Every calculator, listed by country.

2026 US paycheck calculator

Take-home pay for tax year 2026. Federal brackets from IRS Rev. Proc. 2025-32, Social Security wage base $184,500, Medicare, California brackets, or no state income tax.

Hourly paycheck calculator.

Turn an hourly rate and hours per week into 2026 US take-home pay. Federal brackets, Social Security, Medicare, and no state tax, California, or a flat rate.

2026 bonus withholding, the flat method.

How much of a US bonus is withheld in 2026 under the IRS flat method: 22% until $1 million of supplemental wages, then 37%, plus Social Security and Medicare.

California paycheck calculator for 2026

California take-home pay for 2026. Federal tax, FICA, California ordinary brackets after the state standard deduction, and the 1% tax over $1 million. Credits not included.

Mortgage payoff, extra payments, and PMI.

See how extra principal or one biweekly extra payment shortens a US mortgage and how much interest it saves. PMI stops when the balance reaches 80% of the home price.

Paycheck calculator for states with no income tax

2026 take-home pay in Texas, Florida, Washington, Nevada, Tennessee, South Dakota, Alaska, Wyoming, and New Hampshire. Federal tax and FICA still apply. No state wage tax.

State paychecks

Alaska paycheck, no state income tax.

Alaska has no state income tax and no state sales tax. The Permanent Fund Dividend is not wages and is not part of this paycheck.

Arizona paycheck at 2.50%.

Arizona’s 2026 individual income tax is a 2.50% flat rate. This page applies that rate to wages after a 401(k), before Arizona deductions, so the state line is a ceiling.

Colorado paycheck at 4.40%.

Colorado’s flat income tax is 4.40% for 2026. The state’s standard deduction tracks the federal amounts. The rate box here does not subtract that deduction.

Florida paycheck, no state income tax.

Florida does not tax wages. Federal income tax and FICA still come out. Homestead exemption is a property-tax rule, not a larger paycheck.

Georgia paycheck at 5.19%.

Georgia’s 2026 flat individual income tax rate is 5.19%. Applied here to wages after a 401(k), with no Georgia deductions.

Illinois paycheck at 4.95%.

Illinois taxes individuals at a flat 4.95%. Chicago does not add a city income tax. The personal exemption is not subtracted in this flat-rate line.

Indiana paycheck at 2.95%.

Indiana’s state rate for 2026 is 2.95%. Counties add their own income tax on top. The number pre-filled here is the state piece only.

Iowa paycheck at 3.80%.

Iowa’s 2026 individual income tax is a 3.80% flat rate, with a standard deduction aligned to the federal deduction. This tool applies 3.80% to wages and does not subtract that.

Michigan paycheck at 4.25%.

Michigan’s 2026 state withholding rate on wages is 4.25%. City income taxes, including Detroit, are not in that rate.

Nevada paycheck, no state income tax.

Nevada does not tax wages. Gaming and commerce taxes are business taxes. A Las Vegas or Reno paycheck is federal tax plus FICA.

New Hampshire paycheck, no state income tax.

New Hampshire does not tax wages. A 2026 paycheck is federal income tax plus FICA. Do not add a wage rate for the old interest-and-dividends tax.

South Dakota paycheck, no state income tax.

South Dakota has no state income tax. Take-home pay is federal tax and FICA. Sales tax and local property tax are not payroll.

Tennessee paycheck, no state income tax.

Tennessee does not tax wages. The old Hall tax on interest and dividends is not a wage tax. Federal tax and FICA still apply in Nashville or Memphis.

Texas paycheck, no state income tax.

Texas does not tax wages. A 2026 paycheck is federal income tax plus Social Security and Medicare. Property tax is not withheld from the check.

Washington paycheck, no state income tax.

Washington does not tax wages. A capital-gains tax can apply to long-term gains above a threshold, and it is not withheld from a paycheck.

Wyoming paycheck, no state income tax.

Wyoming has no individual income tax. A 2026 paycheck is federal income tax and FICA. The state does not add a wage rate.

Guides

2026 federal income tax brackets.

The seven 2026 federal ordinary income tax brackets from IRS Rev. Proc. 2025-32, with a worked $100,000 single example that lands at $13,170 of tax.

Additional Medicare Tax.

Additional Medicare Tax is 0.9% of wages over $200,000 single, $250,000 joint, or $125,000 married filing separately. Employers start withholding at $200,000 regardless.

Social Security tax in 2026.

