HourlyTaxCalculator.com
2026 IRS Rates
✓ Updated for OBBBA - Public Law 119-21

2026 Paycheck Calculator

Bracket-based estimate using confirmed 2026 IRS rates. Enter your pay - see federal income tax, Social Security, Medicare, and your take-home in seconds.

🔒 No data stored ⚡ Instant results 📊 Real 2026 brackets ✓ FICA verified
Std Deduction (Single)
$16,100
2026 tax year
SS Wage Base
$184,500
6.2% employee rate
Std Deduction (MFJ)
$32,200
Married filing jointly
Top Federal Rate
37%
Over $626,350 single

🧮 Federal Only Paycheck Calculator

ℹ️
What this includes: Federal income tax + Social Security (6.2%) + Medicare (1.45%). Select a state page above for state tax.
Pay Type
Your Take Home Pay
$0.00
per period
DescriptionPer Paycheck
💵 Gross Pay -
🏛 Federal Income Tax -
🔒 Social Security (6.2%) -
🏥 Medicare (1.45%) -
🗺 State Income Tax -
Total Deductions -
✅ Net Take Home Pay -

⚠️ Bracket-based estimate only. Does not include W-4 adjustments, pre-tax deductions (401k, HSA, health insurance), local/municipal taxes, or year-to-date limits. Consult your employer or a tax professional for exact withholding amounts.

🆕 New for 2026: OBBBA Specialty Calculators

The One Big Beautiful Bill (Public Law 119-21) introduced major new tax breaks. We built dedicated calculators for each one.

⏰
No Tax on Overtime
Deduct up to $12,500 of overtime premium. Section 70202.
💰
No Tax on Tips
First $25,000 in tips excluded from federal tax.
💼
Bonus Tax Calculator
22% flat vs. Aggregate method explained.
🏥
Travel Nurse Guide
Debunks 50-mile rule. Taxable vs. stipends.
👴
Senior Deduction ($6,000)
Ages 65+ triple-stack: up to $24,150 tax-free.
🏠
SALT Cap ($40,400)
CA, NY, NJ, CT relief. Was $10k - now $40,400.
2026 hourly tax calculator dashboard showing federal income tax, Social Security, and Medicare...
Bracket-based 2026 paycheck estimate. Updated for OBBBA Public Law 119-21.

About the Federal Only Paycheck Calculator

This free paycheck calculator gives you an instant bracket-based estimate of your federal take-home pay. Enter your hourly rate or annual salary, choose your pay frequency and filing status, and see a complete breakdown of every federal deduction in seconds.

This calculator covers federal income tax (using 2026 IRS brackets), Social Security (6.2%, wage base $184,500), and Medicare (1.45%). State income tax is not included on this page - use the state-specific calculator links in the navigation above for a state-tax-inclusive estimate.

All calculations are bracket-based estimates. Results do not account for W-4 adjustments, pre-tax deductions (401k, HSA, health insurance), or local taxes. For exact withholding, consult your employer's HR or payroll department.

📚 Sources & Last Updated

Last updated: April 2026 · Tax year: 2026

How the Tax Formula Works

This calculator uses a bracket-based approach - the same method used to compute annual tax liability - divided by your pay periods. It is an estimate, not a payroll withholding calculation (which uses W-4 inputs and IRS Publication 15-T procedures).

1Gross Pay = Hourly Rate × Hours OR Annual Salary ÷ Pay Periods
2Federal Taxable Income = Annual Gross − Standard Deduction (2025: $16,100 single / $32,200 married)
3Federal Income Tax = Apply 2026 IRS brackets (10%→37%) ÷ pay periods
4Social Security = Gross × 6.2% (stops at $184,500 annual wages)
5Medicare = Gross × 1.45% (+0.9% on wages over $200K single)
6Federal income tax only (no state tax) - select a state page for state-inclusive results
7Net Take Home = Gross − Fed Tax − SS − Medicare − State Tax

Results are bracket-based estimates. Actual paycheck withholding is determined by your W-4 form, pre-tax deductions, and employer payroll procedures. Use these results for planning and budgeting - not as a substitute for your actual pay stub.

