Enter your pay
Type your salary or hourly rate and how often you are paid.
WAVESPEED AI TAKE-HOME PAY CALCULATOR Works in your browser
100% FREE
Free Take-Home Pay CalculatorWhat lands in your account after tax.
Enter your salary or hourly pay, filing status and state to estimate your take-home pay per paycheck and per year with the 2026 tax tables.
Add 401(k) contributions, pre-tax benefits and dependents, or switch to the UK for PAYE income tax, National Insurance, pension and student loans.
2026 tablesAll 50 statesPer paycheck
No sign-up Unlimited use Remembers your numbers
Your pay
52 if holidays are paid.
Days a year you are not paid for.
Overtime
Taxes (2026)
For the child tax credit.
401(k), benefits and local tax
Traditional, % of pay.
Health, dental, HSA through payroll.
City or county rate on wages, if you pay one.
Show per
Take-home pay per month
Gross $5,000.00 per month · estimate for tax year 2026
- Gross pay a year
- $60,000.00
- Hourly rate
- $28.85
- Total tax a year
- $12,039.49
- Effective tax rate
- 20.1%
- Marginal tax rate
- 27% On your next $100 earned
- Take-home a year
- $47,960.51
- Take-home pay$47,960.5180%
- Federal income tax$5,020.008%
- Social Security$3,720.006%
- Medicare$870.001%
- California income tax$1,649.493%
- California SDI$780.001%
Pay for every period
| Item | Year | Month | Half month | 2 weeks | Week | Day | Hour |
|---|---|---|---|---|---|---|---|
| Gross pay | $60,000.00 | $5,000.00 | $2,500.00 | $2,307.69 | $1,153.85 | $230.77 | $28.85 |
| Federal income tax | -$5,020.00 | -$418.33 | -$209.17 | -$193.08 | -$96.54 | -$19.31 | -$2.41 |
| Social Security | -$3,720.00 | -$310.00 | -$155.00 | -$143.08 | -$71.54 | -$14.31 | -$1.79 |
| Medicare | -$870.00 | -$72.50 | -$36.25 | -$33.46 | -$16.73 | -$3.35 | -$0.42 |
| California income tax | -$1,649.49 | -$137.46 | -$68.73 | -$63.44 | -$31.72 | -$6.34 | -$0.79 |
| California SDI | -$780.00 | -$65.00 | -$32.50 | -$30.00 | -$15.00 | -$3.00 | -$0.38 |
| Take-home pay | $47,960.51 | $3,996.71 | $1,998.35 | $1,844.64 | $922.32 | $184.46 | $23.06 |
Estimate for tax year 2026, one earner, standard deduction. It leaves out itemized deductions, other income, state credits and some local taxes.
Sources: IRS Rev. Proc. 2025-32 (2026 federal tables), Social Security Administration (2026 wage base), Tax Foundation 2026 state income tax table.
Calculated on your device. What you type is not sent anywhere.
THREE SIMPLE STEPS
How to use the Take-Home Pay Calculator
Add your tax details
Choose filing status, state, dependents and pre-tax deductions, or the UK options.
See your paycheck
Read take-home pay per period and every tax line, with effective and marginal rates.
WaveSpeed AI
Making content for your career or business?
Once the numbers add up, WaveSpeed AI turns a short prompt into images, videos and 3D models.
Image Generator
Make a professional headshot, a banner for a job post or a slide graphic.
Video Generator
Turn a photo into a short video for a portfolio or a hiring post.
3D Generator
Turn a picture into a 3D model.
- 1,000+ AI models
- Image, video and 3D
- Pay as you go
$1 in free credits for eligible new accounts. No card needed. Generators have separate account and credit requirements. The salary calculator is free.
/filters:quality(82)/media/images/1791123751656780930_IfFPY7R0.webp){kind=small}
/filters:quality(82)/media/images/1791123737177812425_RjKT3cku.webp){kind=small}
/filters:quality(82)/media/images/1791123748309870128_xlkNgK8N.webp){kind=small}
/filters:quality(82)/media/images/1791123738630744263_oR09R0aj.webp){kind=small}
/filters:quality(82)/media/images/1791177033162457776_uQ09OY7g.webp){kind=small}
/filters:quality(82)/media/images/1791123734319125607_JdnwGPY7.webp){kind=small}
/filters:quality(82)/media/images/1791123746355630206_udnxGPY7.webp){kind=small}
/filters:quality(82)/media/images/1791123744771362580_yC0sPezZ.webp){kind=small}
/filters:quality(82)/media/images/1791123738606970169_5KIR1ais.webp){kind=small}
/filters:quality(82)/media/images/1791123748197655725_EUmuFNW6.webp){kind=small}
Take-Home Pay Calculator FAQ
How is take-home pay calculated?
Gross pay minus federal income tax, Social Security (6.2%), Medicare (1.45%), state and local income tax, and pre-tax deductions like a 401(k) or health insurance.
Does it cover every state?
Yes, all 50 states and DC with their 2026 brackets, deductions and exemptions, including states with no income tax.
Why is my paycheck slightly different?
Employers withhold each pay period with their own tables, and your W-4, benefits and local taxes vary. The calculator gives a close yearly estimate.
Does it work for UK salaries?
Yes. Choose the UK for 2026/27 income tax, Scottish rates, National Insurance, pension and student loan repayments.
Is my data private?
Yes. Everything is calculated in your browser and nothing you type is sent anywhere.
More free tools like this
All Free Tools
Free Take-Home Pay Calculator
2026 tables · All 50 states · Per paycheck