About MyNetPaycheck

MyNetPaycheck is a free tool that estimates your take-home (net) pay — what actually lands in your bank account after taxes — for any salary or hourly wage, in any U.S. state. We built it because most paycheck information online is buried in dense articles; we wanted a fast, clear calculator that shows the full breakdown.

How the estimates are calculated

Each estimate combines four components:

• Federal income tax — the 2026 progressive bracket schedule and standard deduction by filing status.
• Social Security — 6.2% up to the annual Social Security wage base.
• Medicare — 1.45%, plus the 0.9% Additional Medicare Tax above the IRS threshold.
• State income tax — current rates and brackets for all 50 states and Washington, D.C., including no-tax, flat-tax, and progressive states.

Pre-tax contributions such as a traditional 401(k) reduce your taxable income for income-tax purposes (but not for Social Security and Medicare), and the calculator reflects that.

Data sources

Federal figures follow IRS inflation-adjusted amounts for the 2026 tax year. State income-tax rates and brackets are based on the Tax Foundation's published 2026 state individual income tax data. We review the figures as new tax-year data is released.

Accuracy and limitations

These are estimates for planning and education only — not tax, legal, or financial advice. Real paychecks can differ because of local (city/county) income taxes, state disability insurance, pre-tax health premiums, garnishments, supplemental withholding rules, and other deductions that this tool does not model. For decisions that matter, confirm with the IRS, your state tax authority, or a qualified tax professional.

Contact

Spot something that looks off, or have a suggestion? We'd genuinely like to hear it — email hello@mynetpaycheck.com.