A free paycheck calculator built for employees, job seekers, HR teams, and financial planners — all 50 states + D.C., updated for 2026, and every number shows its work.
When you get a job offer for $75,000, what does that actually mean per paycheck? When you move from Texas to California, how much more in taxes will you pay? When your employer offers a 401(k) match, how much will your take-home pay actually decrease if you contribute?
These are questions millions of Americans ask every day. The existing tools are either too complex, too slow, outdated, or buried inside financial services sites that exist to sell you products. TruePayCalc was built to be the fastest, cleanest, most accurate free answer — no sign-up required and no selling of your data. The site is free and supported by advertising, but the calculator always comes first — and every number it produces shows its work, with sources.
Federal Income Tax — Using 2026 tax brackets (10%, 12%, 22%, 24%, 32%, 35%, 37%) with the correct standard deductions by filing status. We calculate your actual marginal and effective rates.
State Income Tax — All 50 states plus Washington DC, using 2026 state tax tables. From 0% in Texas and Florida to 13.3% at the top bracket in California.
FICA Taxes — Social Security (6.2% on wages up to $184,500) and Medicare (1.45%, plus 0.9% additional Medicare on high earners).
Pre-Tax Deductions — 401(k) contributions and pre-tax health insurance premiums — with the correct FICA treatment applied to each (401(k) reduces income tax but not FICA; Section 125 health premiums reduce both).
All Pay Frequencies — Weekly, bi-weekly, semi-monthly, and monthly — every result includes a table of all four.
Bonus & Overtime — Flat rate and aggregate bonus withholding, plus overtime pay at 1x, 1.5x, and 2x rates.
Job seekers comparing offers, employees verifying their pay stubs, HR professionals explaining compensation, new grads entering the workforce, people relocating between states, small business owners running payroll estimates, and anyone who just wants to know what their salary actually means in their pocket.
TruePayCalc is completely free. No account, no email address, no subscription. All calculations run locally in your browser — nothing you enter is sent to any server.