# Paycheck Decoder

> Free 2026 US take-home pay estimator. It calculates federal income tax withholding (IRS Publication 15-T percentage method), Social Security, Medicare, and state and local tax for 20 states, shows every step, and runs entirely in the browser. Estimates only, not tax advice. Rules checked 12 November 2026.

## Calculators
- [Take-home pay calculator](https://paycheckdecoder.com/): salary, hourly or per-check pay, 401(k), health/HSA, overtime, W-4 steps 2–4
- [Alaska paycheck calculator](https://paycheckdecoder.com/alaska-paycheck-calculator/)
- [California paycheck calculator](https://paycheckdecoder.com/california-paycheck-calculator/)
- [Florida paycheck calculator](https://paycheckdecoder.com/florida-paycheck-calculator/)
- [Georgia paycheck calculator](https://paycheckdecoder.com/georgia-paycheck-calculator/)
- [Illinois paycheck calculator](https://paycheckdecoder.com/illinois-paycheck-calculator/)
- [Massachusetts paycheck calculator](https://paycheckdecoder.com/massachusetts-paycheck-calculator/)
- [Michigan paycheck calculator](https://paycheckdecoder.com/michigan-paycheck-calculator/)
- [Nevada paycheck calculator](https://paycheckdecoder.com/nevada-paycheck-calculator/)
- [New Hampshire paycheck calculator](https://paycheckdecoder.com/new-hampshire-paycheck-calculator/)
- [New Jersey paycheck calculator](https://paycheckdecoder.com/new-jersey-paycheck-calculator/)
- [New York paycheck calculator](https://paycheckdecoder.com/new-york-paycheck-calculator/)
- [North Carolina paycheck calculator](https://paycheckdecoder.com/north-carolina-paycheck-calculator/)
- [Ohio paycheck calculator](https://paycheckdecoder.com/ohio-paycheck-calculator/)
- [Pennsylvania paycheck calculator](https://paycheckdecoder.com/pennsylvania-paycheck-calculator/)
- [South Dakota paycheck calculator](https://paycheckdecoder.com/south-dakota-paycheck-calculator/)
- [Tennessee paycheck calculator](https://paycheckdecoder.com/tennessee-paycheck-calculator/)
- [Texas paycheck calculator](https://paycheckdecoder.com/texas-paycheck-calculator/)
- [Virginia paycheck calculator](https://paycheckdecoder.com/virginia-paycheck-calculator/)
- [Washington paycheck calculator](https://paycheckdecoder.com/washington-paycheck-calculator/)
- [Wyoming paycheck calculator](https://paycheckdecoder.com/wyoming-paycheck-calculator/)
- [Alaska hourly paycheck calculator](https://paycheckdecoder.com/alaska-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/alaska-salary-paycheck-calculator/)
- [California hourly paycheck calculator](https://paycheckdecoder.com/california-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/california-salary-paycheck-calculator/)
- [Florida hourly paycheck calculator](https://paycheckdecoder.com/florida-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/florida-salary-paycheck-calculator/)
- [Georgia hourly paycheck calculator](https://paycheckdecoder.com/georgia-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/georgia-salary-paycheck-calculator/)
- [Illinois hourly paycheck calculator](https://paycheckdecoder.com/illinois-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/illinois-salary-paycheck-calculator/)
- [Massachusetts hourly paycheck calculator](https://paycheckdecoder.com/massachusetts-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/massachusetts-salary-paycheck-calculator/)
- [Michigan hourly paycheck calculator](https://paycheckdecoder.com/michigan-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/michigan-salary-paycheck-calculator/)
- [Nevada hourly paycheck calculator](https://paycheckdecoder.com/nevada-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/nevada-salary-paycheck-calculator/)
- [New Hampshire hourly paycheck calculator](https://paycheckdecoder.com/new-hampshire-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/new-hampshire-salary-paycheck-calculator/)
- [New Jersey hourly paycheck calculator](https://paycheckdecoder.com/new-jersey-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/new-jersey-salary-paycheck-calculator/)
- [New York hourly paycheck calculator](https://paycheckdecoder.com/new-york-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/new-york-salary-paycheck-calculator/)
- [North Carolina hourly paycheck calculator](https://paycheckdecoder.com/north-carolina-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/north-carolina-salary-paycheck-calculator/)
- [Ohio hourly paycheck calculator](https://paycheckdecoder.com/ohio-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/ohio-salary-paycheck-calculator/)
- [Pennsylvania hourly paycheck calculator](https://paycheckdecoder.com/pennsylvania-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/pennsylvania-salary-paycheck-calculator/)
- [South Dakota hourly paycheck calculator](https://paycheckdecoder.com/south-dakota-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/south-dakota-salary-paycheck-calculator/)
- [Tennessee hourly paycheck calculator](https://paycheckdecoder.com/tennessee-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/tennessee-salary-paycheck-calculator/)
- [Texas hourly paycheck calculator](https://paycheckdecoder.com/texas-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/texas-salary-paycheck-calculator/)
- [Virginia hourly paycheck calculator](https://paycheckdecoder.com/virginia-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/virginia-salary-paycheck-calculator/)
- [Washington hourly paycheck calculator](https://paycheckdecoder.com/washington-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/washington-salary-paycheck-calculator/)
- [Wyoming hourly paycheck calculator](https://paycheckdecoder.com/wyoming-hourly-paycheck-calculator/) and [salary paycheck calculator](https://paycheckdecoder.com/wyoming-salary-paycheck-calculator/)
- [Take-home pay by job and state](https://paycheckdecoder.com/jobs/): 48 occupations, BLS OEWS May 2025 median wages run through 2026 tax rules
- [Bonus tax calculator](https://paycheckdecoder.com/bonus-tax-calculator/): 22% federal supplemental rate
- [Salary to hourly converter](https://paycheckdecoder.com/salary-to-hourly-calculator/)
- [2027 paycheck calculator](https://paycheckdecoder.com/2027-paycheck-calculator/): 2027 brackets (Rev. Proc. 2026-35), $192,300 Social Security wage base; preliminary until the final 2027 Pub. 15-T
- [Pay stub checker](https://paycheckdecoder.com/pay-stub-checker/): compare each line of a pay stub with the official formulas and see likely reasons for differences
- [Hourly to salary tables](https://paycheckdecoder.com/hourly/) and [salary to hourly tables](https://paycheckdecoder.com/salary/)

