Paycheck Calculator

Pick your state below to calculate your exact take-home pay for 2026, including federal tax, state tax, and FICA. Each state calculator accounts for that state's specific tax rules — not a generic one-size-fits-all estimate. Also called a salary, payroll, or wage calculator by state.

TX

Texas

No state income tax
CA

California

9 brackets + SDI
NY

New York

9 brackets + NYC tax
FL

Florida

No state income tax
PA

Pennsylvania

Flat 3.07% + local EIT
WA

Washington

No state income tax
NV

Nevada

No state income tax
TN

Tennessee

No state income tax
IL

Illinois

Flat 4.95%
GA

Georgia

Flat 4.99%
NC

North Carolina

Flat 3.99%
MI

Michigan

Flat 4.25% + city tax
AZ

Arizona

Flat 2.5%
NJ

New Jersey

7 brackets, up to 10.75%
VA

Virginia

4 brackets, up to 5.75%
MA

Massachusetts

Flat 5% + surtax
CO

Colorado

Flat 4.40%
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More states

Coming soon

How a paycheck calculator works

Every U.S. paycheck starts with your gross pay and works down through several layers of deductions before you reach your take-home amount. Federal income tax and FICA (Social Security and Medicare) apply no matter where you live. On top of that, most states add their own income tax — and some states, like Pennsylvania and New York, add local taxes on top of that. Selecting your state above gives you a calculator that models the exact rules for where you live, rather than a generic national average.

Frequently asked questions

Nine states have no state income tax: Texas, Florida, Nevada, Washington, Wyoming, South Dakota, Alaska, Tennessee, and New Hampshire (which only taxes limited investment income, being phased out). CalculatorLuv currently covers Texas, Florida, Nevada, Washington, and Tennessee, with the rest on the way.
It's a close estimate based on 2026 published federal and state tax figures, using the standard deduction and the most common assumptions. It doesn't account for every possible credit, deduction, or life situation — for an exact number, check your actual pay stub or consult a tax professional.
No — this calculator assumes a standard Form W-4 for a single job with no dependents, tax credits, or additional withholding requested. If you claim dependents (which reduces withholding through the Child Tax Credit), work more than one job, or asked your employer to withhold extra, your actual paycheck will be different from this estimate. We're planning to add these as inputs in a future update.