ClearWorth

Paycheck Calculator

Paycheck Calculator and Take-Home Pay Estimator

Estimate your take-home pay from salary or hourly income after federal taxes, state taxes, retirement contributions, benefits, and other deductions.

Manual local tax override

For Pennsylvania, use the official PA PSD/EIT lookup, then enter the resident or work local earned income tax rate here. ClearWorth does not need your street address.

Manual override is off; ZIP-based local rules are used where available.

Withholding allowances

Each allowance reduces the matching withholding wage base by the 2026 federal bridge value of $4,300. State and local allowance treatment can vary, so use this as a planning estimate.

Pre-tax deductions

Post-tax deductions

W-4 and tax details
Gross Paycheck Biweekly gross paycheck
$0
Taxes Federal, state, and local tax
0.00% $0
Federal0.00%$0
State0.00%$0
Local0.00%$0
FICA payroll taxes Social Security and Medicare
0.00% $0
Social Security0.00%$0
Medicare0.00%$0

Pre-tax deductions 401(k), HSA, insurance, and custom items
0.00% $0
Post-tax deductions After-tax benefits, Roth, and custom items
0.00% $0
Take Home Salary Estimated net pay after taxes and deductions
0.00% $0

Each slice mirrors the statement rows, so the biggest drag on gross pay is easy to spot.

Estimator only. Federal withholding uses 2026 IRS percentage-method schedules; local tax coverage is driven by the available jurisdiction dataset and ZIP/county resolution.

Paycheck calculator guide

What this paycheck calculator does

This paycheck calculator estimates take-home pay from salary or hourly income after federal taxes, state taxes, retirement contributions, benefits, and other deductions. It helps show how gross pay turns into net pay.

Updated May 13, 2026. Educational estimate only.

How to use it

  • Choose salary or hourly income.
  • Enter your pay frequency.
  • Add federal and state tax assumptions.
  • Include retirement contributions and deductions.
  • Review estimated take-home pay per paycheck, month, and year.

Example

A raise does not always increase take-home pay dollar for dollar. Taxes, benefit deductions, retirement contributions, and payroll rules can all affect how much actually lands in your bank account.

Common assumptions

Paycheck estimates can differ from actual payroll results because employers, states, benefit elections, W-4 settings, pre-tax deductions, post-tax deductions, and local taxes can vary.

State paycheck calculators

Open a state-specific paycheck calculator with that state already selected, then fine-tune salary, hourly income, deductions, ZIP code, and filing assumptions.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Is this a tax return calculator?

No. It estimates paycheck withholding and take-home pay, not your final annual tax refund or amount owed.

Why does my actual paycheck differ?

Payroll systems may include details this calculator does not, such as local taxes, employer-specific benefits, special deductions, bonuses, or exact W-4 handling.

Can I use this for hourly income?

Yes. Enter your hourly rate and expected hours to estimate gross and net pay.

Sources and research direction: IRS Tax Withholding Estimator, IRS Publication 15-T, IRS 401(k) contribution limits, IRS 2026 HSA limits, New York withholding updates, Philadelphia wage tax rates, PA PSD and EIT lookup, Social Security contribution and benefit base, and ClearWorth methodology.