Finance Tool
Paycheck Salary Calculator
Estimate how much of a job offer or raise may actually land in your bank account after federal income tax, payroll taxes, and a simplified state tax estimate. You can also convert hourly pay to weekly, monthly, and yearly salary.
Paycheck and Salary Calculator
Estimate take-home pay from salary or convert hourly pay into weekly, monthly, and annual income.
Federal taxable income
$53,900
Standard deduction
$16,100
Gross per paycheck
$2,692.31
Effective tax rate
17.0%
Guide
How to estimate take-home pay
Use this paycheck salary calculator to estimate the difference between gross salary and take-home pay. It combines 2026 federal tax brackets, the standard deduction, Social Security, Medicare, and a simplified state income tax estimate so you can compare job offers, raises, and pay frequencies more realistically.
- 1
Enter annual salary
Type the gross annual salary from a job offer, raise, or current paycheck before taxes and deductions.
- 2
Choose filing status and state
Select your federal filing status and state to estimate federal income tax and a simplified state income tax amount.
- 3
Pick pay frequency
Choose weekly, biweekly, semi-monthly, or monthly pay to see the estimated net amount per paycheck.
- 4
Compare hourly pay
Switch to the hourly tab to convert an hourly rate into weekly, biweekly, monthly, and annual gross pay.
Important paycheck estimate notes
- Your gross salary is not the same as your take-home pay because federal income tax, payroll taxes, and state taxes reduce each paycheck.
- Social Security tax applies only up to the annual wage base, while Medicare tax generally applies to all wages.
- State income tax varies widely; Texas, Florida, Nevada, South Dakota, Tennessee, Wyoming, and Alaska have no state wage income tax.
- Pre-tax benefits, retirement contributions, dependents, credits, local taxes, bonuses, and exact W-4 withholding can change your real paycheck.
- Use the estimate for planning and comparison, not as tax, payroll, or legal advice.
Frequently asked questions
Why is my take-home pay lower than my salary?
Salary is gross pay before deductions. Take-home pay is what remains after federal income tax, Social Security, Medicare, state tax, and any employer benefit or retirement deductions.
Does this calculator use 2026 federal tax brackets?
Yes. The federal income tax estimate uses 2026 tax brackets and standard deduction amounts, then estimates Social Security and Medicare payroll taxes separately.
How accurate is the state tax estimate?
State tax is simplified for fast comparison. It does not include every state deduction, credit, county tax, city tax, reciprocity rule, or exact withholding form.
Can I convert hourly pay to salary?
Yes. Use the hourly tab to enter hourly rate, hours per week, and weeks per year. The calculator shows weekly, biweekly, monthly, and yearly gross pay.