Updated for 2026

Your paycheck, after tax.

Your real take-home pay in seconds — 2026 tax rates for all 50 states, cities included.

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Earning $75,000 a year in California as a single filer, you take home about $57,952 a year, or $2,229 every two weeks. Federal income tax takes $7,670, Social Security and Medicare $5,738, and California takes $2,665 in income tax and $975 goes to state insurance programs. That is an effective tax rate of 22.7%. At your federal marginal rate of 22%, each extra $100 you earn adds about $61 to your take-home pay.

Ways to keep more of your paycheck

Save 5% more in your 401(k)

−$101 / paycheck

but $1,125 less tax a year

Your take-home drops by only $101, because $3,750 more a year goes to your retirement and you pay $1,125 less in tax.

How it works

Put $2,000 a year in an HSA

$593 less tax / year

Tax-free money for medical costs

With a high-deductible health plan, HSA money paid through payroll skips federal income tax, Social Security and Medicare. You can spend it on medical costs, now or later.

How it works

What a $5,000 raise is worth

+$117 / paycheck

You keep 61.1% of it

You'd keep $3,053 of it (61.1%). A raise never lowers your take-home pay: a higher tax bracket only applies to the dollars above the line.

How it works

Same pay in Texas

+$140 / paycheck

No state income tax there

Texas has no state income tax, so you'd keep $3,640 more a year. But states without one often make up for it with higher property or sales taxes.

How it works

Estimates with 2026 tax rules for your numbers above. Not tax advice.

    Estimates based on your numbers and 2026 tax rules. For information only, not tax advice.
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    Compare with another state

    Same salary and settings, take-home per paycheck.

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    Built on official tax data from

    Social Security AdministrationIRSCalifornia Franchise Tax BoardOhio Dept. of TaxationIndiana Dept. of RevenueMaine Revenue ServicesMichigan Dept. of TreasuryArkansas Dept. of Finance and AdministrationHawaii Dept. of TaxationWest Virginia Tax DivisionNorth Dakota Office of State Tax CommissionerKentucky Dept. of RevenueMassachusetts Dept. of RevenueWashington Employment Security Dept.California EDDCity of Philadelphia
    View our data sources →

    Take-home pay in every state

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    How it's calculated

    We subtract pre-tax 401(k) contributions and any health insurance or other pre-tax deductions from your gross pay, apply the 2026 federal standard deduction and tax brackets for your filing status, then add Social Security (6.2% up to $184,500), Medicare (1.45%, plus 0.9% for high earners) and your state's income tax.

    State rates, brackets, standard deductions and exemptions are the 2026 figures for all 50 states and DC, plus state disability and paid leave deductions and local income taxes in New York City, Pennsylvania, Ohio, Michigan, Indiana, Kentucky and Maryland. Results are estimates: tax credits such as the Child Tax Credit aren't included. Read the full methodology →

    Paycheck questions

    What's the difference between gross pay and take-home pay?

    Gross pay is your salary or hourly wages before anything is taken out. Take-home pay (net pay) is what's left after federal income tax, Social Security, Medicare, state and local taxes and deductions such as 401(k) contributions and health insurance. On a $75,000 salary in Texas, a single filer takes home about $61,593 a year, 82.1% of gross pay.

    Which states have no state income tax?

    Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming don't tax wages. Washington does withhold small payroll deductions for paid family leave and its WA Cares long-term care program.

    Why is my actual paycheck different from this calculator?

    Employers withhold tax using your W-4 and the IRS withholding tables, which can differ slightly from the tax you actually owe for the year. Your paycheck may also include deductions this calculator doesn't know about, such as dental and vision premiums, union dues or wage garnishments, and credits like the Child Tax Credit lower your tax when you file. Add your health insurance and other pre-tax deductions in the calculator to get closer.

    How do I convert a yearly salary to an hourly wage?

    Divide the salary by 2,080 — 40 hours a week for 52 weeks. $50,000 a year is $24.04 an hour, $75,000 is $36.06 an hour and $100,000 is $48.08 an hour before tax. Switch the calculator to Hourly to see the after-tax amount.

    How much of a raise do I actually keep?

    It depends on your marginal tax rates. A single filer in California earning $75,000 keeps about $611 of a $1,000 raise after federal tax, state tax, Social Security, Medicare and California SDI. The summary under the calculator shows how much of each extra $100 you keep.

    Browse paycheck calculators by state
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    2026 tax rules · Updated October 23, 2026

    Tax data updates

    Every change to the tax figures behind aftrtax, newest first. We check for federal and state changes every week.

    1. Every state re-verified against its tax agency

      • Maine: standard deduction updated to the 2026 amount of $15,700 single / $31,400 married (Maine Revenue Services).
      • Ohio: the $332 base amount on income above $26,050 added, and the personal exemption now applies up to $750,000 (Ohio Revised Code 5747.02).
      • Arkansas: the middle-income tax table (0% to 3.7%) added for incomes up to about $95,000 (Arkansas DFA 2026 withholding formula).
      • Hawaii: 2026 standard deduction of $8,000 / $16,000 (Act 46).
      • Georgia: standard deduction raised to $15,000 / $30,000 (HB 463).
      • California: 2026 inflation-adjusted brackets, standard deduction and exemption credit (Franchise Tax Board).
      • Connecticut: phase-out of the 2% bracket benefit added.
      • Vermont and North Dakota: 2026 brackets; Vermont personal exemption $5,400.
      • Smaller corrections for Arizona, Utah, Maryland, Massachusetts, Illinois and Alabama.

    2. Local income taxes added

      • New York City income tax and the Yonkers resident surcharge.
      • Philadelphia wage tax (3.735% from July 1, 2026), Pittsburgh and Pennsylvania local earned income tax.
      • About 470 Ohio cities and all 214 Ohio school districts with an income tax.
      • All 24 Michigan cities with an income tax, all 92 Indiana counties and 33 Kentucky cities.

    3. 2026 state law changes and payroll insurance

      • Georgia 4.99% (HB 463), South Carolina 1.99% / 5.21% and the SC income-adjusted deduction (H.4216), Arkansas 3.7% top rate (Act 1), Utah 4.45% (SB 60), West Virginia 5% rate cut, Arizona standard deduction (HB 4168) and Maine's 2% surcharge on income over $1 million — all retroactive to January 1, 2026.
      • State disability and paid family and medical leave deductions for all 13 states that have them, at 2026 rates and wage caps.

    4. 2026 tax rules

      • Federal brackets and standard deductions for 2026 (IRS Revenue Procedure 2025-32).
      • Social Security wage base of $184,500 (Social Security Administration).
      • State rates, brackets, deductions and exemptions for all 50 states and DC as of January 1, 2026.

    Our data sources →How we calculate →
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