Paycheck Estimator

Get a rough idea of what a paycheck actually pays you after taxes.

How are you paid?

Hourly wage

Hours per week

hrs

Hours over 40 in a week count as overtime and pay 1.5×.

How often do you get paid?

Your state

Pick your state to include state income tax. Local taxes (some cities and counties) aren't included.

Advanced settings

401(k) / 403(b) contribution (% of your pay)

Traditional comes out before income tax, so it lowers your tax bill today. Roth comes out after tax, but you generally won't owe tax on it when you take it out in retirement. The 2026 limit is $24,500 a year.

Insurance premiums, pre-tax (per paycheck)

Usually employer medical, dental, and vision plans. These come out before income tax and also lower your Social Security and Medicare tax.

Insurance premiums, post-tax (per paycheck)

Coverage taken out after tax, like some supplemental life or accident plans. Your pay stub shows which is which. If you have both kinds, enter each here.

HSA contribution (per paycheck)

A health savings account requires a high-deductible health plan. It comes out before federal income tax and Social Security and Medicare tax. 2026 limits: $4,400 for self-only coverage, $8,750 for family (employer contributions count toward these).

Other pre-tax deductions (per paycheck)

Like an FSA or commuter benefits.

Other post-tax deductions (per paycheck)

Like union dues, uniform costs, or charity giving.

Tips

Tips per week

Tips are taxed just like the rest of your pay.

My job doesn't take out Social Security & MedicareSome jobs skip these, like working for your parents' business while under 18, or working for your own school as a student. If you're not sure, leave this off.

Your estimated paycheck, paid every 2 weeks

$277.05

$300.00 gross — you keep about 92%

Take-home pay$277.05
Federal income tax−$0.00
Social Security (6.2%)−$18.60
Medicare (1.45%)−$4.35
State income tax−$0.00

Per week

$138.52

Per month

$600.28

Per year

$7,203.30

Your taxable pay over a full year would be about $7,800.00, which is under the $16,100.00 standard deduction — so you likely owe no federal income tax. Social Security and Medicare still come out of every paycheck.

An estimate, not tax advice. Federal figures use 2026 rules for a single filer with no other income. State figures use 2026 rates and standard deductions but skip local taxes, phase-outs, and state payroll programs like disability or paid-leave insurance. Weekly, monthly, and yearly figures assume steady pay all year. Your pay stub has the real numbers.