The 2026 Social Security wage base is $184,500. Employees pay 6.2% until that cap, a maximum of $11,439. Medicare is not capped.

The 2026 standard deduction.

The 2026 standard deduction under the One Big Beautiful Bill inflation adjustments: $16,100 single, $32,200 married filing jointly, $24,150 head of household.

What a 401(k) does to a 2026 paycheck.

A traditional 401(k) reduces federal and state income tax. It does not reduce Social Security or Medicare. The 2026 employee deferral limit is $24,500.

What a biweekly mortgage payment actually is.

Twenty-six half-payments on a US monthly mortgage add up to thirteen full payments a year. The interest you save is that extra payment, not a magic of the word biweekly.

What an extra principal payment is worth.

Extra principal on a US mortgage cuts interest because the rate is applied to a smaller balance. A worked 6.5% loan shows the years and dollars, with no change to the note rate.

When PMI comes off a US mortgage.

Private mortgage insurance can be requested at 80% of the original value and must end at 78% under the Homeowners Protection Act. Extra payments do not always make a servicer.

United Kingdom

Take-home pay for 2026/27, National Insurance, student loans, Scottish bands, and stamp duty in England, Scotland, and Wales. Open the United Kingdom index.

Calculators

UK take-home pay, England or Scotland.

Salary after income tax, National Insurance, and student loan for 2026/27. England, Wales, and Northern Ireland bands, Scottish bands, salary sacrifice, plans 1, 2, 4, 5, and.

Stamp duty for England, Scotland, and Wales.

Residential stamp duty for 2026. SDLT in England and Northern Ireland, LBTT in Scotland, LTT in Wales, with first-time buyer relief and additional-property rates.

Guides

Employee National Insurance for 2026/27.

Employee Class 1 National Insurance for 2026/27 is 8% between £12,570 and £50,270 a year, then 2%. The primary threshold and upper earnings limit did not move.

First-time buyer property tax is local.

English first-time buyer relief is 0% to £300,000 if the price is £500,000 or less. Scotland widens the nil-rate band to £175,000. Wales does not copy the English relief.

LBTT on a Scottish home.

Land and Buildings Transaction Tax on a Scottish home: 0% to £145,000, 2% to £250,000, 5% to £325,000, 10% to £750,000, 12% above. Additional dwellings add 8% of the price.

LTT on a home in Wales.

Land Transaction Tax on a Welsh home: 0% to £225,000, 6% to £400,000, 7.5% to £750,000, 10% to £1.5 million, 12% above. Higher rates for additional homes start at 5%.

Residential SDLT bands.

Stamp Duty Land Tax on a home in England or Northern Ireland: 0% to £125,000, then 2%, 5%, 10%, and 12%. Additional homes add 5% of the price. First-time buyer relief ends.

Salary sacrifice on a UK payslip.

A salary sacrifice cuts the pay that income tax, employee National Insurance, and student loan are calculated on. At £42,000, 5% sacrificed saves tax and NI and still goes into.

Scottish income tax for 2026/27.

Scottish income tax bands for 2026/27 from gov.scot: 19% to £16,537, 20% to £29,526, 21% to £43,662, 42% to £75,000, 45% to £125,140, 48% above. National Insurance is unchanged.

Student loan thresholds for 2026/27.

Annual student loan thresholds for 2026/27: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, postgraduate £21,000. Undergraduate plans are 9%. Postgraduate is 6%.

UK income tax bands, outside Scotland.

England, Wales, and Northern Ireland income tax for 2026/27: personal allowance £12,570, basic rate 20% to £37,700 of taxable income, then 40%, then 45% above £125,140.

Canada

Mortgage stress test, minimum down payment, default insurance, and the qualifying rate. Open the Canada index.

Calculators

Canada mortgage stress test.

Canadian mortgage qualifying rate, the higher of your rate plus 2% and 5.25%. Minimum down payment, default-insurance premium, and the income that clears 39% GDS and 44% TDS.

Canada minimum down payment.

Minimum down payment in Canada: 5% of the first $500,000, 10% of the portion up to $1.5 million, and 20% when the price is over $1.5 million.

Guides

Default insurance on a Canadian mortgage.

Standard mortgage insurance premiums added to a Canadian loan: 4.00% with 5% to under 10% down, 3.10% with 10% to under 15%, and 2.80% with 15% to under 20%.

GDS and TDS, and why the income number is the higher one.

Gross debt service is housing costs over gross income, modeled here at 39%. Total debt service adds other debts, modeled at 44%. Both are tested on the stressed payment, not.