Scenario
Get a $5,000 raise
See how much of a $5,000 annual raise reaches your bank account.
+$3,238annual take-home
+$124.55 / paycheck+$270 / month
Gross raise$5,000.00
2026 federal + state paycheck calculator
Understand your paycheck.
See exactly what comes out, why you're paying it, and how benefits and W-4 choices change what you keep—without the payroll jargon.
Official 2026 rulesAll 50 states and DC verifiedNo account required
Your details
Estimate your pay
Federal + state estimate Verified 2026 rules are live for all 50 states and the District of Columbia. New York local tax is included — select your locality in Advanced options.
Estimated take-home pay2026 · Federal + NY
$2,484.68per paycheck
You keep 76.0% of this paycheck after included federal, state, and entered payroll deductions.
Monthly$5,383
Annual$64,602
Included taxes24.0%
Where your paycheck went
From gross pay to take-home
Gross pay $3,269.23
Federal income tax Why?−$379.62
Why is this withheld?
We annualize federal taxable wages, include your W-4 income and deduction adjustments, subtract the 2026 standard deduction for single, and apply tax brackets in layers.
$85,000 adjusted income− $16,100 standard deduction= $68,900 taxable
Tax year 2026 · IRS Revenue Procedure 2025-32 ↗ · Form W-4 ↗
New York income tax Why?−$154.84
Why is this withheld?
We annualize this paycheck's state-taxable wages, apply the supported state-certificate inputs, then use the official 2026 nys method ii exact calculation.
$85,000 annualized state wages0 entered allowances / exemptions$4,026 estimated annual withholding
Tax year 2026 · Official New York withholding source ↗
Social Security Why?−$202.69
Why is this withheld?
Employees pay 6.2% on covered wages up to the 2026 annual wage base of $184,500. This paycheck has $3,269.23 of FICA-taxable wages.
Tax year 2026 · IRS Publication 15 ↗
Medicare Why?−$47.40
Why is this withheld?
Employees pay 1.45% on covered wages with no wage cap. An additional 0.9% applies to employer-paid wages over $200,000 in the year.
Tax year 2026 · IRS Publication 15 ↗
Local withholdingLocation needed
New York locality of residence is required for local withholding
Estimated take-homeFederal and state included · local excluded
$2,484.68New York locality of residence is required for local withholding. Select it in Advanced options.
Your actual paycheck may differ based on payroll-specific rules and year-to-date wages.
What if?
Try the next decision before you make it.
Each card reruns your current inputs through the same 2026 tax engine.
Scenario
Increase your 401(k) to 6%
Trade some cash take-home for additional traditional retirement savings.
−$3,702annual take-home
−$142.40 / paycheck−$309 / month
Annual contribution$5,099.90
Scenario
Move to Florida
Compare the same pay after changing both your home and work state.
+$4,026annual take-home
+$154.84 / paycheck+$335 / month
Same annual gross pay$84,999.98
Compare a new job offer
Put two salaries, states, schedules, and benefit choices side-by-side.
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