premiums change your paycheck too, and this tool models them: enter a 401(k) percent or annual amount plus health, HSA, or FSA contributions to see the tax savings and the lower net pay side by side.
Frequently asked questions
How much is a $75,000 salary per biweekly paycheck after taxes?
For a single filer in a state with no income tax, roughly $2,369 per biweekly paycheck using 2026 federal brackets, Social Security, and Medicare.
How do I convert hourly pay to salary?
Multiply your hourly rate by hours per week, then by 52. For example, $30 per hour at 40 hours is $62,400 per year.
What is the difference between biweekly and semi-monthly pay?
Biweekly is every two weeks, 26 paychecks per year. Semi-monthly is twice a month, 24 paychecks per year.
Does this paycheck calculator include state taxes?
Yes. It covers all 50 states plus DC, with full bracket or flat-rate models for the 20 largest states and clearly flagged approximations elsewhere. Local and city income taxes are still excluded.
Is this take-home estimate exact?
No. It is a planning estimate that excludes local and city taxes, tax credits, W-4 adjustments, and supplemental wage rates. Your actual withholding depends on your W-4 and payroll setup.
What changed for 2026?
The standard deduction rose to $16,100 for single filers and $32,200 for married filing jointly under the One Big Beautiful Bill Act inflation adjustment, and the Social Security wage base rose to $184,500.
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Sources: IRS Rev. Proc. 2025-32 for 2026 federal figures, the SSA wage base for Social Security, and Tax Foundation 2026 state rates for state income tax.