Payroll Paycheck Calculator
A payroll-style paycheck calculator for 2026. Choose salary or hourly, pay frequency, overtime, bonus and 401(k) to see federal tax, Social Security, Medicare, state tax and your net pay.
Free · No sign-up · Runs in your browser · Last reviewed November 2026
Advertisement
About the Payroll Paycheck Calculator
A payroll paycheck calculator estimates what lands in your bank account after your employer withholds federal income tax, Social Security, Medicare, state tax and any pre-tax deductions such as a 401(k). This one works like the paycheck tools offered by payroll providers, but needs no account or sign-up and nothing leaves your browser. It supports salary and hourly pay, weekly to monthly pay frequencies, time-and-a-half overtime and bonuses, which are withheld at the flat 22% supplemental rate.
How to use it
- Choose salary or hourly and enter the amount.
- Select your pay frequency and filing status.
- Add your 401(k) percentage, any bonus and your state income tax rate.
- Press Calculate net pay to see each deduction and your take-home pay.
What comes out of a paycheck
- Federal income tax: based on the brackets and your filing status.
- Social Security: 6.2% on wages up to $184,500 in 2026.
- Medicare: 1.45% on all wages, plus 0.9% on wages above $200,000.
- State and local tax: varies; nine states have no wage income tax.
- Pre-tax deductions: 401(k), health insurance and HSA lower taxable income.
Pay frequency
| Frequency | Paychecks per year |
|---|---|
| Weekly | 52 |
| Biweekly | 26 |
| Semi-monthly | 24 |
| Monthly | 12 |
Biweekly means 26 checks, so two months a year you get three. Semi-monthly means 24 checks on fixed dates, usually the 15th and the last day.
Bonus withholding
Employers usually withhold federal tax on a bonus at a flat 22% supplemental rate (37% above $1 million), plus FICA. Your actual tax is settled when you file your return, so a bonus may produce a refund or a balance due.
Frequently asked questions
How do I calculate my paycheck after taxes?
Subtract pre-tax deductions from gross pay, then withhold federal income tax, Social Security (6.2%), Medicare (1.45%) and state tax. This calculator does each step for you.
Is this the same as the ADP paycheck calculator?
It is an independent tool that follows the same 2026 federal rules. It is not affiliated with ADP, and your employer's payroll system may withhold slightly differently.
How is overtime calculated?
Hours above 40 per week are paid at 1.5 times your hourly rate in this calculator.
How are bonuses taxed?
Federal tax on bonuses is usually withheld at a flat 22% rate plus Social Security and Medicare.
What is the Social Security wage base for 2026?
$184,500. Social Security tax stops once your wages for the year pass that amount.
Why is my real paycheck different?
Local taxes, health insurance, W-4 settings, garnishments and other deductions are not included here.
Last reviewed: November 2026. Estimate only. Your employer's payroll provider (ADP, Paychex, Gusto and others) may calculate withholding differently. ADP is a trademark of its owner and is not affiliated with RoviDev.