Paycheck Estimate
Generated by YourPayBot • 10/9/2026
Reference tool for payroll scenarios.
For documented determinations that fit your onboarding cycle (pre-hire, first payment, mid-year changes), use the Compliance Engines.
Gross to Net Paycheck Calculator
Estimate your take-home pay after federal tax, state tax, Social Security, and Medicare using 2026 IRS withholding rules.
Pay Details
The Form W-4 in use since 2020 has no allowances. Leave at 0 unless your employer still withholds from an old form; an old form has no Head of Household option, so allowances use the Single schedule for it.
A rough estimate, not your state’s withholding. Flat-tax states use the flat rate; graduated states use the state’s average rate on about $75,000 of pay (~). Local taxes are not included.
Pre-Tax Deductions
Net Take-Home Pay
per bi-weekly paycheck
Effective tax rate: 18.3%
Disclaimer: For estimates only. Federal income tax follows the IRS Pub. 15-T (2026) percentage method for a standard Form W-4 (2020 or later, Step 2 box unchecked, nothing in Steps 3 and 4); it does not model multiple jobs (Step 2), credits (Step 3) or the deductions and extra withholding in Step 4. State tax is a rough flat-rate estimate, not your state’s withholding tables, and local taxes (county, city) and state payroll programs (disability, paid family leave) are not included. Actual withholding depends on your W-4 elections and payroll system configuration. Consult a payroll professional for compliance decisions.