Sponsored
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This slot stays under the estimate. It is not a recommendation, and the paycheck above does not depend on it. No offer is sold here yet.
Tax year 2026
See what you actually take home.
Federal, Social Security, Medicare, state, and the city or county tax most calculators skip. Every line is named. The estimate runs in this browser. Nothing you type is uploaded.
Loading the 2026 calculator…
How to read the stub
Gross pay comes first. Pre-tax deductions come off next, and they do not all affect the same wage. A traditional 401(k) lowers income tax. It does not lower Social Security or Medicare. An HSA or a Section 125 health premium usually lowers both.
Then the withholdings, each named: federal income tax, Social Security, Medicare, Additional Medicare if wages clear the filing-status threshold, state income tax, state payroll programs such as California SDI, and local tax only when you selected a place. Net is what remains. The year column is that paycheck times the number of checks, so the stub adds up.
The sample stub is a real $85,000 single calculation, labeled as a sample until you enter your own pay. How the rates were chosen.
Questions
Does this send my salary to a server?
No. The rate tables download once. The math runs in your browser. A shared link stores the inputs in the address bar, which you control.
Why is local tax sometimes zero?
It is added only when you pick a city or county, or type a custom percent. New York City is not applied to the rest of New York.
Does a traditional 401(k) reduce Social Security tax?
No. It reduces income-tax wages in the federal calculation and in most states. Social Security and Medicare wages stay the same. HSA contributions and many health premiums do reduce FICA wages.
Is this my exact paycheck?
No. It is an annualized educational estimate for 2026. Employers use payroll tables, benefit codes, and local rules this model only partly covers.
Which tax year is this?
2026. Federal figures follow Rev. Proc. 2025-32. The Social Security wage base is $184,500.
Partner
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A partner card would be labeled like this and would not sit between the salary field and the net number. There is no email gate.