What your paycheck is really made of
This calculator separates gross pay from federal income tax, Social Security, Medicare, state income tax and benefits. It uses 2026 federal brackets and deductions as a planning model; your employer's W-4 settings, credits and local rules can change the final check.
What is the difference between gross and net pay?
Gross pay is the amount before deductions. Net pay, take-home pay and net earnings refer to what remains after taxes, FICA and deductions are removed. Two people with the same salary can receive different checks when their filing status, state or benefits differ.
Is this an official tax calculation?
No. It is a transparent planning estimate. The federal model is based on 2026 IRS schedules; the state rate remains editable because local rules vary. Confirm final payroll amounts with your employer or a qualified tax professional.