💰 Wondering what your paycheck will actually look like? Over 100,000 Americans use our free Paycheck City Calculator 2026 to find out exactly how much they'll take home after federal, state, and local taxes. Perfect for job offers, relocation planning, and salary negotiations with updated 2026 tax rates. Includes bonus tax calculator and 401(k) impact analysis.
Join 100,000+ Americans who've calculated their true take-home pay
Your gross salary isn't what you actually take home. Understanding your net pay after taxes is crucial for budgeting, saving, and financial planning. Our calculator shows exactly where every dollar goes using 2026 tax rates with city-specific calculations.
Social Security Wage Base: Increased to $182,700 (up from $176,100 in 2025)
Standard Deduction: $15,700 (single), $31,400 (married), $23,600 (head of household)
Tax Brackets: Adjusted 3.5% for inflation across all brackets
401(k) Contribution Limit: $23,500 ($31,000 with catch-up for 50+)
Bonus Tax Rate: 22% flat federal rate for supplemental wages under $1 million
Use our paycheck city calculator above! Enter your salary, location, and filing status to see your exact net pay. Example: $60,000 salary in Texas takes home ~$46,500, in NYC takes home ~$42,800 - a difference of $3,700 per year just from location! The calculator accounts for federal tax, FICA (7.65%), state tax (0-13.3%), city taxes (NYC 3.876%, Philadelphia 3.8712%), and retirement contributions.
Common reasons in 2026: 1) State taxes - 9 states have 0% income tax, others take 3-13.3%, 2) City taxes - NYC adds 3.876%, Philadelphia 3.8712%, 3) FICA taxes - 6.2% Social Security up to $182,700 + 1.45% Medicare, 4) Retirement contributions - pre-tax 401(k) reduces taxable income, 5) W-4 allowances - affect federal withholding amounts, 6) Standard deduction - $15,700 for single filers in 2026.
For a single filer in a no-tax state (TX/FL): Federal ~$120, Social Security $62, Medicare $14.50 = total deductions ~$196, take-home ~$804. In NYC: add $25 state tax + $39 city tax = total deductions ~$260, take-home ~$740. In California: add ~$80 state tax = total deductions ~$276, take-home ~$724. Use our calculator for your exact situation with current 2026 rates.
States with NO income tax in 2026: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. For $100,000 salary, take-home is ~$78,500 (21.5% effective tax). Highest tax states: California (take-home ~$73,200), New York (~$71,500 NYC), Oregon (~$75,500), Minnesota (~$74,800). However, always consider cost of living - some no-tax states have higher housing costs. Our calculator helps compare net pay across locations.
Bonuses are taxed as supplemental wages at a flat 22% federal rate (up to $1 million). State taxes vary: some use flat rates, others use your regular bracket. FICA taxes (7.65%) also apply if you're under the Social Security wage base ($182,700 in 2026). Example: $10,000 bonus = $2,200 federal + $765 FICA + state/local tax (varies) = net ~$6,500-7,000 depending on location. Use our bonus calculator option above for exact numbers.
Yes, but strategically! Each $100 contributed pre-tax reduces your take-home by only $60-75 because you save $25-40 in taxes. For example, contributing 10% to 401(k) might only reduce your take-home by 6-7% after tax savings. 2026 401(k) limits: $23,500 ($31,000 with catch-up for 50+). Use our calculator to see the exact impact of different contribution levels on your net pay.
2026 tax updates: Standard deduction: $15,700 (single), $31,400 (married joint), $23,600 (head of household). Social Security wage base: $182,700 (up 3.5% from 2025). Tax brackets adjusted 3.5% for inflation. Federal rates: 10%, 12%, 22%, 24%, 32%, 35%, 37%. FICA: 6.2% Social Security + 1.45% Medicare (+0.9% for high earners over $200,000).
Step 1: Enter the offered salary in our calculator. Step 2: Select the state and city where you'll work (important for state/local taxes). Step 3: Choose your filing status (single/married). Step 4: Adjust 401(k) contributions if applicable. Step 5: Add any signing bonus. The calculator shows your exact monthly, biweekly, and annual take-home pay to help you compare offers across different locations accurately.
Join 100,000+ Americans who've calculated their true net pay
Educational Tool: This paycheck city calculator 2026 is for educational and planning purposes. It uses 2026 IRS tax tables, FICA limits, and state/local tax rates current as of February 2026. Actual withholdings may vary based on your specific W-4 elections, pre-tax deductions, and exact municipal tax rates.
Tax Advice: This calculator does not constitute professional tax advice. For personalized tax planning, consult a qualified tax professional or CPA.
Official Resources: IRS Publication 15-T (Employer's Tax Guide) | State Revenue Department Websites
Last Update: February 15, 2026 | Social Security Wage Base: $182,700 | Standard Deduction (Single): $15,700