## Reference
- [Methodology and sources](https://paycheckdecoder.com/methodology/): formulas, rates and official sources
- [Accuracy tests](https://paycheckdecoder.com/accuracy/): our results vs worked examples published by the IRS and state tax agencies
- [Payroll tax rates by state](https://paycheckdecoder.com/payroll-tax-rates/): withholding rates, deductions, bonus rates, SDI and paid-leave contributions, 2026 and 2027
- [2027 tax brackets and standard deduction](https://paycheckdecoder.com/2027-tax-brackets/): official IRS figures (Rev. Proc. 2026-35) and preliminary 2027 withholding tables
- [FAQ](https://paycheckdecoder.com/faq/)
- [Why your paycheck doesn't match the calculator](https://paycheckdecoder.com/blog/why-paycheck-does-not-match-calculator/): The six usual reasons a paycheck calculator and your real pay stub disagree, and how to fix each one.
- [How bonuses are taxed in 2026](https://paycheckdecoder.com/blog/how-bonuses-are-taxed/): Why a bonus seems to lose so much to tax, the 22% flat federal rate, and how much you really keep.
- [The W-4 Step 2 checkbox, explained with numbers](https://paycheckdecoder.com/blog/w4-step-2-checkbox-explained/): What the two-jobs checkbox on Form W-4 does to your withholding, with a worked example.
- [What changed in paychecks for 2026](https://paycheckdecoder.com/blog/paycheck-changes-2026/): The 2026 changes that affect take-home pay: the Social Security wage base, new IRS tables and state rate changes.
- [What changes in your paycheck in 2027](https://paycheckdecoder.com/blog/paycheck-changes-2027/): The 2027 tax brackets, standard deduction and Social Security wage base, and what they mean for take-home pay.

## Key 2026 figures
- Social Security: 6.2% up to $184,500 of wages; Medicare 1.45%, plus 0.9% above $200,000
- Federal supplemental (bonus) withholding: 22% flat (37% above $1 million)
- Illinois 4.95% (allowance $2,925); Michigan 4.25% (exemption $5,900); North Carolina withholding 4.09% (standard deduction $12,750); Pennsylvania 3.07%
- Washington: Paid Family & Medical Leave 1.13% total premium (employees pay 71.43%); WA Cares 0.58%
- California: EDD Method B, 1.1%–14.63%, $168.30 credit per allowance, SDI 1.3%; New York: 3.9%–11.7% (NYC 2.05%–4.25%), PFL 0.432% (max $411.91); Ohio (from Aug 1, 2026): 1.6% / 2.99% / 3.4% after $650 per exemption; New Jersey: rate tables A/B 1.5%–11.8%; Georgia 4.99%; Virginia 2%–5.75%; Massachusetts 5% (+4% surtax over $1,107,750)

## 2027
- Standard deduction $16,600 single / $33,200 married filing jointly / $24,925 head of household; Social Security wage base $192,300; California SDI 1.4%