See what lands in your account each payday after federal income tax, Social Security, Medicare, and state and local taxes. Weekly by default, every pay schedule supported.
2026 tax year, verified Sources
Estimated take-home this week
$969.04
from $1,153.85 gross. You keep 84%.
2026 tax year, rules last verified November 12, 2026. An estimate, not tax advice. How we calculate
Each extra dollar you earn loses about 20¢ to taxes, but across all your pay the average is 16¢. A raise never lowers your take-home: only the dollars above a bracket line pay the higher rate.
| Annual pay | Effective | Marginal |
|---|---|---|
| $15,000 | 7.6% | 7.6% |
| $30,000 | 12.4% | 19.7% |
| $45,000 | 14.8% | 19.7% |
| $60,000 | 16.0% | 19.7% |
| $75,000 | 17.9% | 29.6% |
| $90,000 | 19.8% | 29.6% |
| $105,000 | 21.2% | 29.6% |
| $120,000 | 22.3% | 29.6% |
| $135,000 | 23.3% | 31.6% |
| $150,000 | 24.1% | 31.6% |
Same pay, W-4 and benefits; each state’s default withholding answers, no local taxes. Take-home per week:
A real 2026 example: $1,000 a week, single, standard W-4, no benefits, working in Texas (no state income tax). Every number below comes from the same engine as the calculator.
$1,000 × 52 weeks = $52,000 a year.
With the Step 2 box unchecked, the IRS worksheet subtracts $8,600 for single filers: $43,400.
$1,240 + 12% of the amount over $19,900 = $4,060 a year, or $78.08 a week.
6.2% = $62.00 and 1.45% = $14.50, flat, with no W-4 adjustments.
$845.42 a week, 84.5% of gross pay.
A $60,000 salary in Texas, single filer. Withholding is annualized, so yearly take-home is essentially the same however often you are paid; only the size of each check changes.
| Schedule | Checks | Gross | Take-home |
|---|---|---|---|
| Weekly | 52 | $1,153.85 | $969.04 |
| Every two weeks | 26 | $2,307.69 | $1,938.07 |
| Twice a month | 24 | $2,500.00 | $2,099.58 |
| Monthly | 12 | $5,000.00 | $4,199.17 |
Paid every Friday? You get 52 paychecks in 2026, and 4 months have five of them:January, May, July and October. Budget on four checks a month and the fifth becomes savings.
On a biweekly schedule that starts the first Friday of the year, January and July bring three paychecks instead of two.Compare weekly and biweekly pay.
Every state page has its own withholding formula, local taxes, payroll programs and worked examples. Compare all states.
For a single filer with no other adjustments, about $845.42 in a state with no income tax such as Texas or Florida: $78.08 federal income tax, $62.00 Social Security and $14.50 Medicare. In Illinois it is about $798.70, and in California about $807.91 after state tax and SDI.
Your employer annualizes the check (×52), subtracts a standard withholding adjustment and any W-4 deductions, applies the IRS percentage-method table for your filing status, divides by 52 and subtracts your dependent credits. Social Security (6.2%) and Medicare (1.45%) are flat. Your state then applies its own formula. The methodology page shows every step.
No. Withholding is annualized, so the same salary produces nearly identical yearly withholding on any schedule. On a $60,000 salary in Texas, weekly checks add up to $50,390.08 a year and biweekly checks to $50,389.82; the difference is only rounding.
No. Withholding is a prepayment that your employer estimates one check at a time. Your actual tax is settled on your return, where credits, other income and deductions can produce a refund or a balance due.
Not on your paycheck. A federal deduction for 2025 through 2028 lets eligible workers deduct up to $12,500 of the overtime premium ($25,000 for joint filers) on their tax return, but Social Security, Medicare and most state taxes still apply, and employers keep withholding normally unless you adjust your W-4. See the overtime deduction guide.
It implements the IRS Publication 15-T percentage method and each state’s published 2026 withholding formula, with year-to-date caps. Rules were last checked on November 12, 2026. Your employer’s rounding, benefit plans and local rules can still make your real check differ by a few dollars.
Federal rules for 2026, last verified November 12, 2026. State sources are listed on each state page.
