Start with your decision
What do you want to figure out?
Choose a starting point. Adjust the assumptions to see what a paycheck, raise or new job could mean for you.
- My next paycheck
Estimate my take-home pay
Start with your salary or hourly rate, then account for taxes, retirement contributions and deductions.
Calculate my paycheck - A raise or change
See what changes my paycheck
Compare before and after a raise, a move or a benefits change, with the net difference broken down.
Compare before and after - A new job or state
Compare what an offer is worth
Weigh dependable take-home, benefits and work costs. Moving? Compare wages and state price levels, too.
Calculators
Every paycheck question, one tap away.
Browse all 19 calculators
Paycheck & payroll
11- Employer Cost Calculator (2026) Estimate total employer cost and compare base salary with official BLS state wage thresholds for 23 occupations. Open
- Take-Home Pay Calculator (2026) Estimate your 2026 net paycheck after federal income tax, Social Security, Medicare and state income tax. All 50 states + DC. Open
- Hourly to Salary Calculator Convert an hourly wage to annual salary, monthly, biweekly and weekly pay. Includes overtime-equivalent rate. Open
- Salary to Hourly Calculator Convert an annual salary to an hourly rate, including your overtime-equivalent rate. Open
- Overtime Pay Calculator Calculate gross pay with overtime (1.5×) and double-time (2×) hours per pay period. Open
- Timesheet Calculator with Overtime Enter daily hours to get weekly totals, automatic overtime after 40 hours, and gross pay. Open
- Pay Raise Calculator Calculate a percentage raise or compare two salaries. See your annual and per-check gross increase, before taxes and deductions. Open
- 1099 vs W-2 Calculator Compare net pay as a W-2 employee versus a 1099 contractor, including self-employment tax. Open
- Biweekly vs Semi-Monthly Paycheck Calculator Compare per-check amounts across weekly, biweekly, semi-monthly and monthly pay. Open
- Paycheck Budget Splitter (50/30/20) Split your take-home pay into needs, wants and savings with the 50/30/20 rule. Open
- State Income Tax Comparison 2026 Compare 2026 state income tax and estimated net annual pay across all 50 states and DC. Open
Salary & job offers
8- No Tax on Overtime Calculator (2026) Separate total overtime pay from the FLSA premium, then estimate the cap, MAGI phaseout and federal tax savings. Open
- Paycheck Change Calculator (2026) Compare two paychecks and see which change moved your take-home: a raise, a new frequency, filing status, a move, 401(k) or pre-tax deductions. Open
- W-4 Withholding Calculator (2026) See what Publication 15-T withholds from each check, the estimated tax for the year, and the refund or bill between them. Open
- Savings Growth Calculator Compound growth on a starting balance and a contribution every payday, at a rate of return you enter yourself — we never suggest one. Open
- Salary, Take-Home & Relocation Explorer Compare two offers with official BLS wage bands, 2026 take-home and BEA state price levels. Open
- Job Offer Reality Check Separate dependable take-home, bonus, sign-on cash, employer value, work costs and time. Open
- Salary Percentile & Wage Band Check Place your base salary inside official BLS P10–P90 thresholds without inventing an exact percentile. Open
- No-Degree Opportunity Finder Compare state salary, modeled take-home, BLS growth and annual openings without a black-box career score. Open
Paycheck Watch
What changed, and what it does to a check.
Official IRS, SSA, BLS and BEA changes, each with the paycheck consequence computed by the same engine as the calculators above.
- Two engine runs on one scale: Texas against California, take-home per check. U.S. Bureau of Economic Analysis Regional Price Parities: The 2024 Vintage Behind Our Price-Adjusted Pay Paycheck impact For $95,000 in Texas, single filer, paid every two weeks, the estimate moves +$183 a check (+$4,758 a year) against the same salary in California. bea.gov
- Primary source: bls.gov. U.S. Bureau of Labor Statistics Our Wage Bands Now Read From the BLS OEWS May 2025 State File Paycheck impact Wage percentiles change how you judge an offer or a raise request, but they do not change a single line of withholding on your check. bls.gov
- Where one year of this salary goes, by the engine’s own components. Internal Revenue Service IRS Revenue Procedure 2025-32 Sets the 2026 Brackets PaycheckForge Now Uses Paycheck impact Estimated take-home for $85,000 in Texas, single filer, paid every two weeks: $2,640 a check ($68,628 a year). irs.gov
By state
Find your state's paycheck calculator.
Take-home after federal and state taxes, with selected resident local taxes in MD, IN, NYC and Yonkers.
- Alabama
- Alaska No wage income tax
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida No wage income tax
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada No wage income tax
- New Hampshire No wage income tax
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota No wage income tax
- Tennessee No wage income tax
- Texas No wage income tax
- Utah
- Vermont
- Virginia
- Washington No wage income tax
- West Virginia
- Wisconsin
- Wyoming No wage income tax
- Washington DC
No state matches that search.
Salary & research
Where a salary carries further.
Official BLS wages, the same deterministic 2026 tax model and BEA regional price levels — published with sources and downloadable data.
- Research · 2026 Annual Salary Power Report 2026 23 occupations × 51 jurisdictions. See how take-home and regional prices reorder statewide salaries. BLS OEWSBEA RPPCSV Open the report
- Research · occupation atlas Registered Nurse Paycheck Atlas Where an RN paycheck goes furthest after taxes and BEA regional price levels. BLS OEWS51 jurisdictions Open the report
- Interactive preview Real Pay Atlas One occupation, fifty states and DC: nominal take-home beside a regional-price adjustment. 23 occupationsLive table Open the report
- Research · 2026 The Raise Report 2026 A $10,000 raise never adds $10,000. What it really adds after tax, in all 51 jurisdictions. 51 jurisdictionsCSV Open the report
Learn
What changed in your paycheck, and why.
Latest analysis
All posts- 2026 Federal Tax Brackets Explained With Real Examples The 2026 federal tax brackets with worked examples at $50k, $100k and $200k — how progressive taxation works, and marginal vs effective rate.
- Biweekly vs Semi-Monthly Pay: Which Pays More 26 checks vs 24 checks — same salary, different cash flow. The real difference between biweekly and semi-monthly pay, with 2026 numbers for budgeting.
- Bonus Taxation Explained Why Bonuses Get Taxed More Your $5,000 bonus arrives as $3,350, not $3,900. The 22% supplemental withholding rate explained, why it isn't your real rate, and when you get it back.
Source-cited by design.
The model uses 2026 federal, FICA and state tables, then clearly separates estimates from what an employer's withholding system may do differently.
Read sources and limitationsGood to know
2026 at a glance
Which states have no income tax on wages in 2026?
9 states levy no tax on wage income: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. If you live in one of these, your take-home difference comes entirely from federal tax and FICA.
What changed for 2026 paychecks?
- Standard deduction: $16,100 single / $32,200 married filing jointly.
- Social Security wage base rose to $184,500 (max employee withholding $11,439).
- Bracket thresholds rose ~2.3–4% (One Big Beautiful Bill Act made TCJA rates permanent).
- State rate cuts in North Carolina (3.99%), Ohio (flat 2.75% over $26,050), Kentucky (3.5%), Indiana (2.95%), Mississippi (flat 4.0% over $10,000) and others.