US Paycheck Calculator 2026: take-home pay by state

Your paycheck shrinks in three layers: federal income tax, Social Security and Medicare (together called FICA), and state tax. The first two are the same in every state. The third ranges from nothing in Texas and Florida to several thousand dollars a year in New York and California. This guide shows take-home pay for 2026 at five salaries in the ten most populous states. Every number in the tables was worked out by our US paycheck calculator, using the same code you can run with your own pay.

Take-home pay in 2026 by state

The table assumes a single filer paid every two weeks, with no 401(k), no pre-tax health premiums and no other income. It uses the standard deduction and lives outside New York City. Figures are yearly take-home pay, rounded to the dollar.

State	$40,000	$60,000	$80,000	$100,000	$150,000
California	$33,217	$47,970	$60,875	$72,825	$102,136
Florida	$34,320	$50,390	$65,110	$79,180	$113,791
Georgia	$33,073	$48,145	$61,867	$74,939	$107,055
Illinois	$32,485	$47,565	$61,295	$74,375	$106,511
Michigan	$32,871	$48,091	$61,961	$75,181	$107,667
New York	$32,553	$47,456	$61,010	$73,876	$105,057
North Carolina	$33,233	$48,505	$62,427	$75,699	$108,315
Ohio	$33,670	$49,184	$63,354	$76,867	$110,103
Pennsylvania	$33,064	$48,506	$62,598	$76,040	$109,081
Texas	$34,320	$50,390	$65,110	$79,180	$113,791

A few patterns stand out. Flat-tax states (Illinois, Pennsylvania, Michigan, North Carolina and Georgia) take a similar share at every income, so their order barely changes across the row. California and New York have graduated rates, so they sit in the middle at $40,000 and fall to the bottom by $150,000. Ohio taxes nothing on the first $26,050 of taxable income and 2.75% above it, which keeps it close to the no-tax states at lower salaries.

Where $60,000 goes, state by state

Here is the same $60,000 salary split into its parts. Federal tax and FICA are identical everywhere; the last four columns are what your state changes.

State	Federal income tax	Social Security and Medicare	State income tax	State payroll deductions	Take-home per year	Per paycheck (26)
California	$5,020	$4,590	$1,640	$780	$47,970	$1,845.02
Florida	$5,020	$4,590	$0	$0	$50,390	$1,938.08
Georgia	$5,020	$4,590	$2,246	$0	$48,145	$1,851.71
Illinois	$5,020	$4,590	$2,825	$0	$47,565	$1,829.41
Michigan	$5,020	$4,590	$2,299	$0	$48,091	$1,849.64
New York	$5,020	$4,590	$2,643	$290	$47,456	$1,825.24
North Carolina	$5,020	$4,590	$1,885	$0	$48,505	$1,865.57
Ohio	$5,020	$4,590	$1,207	$0	$49,184	$1,891.67
Pennsylvania	$5,020	$4,590	$1,842	$42	$48,506	$1,865.62
Texas	$5,020	$4,590	$0	$0	$50,390	$1,938.08

“State payroll deductions” are the small state programmes that come out of your pay on top of income tax. California charges 1.3% for State Disability Insurance on all wages. New York charges 0.432% for Paid Family Leave (capped at $411.91 a year) plus up to 60 cents a week for disability benefits. Pennsylvania takes 0.07% for unemployment insurance. The other states in the table have no employee payroll tax of this kind.

How the federal part is worked out

For 2026 the IRS standard deduction is $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household. Income above that is taxed in bands: 10% on the first $12,400 of taxable income (single), 12% up to $50,400, 22% up to $105,700, then 24%, 32%, 35% and 37% at the top. For married couples filing jointly, every threshold up to the start of the 35% band is exactly double the single one.

