Net Pay Calculator 2026

Gross pay to net pay with every deduction shown · 2026 tax rates · updated October 2026

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Your take-home pay (bi-weekly)

$2,093

$54,408 a year · $4,534 a month · 16.3% of gross goes to taxes

Gross pay to net payBi-weeklyAnnual
Gross salary$2,500$65,000
Federal income tax-$216-$5,620
Social Security-$155-$4,030
Medicare-$36-$943
State income tax (est.)-$0-$0
Take-home pay$2,093$54,408

2026 federal rates. State tax is estimated from the state's 2026 employer withholding formula, so it approximates what comes out of each paycheck; local taxes are not included. For tips, overtime, car loan, age 65+ and child credits, use the full salary calculator.

Worked example: $65,000 salary, paid every two weeks

A single filer in a state with no income tax earns $65,000 a year, puts 6% into a traditional 401(k) and pays a $120 health premium before tax each paycheck. Gross pay per paycheck is $2,500.

LinePer paycheckPer year
Gross salary$2,500$65,000
Traditional 401(k) / 403(b)-$150-$3,900
Health insurance / FSA (pre-tax)-$120-$3,120
Federal income tax-$184-$4,778
Social Security-$148-$3,837
Medicare-$35-$897
State income tax (est.)-$0-$0
Take-home pay$1,864$48,469

Notice that Social Security and Medicare are calculated on $61,880, not $57,980: the health premium lowers the wages subject to FICA, but the 401(k) does not. Federal income tax is figured on $41,880 of taxable income after the $16,100 standard deduction.

How net pay is calculated

  1. Gross pay: your salary, or hourly rate times hours (use the hourly to salary calculator).
  2. Pre-tax deductions: health insurance, FSA, HSA and traditional 401(k).
  3. Federal income tax: 2026 brackets of 10% to 37% on income after the standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household).
  4. FICA: Social Security 6.2% up to $184,500 plus Medicare 1.45% (and 0.9% more above $200,000 single or $250,000 joint).
  5. State and local tax: depends on where you work and live. See income tax by state.
  6. After-tax deductions: Roth 401(k), union dues, insurance. Add them on the full salary calculator.

More ways to see your net pay

Frequently asked questions

What is net pay?
Net pay is the amount you take home after your employer subtracts taxes and deductions from your gross pay. It is the number that lands in your bank account, also called take-home pay.
How do you calculate net pay from gross pay?
Start with gross pay, subtract pre-tax deductions such as health premiums and traditional 401(k) contributions, then subtract federal income tax, Social Security (6.2% up to $184,500 in 2026), Medicare (1.45%), state income tax and any local tax, and finally subtract after-tax deductions such as Roth 401(k) contributions or union dues.
What is the net pay on a $65,000 salary?
A single filer in a state with no income tax who earns $65,000 and is paid every two weeks takes home about $2,093 per paycheck ($54,408 a year) in 2026 with no deductions. With a 6% traditional 401(k) and a $120 health premium each paycheck it is about $1,864.
Why is my net pay different from what the calculator shows?
Common reasons are a different W-4 setup, local city or county taxes, state disability or paid-leave deductions, employer-specific benefits and extra withholding. This calculator estimates your tax from 2026 rates; your employer withholds based on your W-4 and the state's withholding formula.
Do pre-tax deductions reduce Social Security and Medicare?
Health insurance premiums, FSA and payroll HSA contributions reduce income tax and also Social Security and Medicare wages. Traditional 401(k), 403(b) and 457(b) contributions reduce income tax only; they are still subject to Social Security and Medicare tax.
Is net pay the same as take-home pay?
Yes. Net pay, take-home pay and "pay after taxes" all mean gross pay minus taxes and deductions.

Need to change how much tax is withheld?

Our sister site W4Calc covers Form W-4 and withholding in depth.

Estimates only, using 2026 federal rates (Rev. Proc. 2025-32) and each state's 2026 employer withholding formula. Not tax advice.