Payroll Calculator

Estimate federal withholding and net pay from an annual salary using 2026 IRS brackets.

Quick answer: Estimate federal income tax, Social Security, and Medicare on any 2026 salary. See annual and per-period take-home pay for weekly, biweekly, or monthly checks.

Annual gross salary (USD) Filing status Pay frequency Pre-tax deductions per year (401k, HSA, premiums) (USD)

How to use

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About this tool

This payroll calculator estimates federal income tax, Social Security, and Medicare withholding for an annual salary in the United States using the 2026 federal brackets and standard deductions. It applies the 10, 12, 22, 24, 32, 35, and 37 percent bracket structure for single and married filing jointly statuses, subtracts the standard deduction of 16,100 dollars (single) or 32,200 dollars (married), and computes FICA taxes including the 6.2 percent Social Security wage base up to 184,500 dollars and the 1.45 percent Medicare tax plus the 0.9 percent additional Medicare on wages above 200,000 dollars. Pre-tax deductions such as traditional 401(k) contributions, HSA contributions, and certain premium payments reduce federal taxable income before bracket math runs. The tool then divides annual net pay across weekly, biweekly, semimonthly, or monthly pay periods so you can compare paychecks. It does not calculate state or local income tax, which varies widely across jurisdictions.

. Estimates use the latest published federal 2026 rates and standard deductions; verify with IRS and official state sources; this is not tax advice.

For a 65,000 dollar single salary with no pre-tax deductions and biweekly pay, the math works as follows: the standard deduction of 16,100 reduces taxable income to 48,900; the 10 percent bracket on the first 11,925 yields 1,192.50, the 12 percent bracket on 11,926 through 48,475 yields 4,386.00, and 22 percent on the remaining 425 yields 93.50, for a federal total of 5,672.00. Social Security at 6.2 percent on 65,000 adds 4,030.00, and Medicare at 1.45 percent adds 942.50, bringing total withholding to about 10,644.50 and annual take-home to 54,355.50, or roughly 2,090.60 per biweekly paycheck.

This estimate excludes state income tax, local earned-income taxes, unemployment insurance, garnishments, Roth retirement contributions, and post-tax benefits like dental or vision premiums. Employer-side FICA matching is not shown in the employee results. Real paychecks also reflect year-to-date accumulation, supplemental wages, and benefit elections, so use this tool as a planning guide, not a substitute for a pay stub or a tax professional.

FAQ

Why does my paycheck show a different Medicare amount than the calculator?

This tool applies 1.45 percent Medicare to your entire gross plus 0.9 percent additional on wages above 200,000 dollars, with no employer-side matching shown. Real paychecks may include employer-paid premiums, Roth contributions, or year-to-date adjustments that shift the taxable base, causing small differences versus a clean annual projection.

Does the calculator subtract my state income tax?

No. This tool computes federal income tax, Social Security, and Medicare only. State income tax rates, brackets, and standard deductions differ across all 50 states, and several states levy no income tax at all. You must add state withholding separately using your state revenue department's published tables for an accurate full paycheck picture.

Are 401(k) contributions excluded from Social Security and Medicare too?

Traditional 401(k) contributions reduce federal taxable income but remain subject to the 6.2 percent Social Security and 1.45 percent Medicare taxes until the Social Security wage base of 184,500 dollars is reached. HSA contributions are pre-FICA, so this calculator's treatment of pretax as federal-only may slightly overstate FICA for HSA-only savers.

Why is the per-period take-home not just annual take-home divided by 52?

The divisor depends on your pay frequency: 52 for weekly, 26 for biweekly, 24 for semimonthly, and 12 for monthly. Biweekly pay yields 26 checks but 27 in some years due to calendar drift, and semimonthly produces 24 checks regardless. Pick the frequency that matches your employer's schedule for an accurate per-check estimate.

What counts as a pre-tax deduction in this calculator?

Pre-tax deductions include traditional 401(k) and 403(b) contributions, HSA contributions, flexible spending account elections, and employer-sponsored health, dental, and vision premiums paid before tax. Roth 401(k) contributions, wage garnishments, child support, and post-tax benefits do not reduce federal taxable income and should not be entered here.

How accurate is the federal tax math at higher salaries?

The bracket math uses the 2026 federal rates of 10, 12, 22, 24, 32, 35, and 37 percent, with the 37 percent bracket applying above 626,350 dollars for single filers. The additional 0.9 percent Medicare kicks in above 200,000, and Social Security stops accruing at 184,500. Itemized deductions and AMT are not modeled, so high earners should expect small variances.

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The complete payroll calculator guide

Prefer the long version — a worked example, the mistakes people actually make, and answers to real questions? The blog guide Payroll Calculator — Complete Guide, Mistakes & FAQ covers all of it step by step.

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