Take the $60,000 single filer. Taxable income is $60,000 − $16,100 = $43,900. The tax is 10% of $12,400 ($1,240) plus 12% of the remaining $31,500 ($3,780), so $5,020 for the year. That is $193.08 per paycheck over 26 paychecks. This matches what an employer withholds for a 2020 or later Form W-4 with no adjustments. IRS Publication 15-T’s tables are built so the yearly withholding equals this calculation.

Social Security is 6.2% of wages up to $184,500 in 2026, and Medicare is 1.45% of all wages. Above $200,000 of wages, your employer also withholds the 0.9% Additional Medicare Tax. A single filer on $250,000 pays $450 of it. Married couples owe it only above $250,000 of combined wages, which is settled on the tax return.

Why the same salary pays a different state tax

• California has nine income tax bands from 1% to 12.3%, plus 1% on taxable income over $1 million. The state’s tax board has not yet published its 2026 brackets (they normally appear late in the year), so the calculator uses the 2025 schedules. The state’s own 2026 withholding tables use the same 2025 amounts. Expect the final 2026 figures to be slightly lower.
• New York cut its first five rates for 2026, to between 3.9% and 5.9%. Above $107,650 of income, New York gradually takes back the benefit of the lower bands. That is why the New York column falls faster than the others at $150,000. New York City residents pay city tax on top. At $100,000 that adds $3,441 a year, so take-home falls from $73,876 to $70,435.
• Pennsylvania charges a flat 3.07% with no standard deduction. It also taxes your 401(k) contributions, which most other states do not.
• Illinois charges a flat 4.95% after a $2,925 exemption per person. Michigan charges 4.25% after a $5,900 exemption. North Carolina charges 3.99% after a $12,750 standard deduction (single). Georgia cut its rate to 4.99% for 2026 and raised its standard deduction to $15,000 (single).
• Ohio applies 2.75% above $26,050 of taxable income for 2026 under its 2025 budget law (H.B. 96). The tax department’s rate page has not yet been updated for 2026. The calculator uses the 2026 schedule described in the legislature’s analysis of that law, so treat the Ohio column as provisional.

Local income taxes are not in the tables. Ohio cities, Pennsylvania municipalities and school districts, Detroit and other Michigan cities, and New York City all add their own. The paycheck calculator has a local tax field for this, and a New York City switch.

What changes your own number

Filing status. A married couple with one $60,000 income in Texas keeps $52,570, about $2,180 more than a single filer. The larger standard deduction and wider bands do the work.

Pre-tax 401(k) contributions. Money you put into a traditional 401(k) comes off your taxable wages before federal and most state income tax, but not before Social Security and Medicare. A single filer in Georgia on $80,000 who contributes 6% puts $4,800 a year into the plan, yet take-home falls by only $3,504. Taxes cover the other $1,296. Use the 401(k) calculator to see what that money could grow to, including your employer’s match. In 2026 you can defer up to $24,500, plus $8,000 if you are 50 or older, or $11,250 if you are 60 to 63.

Pre-tax health premiums. Premiums paid through a Section 125 cafeteria plan also lower Social Security and Medicare, so each dollar saves a little more tax than a 401(k) dollar.

Pay frequency. It changes the size of each paycheck, not the yearly total. $60,000 in Texas is $969.04 a week, $1,938.08 every two weeks, $2,099.58 twice a month or $4,199.17 a month. If you are paid by the hour, the hourly to annual calculator converts your rate first.

How these numbers were made

Each figure is the yearly tax liability for 2026, spread evenly over the year’s paychecks. It assumes the standard deduction, no other income and no credits. The federal tables, FICA rates and state figures come from the government sources listed below, accessed on 3 October 2026. You can reproduce the tables yourself: they are printed by a script that calls the calculator’s engine. Your actual paycheck can differ by a few dollars because of employer rounding, bonuses, local taxes and benefits. Your yearly tax can also differ if you have other income, itemised deductions or credits such as the child tax credit.

To plan beyond a single paycheck, the retirement savings calculator shows whether your savings rate will get you to the income you want. If you simply want to subtract known deductions from a gross salary, the take-home pay calculator does that in any currency.