US Paycheck Calculator · 2026

Federal withholding and rounding

IRS Publication 15-T (2026), Worksheet 1A on page 10 and percentage method schedules for automated payroll systems on page 12: https://www.irs.gov/pub/irs-pdf/p15t.pdf . The worksheet annualises taxable wages, applies the W-4 adjustments, divides tentative tax and annual credits by the number of payments, floors tax after credits at zero, then adds extra withholding. The standard and Step 2 checkbox schedules are separate.

Federal intermediate amounts keep full precision. Final withholding is shown to the cent, or rounded to whole dollars when you choose; the optional whole-dollar rule, with its $2.30 and $2.50 examples, is on page 9 of Publication 15-T. To plan your W-4 for the whole year, use the IRS's own withholding estimator: https://www.irs.gov/individuals/tax-withholding-estimator

Social Security, Medicare and deductions

The Social Security Administration announced the 2026 taxable wage base of $184,500 on 24 October 2025: https://www.ssa.gov/news/en/press/releases/2025-10-24.html . Its table of contribution and benefit bases by year shows the same figure: https://www.ssa.gov/oact/cola/cbb.html

IRS Publication 15 (2026), section 9: employee Social Security is 6.2%, Medicare is 1.45%, and employers withhold an additional 0.9% on Medicare wages over $200,000 in the year. Section 15 explains the employment-tax treatment of elective 401(k) contributions. https://www.irs.gov/publications/p15 . IRS Publication 15-B (2026), cafeteria plans and accident and health benefits: https://www.irs.gov/publications/p15b

Illinois and Michigan withholding

Illinois Department of Revenue, 2026 IL-700-T, page 4 automated payroll method: subtract per-period exemptions based on $2,925 for each IL-W-4 line 1 allowance and $1,000 for each line 2 allowance, apply 4.95%, and add line 3 extra withholding. The Alice example rounds the per-period exemption to cents. https://tax.illinois.gov/content/dam/soi/en/web/tax/forms/withholding/documents/currentyear/il-700-t.pdf . Withholding scope, Publication 130: https://tax.illinois.gov/research/publications/pubs/who-is-required-to-withhold-illinois-income-tax/withholding-illinois-income-tax-for-my-employees.html

Michigan Department of Treasury, 2026 Form 446, page 2: direct percentage withholding at 4.25% after personal and dependency exemptions; fringe benefits follow federal withholding guidelines. https://www.michigan.gov/taxes/-/media/Project/Websites/taxes/Forms/SUW/TY2026/446_Withholding-Guide_2026.pdf . The 2026 exemption is $5,900: https://www.michigan.gov/taxes/business-taxes/withholding/calendar-year-tax-information . Official withholding calculator: https://www.michigan.gov/taxes/business-taxes/withholding/tax-calculator

Pennsylvania withholding

Pennsylvania's Department of Revenue tells employers to withhold 3.07% of taxable compensation: https://www.pa.gov/agencies/revenue/resources/tax-types-and-information/employer-withholding . The same 2026 rate appears in the department's instructions for estimating personal income tax (REV-413 (I)): https://www.pa.gov/content/dam/copapwp-pagov/en/revenue/documents/formsandpublications/formsforindividuals/pit/documents/2026/2026_rev-413i.pdf

Pennsylvania Personal Income Tax Guide, Gross Compensation: employee 401(k) deferrals are taxable, while qualifying Section 125 health premiums are excluded. No personal allowance is subtracted in this regular-wage withholding formula. https://www.pa.gov/agencies/revenue/forms-and-publications/pa-personal-income-tax-guide/gross-compensation

States without wage income tax

Washington Department of Retirement Systems, IRS Forms and Taxes, lists Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming as states without state income tax. This calculator applies zero state wage income tax for these states in 2026. https://www.drs.wa.gov/irs/

Each state's own agency confirms it: Alaska's retirement and benefits division (https://drb.alaska.gov/employee/dbrplan.html), Florida's Department of Revenue (https://floridarevenue.com/faq/Pages/FAQDetails.aspx?FAQID=1466) and Nevada's Department of Taxation, whose page on income tax in Nevada is here: https://tax.nv.gov/about-nevada-department-of-taxation/income-tax-in-nevada/

New Hampshire taxed only interest and dividends, never wages (https://www.revenue.nh.gov/taxes-glance/interest-dividends-tax), South Dakota has no personal income tax (https://dor.sd.gov/individuals/taxes/), and Tennessee's revenue department confirms that employers withhold no state income tax: https://revenue.support.tn.gov/hc/en-us/articles/360057595051-GEN-34-Income-Tax-Withholding

Texas Constitution, Article VIII, section 24-a: https://tcss.legis.texas.gov/resources/CN/htm/CN.8.htm . Washington Department of Retirement Systems: https://www.drs.wa.gov/irs/ . State of Wyoming, About Wyoming: https://www.wyo.gov/about-wyoming . A zero wage income tax does not mean all payroll deductions are zero.

How to use it

1. Enter gross pay per period, pay frequency and eligible pre-tax deductions.
2. Copy the amounts from your 2020 or later W-4 and enter prior taxable wages with this employer.
3. Choose the state, enter any supported state allowances, and calculate the breakdown.

Privacy & limitations

Calculations run in your browser. Pay and W-4 amounts are not uploaded or saved.