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Take-home pay per paycheck for salary or hourly work: 2026 federal withholding from your W-4 (IRS Pub 15-T), FICA and your state's own withholding method.

Reviewed by CentExactRates effective 4 sourcesCalculated in your browser. Shared links include inputs.

Take-home pay every two weeks

$2,368.94

$2,884.62 gross less $515.68 in taxes and deductions · $61,592.50 a year · 2026 rules

Taxes 17.9% of grossFederal only
Where you work

Federal withholding and FICA: the whole paycheck in the states without a wage income tax.

Pay
Paid by
$

Before tax and deductions.

Withholding is worked out one paycheck at a time, so the same salary paid weekly or monthly can withhold slightly different totals over a year.

Form W-4

The status on your W-4, which can differ from the one on your tax return.

Tick it on the forms for both jobs; it halves the bands withholding uses.
$

A year: $2,200 for each child under 17, $500 for other dependents.

$

A year, not from jobs.

$

A year, beyond the standard deduction.

$

Each paycheck.

Only if you owed no federal tax last year and expect none this year.
Deductions from each paycheck
%

A share of gross pay.

$

Each paycheck. Through payroll it escapes federal tax and FICA; a few states, California and New Jersey among them, still tax it.

$

Each paycheck, through a section 125 plan, so it comes off before federal tax and FICA.

$

Taken before tax under a section 125 plan.

$

Roth 401(k), union dues, garnishments.

  • Gross pay

    $2,884.62

    every two weeks

  • Federal income tax

    $295.00

    withheld, Publication 15-T

  • Refund when you file

    $0.00

    federal, if the W-4 is accurate

2026 federal withholding. An estimate from published rates, confirm current figures with the official source.

Where your paycheck goes, every two weeks
  • Take-home$2,368.9482%
  • Federal income tax$295.0010%
  • Social Security and Medicare$220.688%

What comes out of this paycheck

  • Federal income tax$295.00
    How federal withholding was worked out

    Publication 15-T Worksheet 1A: $2,884.62 of taxable wages × 26 = $75,000.00 a year, less $8,600.00 for Step 2, gives $66,400.00. The standard schedule charges $5,800.00 plus 22% over $57,900.00: $7,670.00 a year, $295.00 a paycheck.

  • Social Security$178.85
  • Medicare$41.83
  • Take-home pay$2,368.94

This paycheck and the year

Each line per paycheck and for the year
LineThis paycheckThe year, 26 paychecks
Gross pay$2,884.62$75,000.00
Federal income tax$295.00$7,670.00
Social Security$178.85$4,650.00
Medicare$41.83$1,087.50
Take-home pay$2,368.94$61,592.50
Withholding against the year's federal tax

A year of these paychecks withholds $7,670.00 of federal income tax. On the same Form W-4 the 2026 tax is $7,670.00: wages less the standard deduction and any Step 4(b) deductions, plus Step 4(a) income, less Step 3 credits. You would get back about $0.00 when you file; the tax refund calculator adds the credits and deductions a Form W-4 cannot see.

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How this is calculated

A paycheck is gross pay less what the employer must withhold, and withholding is worked out one paycheck at a time from the forms you filed, not from the tax you will finally owe. The calculator follows IRS Publication 15-T's Worksheet 1A for federal income tax from your Form W-4, charges Social Security and Medicare on the wages they apply to, and runs your state's own 2026 withholding formula on your state form, before taking off your pre-tax and after-tax deductions.

take-homegross − pre-tax deductions − federal − FICA − state − after-tax deductions

federal
Publication 15-T on the annualised paycheck, divided by the pay periods
FICA
6.2% Social Security to the wage base and 1.45% Medicare
state
the state's own method, or a share of its annual tax where the method is not modelled
The withholding schedules, rates and each state's method come from the datasets listed under Data sources. The guide works a $75,000 salary paid every two weeks, the same pay in California and an hourly week in New York.

What this does not include

  • City, county and school-district income taxes, such as New York City, Philadelphia or Ohio municipalities.
  • Bonuses and supplemental wages, which are withheld at flat supplemental rates.
  • Employer-specific deductions such as life insurance, parking or charity.
  • Year-to-date catch-up in a payroll system when your pay changed during the year.

How paycheck withholding works: Form W-4, Pub 15-T and state formulas. What an employer withholds and why: Worksheet 1A step by step, FICA and its caps, state withholding formulas, and why withholding is not your tax bill.

Data sources

US federal income tax withholding, percentage method for automated payroll, 2026IRS Publication 15-T (2026)Within its effective period
US federal income tax and FICA, tax year 2026IRS Rev. Proc. 2025-32 (2026 inflation adjustments)Within its effective period
US state individual income tax and employee payroll contributions, 2026Tax FoundationWithin its effective period
US state income tax withholding methods, 2026State revenue departmentsWithin its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

Figures are estimates derived from published rates and rules, current at the review date shown at the top of this page and taken from the sources listed under Data sources on this page. Rates, fees and thresholds change; always confirm current values with the official source before relying on a result.