Frequently Asked Questions - Federal Only Paycheck Calculator

This calculator estimates federal income tax using 2026 IRS tax brackets, Social Security at 6.2% (up to the $184,500 wage base), and Medicare at 1.45%. It does not include state income tax - use our state-specific pages for that. It also does not model W-4 adjustments, pre-tax 401(k) contributions, health insurance deductions, or local taxes.
This is a bracket-based estimate - not an exact payroll calculation. Actual withholding is determined by your W-4 form, which accounts for additional withholding, deductions, and credits. Use this calculator to get a realistic ballpark of your take-home pay, then verify exact amounts with your HR department.
For 2026, the standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $22,500 for head of household. This deduction reduces your federally taxable income. Note that Social Security and Medicare (FICA) taxes apply to your full gross wages - not the reduced taxable amount.
Social Security tax is 6.2% of gross wages up to the 2025 wage base of $184,500. Once your wages exceed that threshold for the year, Social Security withholding stops. Both you and your employer each pay 6.2%, totaling 12.4% combined.
Medicare tax is 1.45% of all gross wages with no cap. High earners pay an additional 0.9% Additional Medicare Tax on wages over $200,000 (single filers) or $250,000 (married filing jointly). Unlike Social Security, Medicare has no annual wage base limit.
Click the 'Annual Salary' toggle, enter your full annual salary before deductions, select your pay frequency (biweekly is most common), and choose your filing status. The calculator divides your annual salary by the number of pay periods and applies 2025 federal tax brackets to show your per-paycheck breakdown.
Several factors can cause differences: your W-4 withholding elections, pre-tax deductions like 401(k) or health insurance, year-to-date earnings affecting Social Security limits, employer-specific payroll adjustments, and state or local taxes not included in this calculator. Think of this as a planning estimate, not a payroll statement.
As of 2025, nine states have no individual income tax on wages: Texas, Florida, Nevada, Washington, Wyoming, South Dakota, Alaska, Tennessee, and New Hampshire. If you work in one of these states, your take-home pay equals this federal-only estimate (minus any applicable local taxes).

Related Paycheck Calculators

📊Texas Paycheck Calculator 🏠Florida Paycheck Calculator 💼California Paycheck Calculator 📈Alabama Paycheck Calculator ⏰Overtime Pay Calculator 💰Take Home Pay Calculator

Popular Salary & Hourly Examples

Use these direct-entry pages to compare common income levels without re-entering the same numbers every time.

💵$18 an hour after tax 📊$25 an hour after tax 💼$50,000 salary after tax 📈$60,000 salary after tax 🏠$75,000 salary after tax ⚡$80,000 salary after tax

More 2026 Tax Tools

Part-Time Hourly Tax Calculator → Self-Employed Tax Calculator → Hourly to Salary Converter → State Income Tax Comparison → Bonus Tax Rate Guide →

Calculate take-home pay by state

State income tax varies significantly across the US. Use the state-specific 2026 paycheck calculator for your work state to get exact take-home pay including federal tax, state tax, Social Security, Medicare, and OBBBA overtime deduction.

No state income tax (highest take-home):

Workers in Florida, Texas, and Washington pay no state income tax, keeping the highest percentage of their gross pay.

Flat-rate state income tax:

Arizona (2.5%), Colorado (4.4%), Georgia (5.39%), Massachusetts (5%), Michigan (4.25%), North Carolina (4.25%), and Pennsylvania (3.07%) charge one flat rate regardless of income.

Progressive bracket states:

Alabama (2%-5%), California (1%-13.3%), Connecticut (3%-6.99%), New York (4%-10.9%), Ohio (2.75%-3.5%), and Virginia (2%-5.75%) use graduated bracket systems where higher earnings face higher rates.

📋 Our Research Team - Our team of tax researchers and data analysts manually verify every formula and rate against primary sources including IRS Rev. Proc. 2025-32, SSA publications, and state Departments of Revenue. Data is audited quarterly. Report a data error.

Hourly wage & annual salary calculators

Want a quick look at take-home pay for a specific pay rate? Use the pre-built calculators below - each one is set to that rate with 2026 federal brackets, FICA, and OBBBA overtime deduction applied.

Hourly wage calculators (40-hour week, biweekly pay):

$15/hour, $18/hour, $20/hour, $22/hour, $25/hour, $28/hour, $30/hour, $32/hour, $35/hour - all 21 hourly rates from $15 to $35 are available with full 2026 tax math.

Annual salary calculators:

$35,000, $40,000, $45,000, $50,000, $55,000, $60,000, $65,000, $70,000, $75,000, and $80,000 annual salary calculators show your exact 2026 take-home pay across pay frequencies.

Specialty 2026 calculators:

Bonus tax, No Tax on Overtime (OBBBA), No Tax on Tips (OBBBA), Travel nurse paycheck, SALT cap, and Senior deduction calculators cover specific situations beyond standard hourly/salary pay.

Have a question about a specific calculation? Contact us or read our methodology in the About page. Legal info: Privacy, Terms.

Other 2026 paycheck resources

Healthcare workers can use our travel nurse paycheck calculator which accounts for stipends, per diem, and contract pay variations. East Coast workers in Virginia face progressive 2-5.75% state tax brackets unique to the state. Pacific Northwest workers in Washington pay no state income tax, making it one of the most tax-friendly states for high earners. Questions about any calculation? Contact us for verification or to report a data error.