Payroll Calculator: Estimate Take Home Pay
See what a paycheck actually delivers after federal tax, Social Security, Medicare, and state tax. Four inputs, no personal information.
Reviewed by Guido Trevisan, Licensed Property & Casualty Insurance BrokerUpdated July 20, 2026
Estimates assume one job with a default W-4, the 2026 federal brackets and standard deduction, and published 2026 state rates.
Estimated take home pay
$1,691
per paycheck · $43,962 per year
Effective tax rate: 15.5%
Where each dollar goes
Share of gross pay by destination
Estimates for a single job with a default W-4. Local taxes, itemized deductions, tax credits, bonuses, and garnishments are not modeled. Federal figures are final for 2026, some state rates can adjust mid year. Not tax advice.
Payroll is also your workers' comp premium basis
Workers' compensation premiums are rated per $100 of payroll. If you run a business, the same payroll number drives your comp cost.
Estimate your workers' comp premiumHow this calculator works
The calculator annualizes your gross pay, subtracts your pre tax retirement contribution and the 2026 federal standard deduction, and runs the result through the 2026 federal brackets. Social Security applies at 6.2% up to the $184,500 wage base and Medicare at 1.45% plus 0.9% above $200,000. State tax uses each state's published 2026 rates and standard deduction, and employee paid disability or family leave programs are included for California, New York, Washington, and New Jersey. Everything is divided back into your pay period.
Local income taxes are not included. NYC, Yonkers, Pennsylvania municipalities, Ohio cities, and Maryland counties add a local tax on top.
FAQ
How much tax is taken out of a $1,000 paycheck?
For a single filer paid weekly with no state tax, roughly $170 to $200 combined federal income tax, Social Security, and Medicare, leaving about $800 to $830. State tax lowers it further in most states.
What percentage of my paycheck goes to taxes?
Most workers land between 15% and 30% all in. The share rises with income because federal brackets are progressive, and it varies by state from zero state tax in nine states to over 10% top rates in California.
Why is my take home pay different from this estimate?
Your W-4 choices, benefits like health premiums, local taxes, and extra withholding all change the check. This tool models the standard case of one job with a default W-4.
Which states have no income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming take nothing from wages. Washington does fund a paid leave program through a small payroll deduction.
By state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- District of Columbia
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