Take Home Pay Calculator (2026)
Gross pay is the promise; take-home pay is the reality. Enter your hourly rate, weekly hours and any overtime to see what actually lands in your bank account after 2026 federal tax, Social Security, Medicare and state tax.
Your numbers
Where each dollar of your paycheck goes
For a typical hourly worker in 2026, every gross dollar splits three ways. FICA takes a flat 7.65 cents off the top — 6.2 cents for Social Security and 1.45 for Medicare. Federal income tax takes a slice that grows with your income after the standard deduction, and most states take a further 0–8 cents. What remains, minus anything you chose to save pre-tax, is your take-home pay.
The encouraging part: overtime pushes money through the same pipeline at 1.5x speed. Taxes do not punish the extra hours — the withholding on a big check can look harsh in the moment, but it reconciles when you file. Read more in our take-home pay guide and the double time vs overtime breakdown.
Take-Home Pay FAQ
Calculate Overtime by State
Select your state for accurate 2026 overtime calculations