What this estimate includes
This is a 2026 paycheck estimate for someone whose work state and home state are the same. It uses Publication 15-T's annualized percentage method for federal income tax, employee Social Security and Medicare, and one state method: California Method B, New York's annual schedule, Illinois IL-700-T, or no state income tax for Texas and Florida. It does not include a 401(k), health insurance, a bonus, or a second state.
Each state has a guide: California, New York, Illinois, Texas, Florida. The form above estimates the same five states on one page.
| State | Take-home | Federal income tax | FICA | State income tax | State disability or local |
|---|---|---|---|---|---|
| California | $2,214.05 | $295.00 | $220.68 | $117.39 | $37.50 |
| New York | $2,223.29 | $295.00 | $220.68 | $131.99 | $13.66 |
| Illinois | $2,231.72 | $295.00 | $220.68 | $137.22 | not estimated |
| Texas | $2,368.94 | $295.00 | $220.68 | $0.00 | not estimated |
| Florida | $2,368.94 | $295.00 | $220.68 | $0.00 | not estimated |
FICA is Social Security, Medicare, and Additional Medicare on this paycheck. "Not estimated" means this calculator does not include an employee disability or family-leave deduction for that state. It is not a statement that the deduction is zero. New York's figure includes permitted SDI and Paid Family Leave, and no city tax.
A federal baseline, with no state income tax
Single, $75,000 a year, paid every two weeks, no state allowances, with Texas selected because Texas has no personal income tax. The federal and FICA lines are the same in Florida.
Federal baseline at $75,000
Step 2 is not checked. There is no Step 3 credit and no Step 4 amount.
Federal withholding follows IRS Publication 15-T (tax year 2026), Worksheet 1A, annualized. Annual wages are $75,000.00. Worksheet line 1g is $8,600.00, so the adjusted annual wage is $66,400.00. That wage falls in the standard percentage table row from $57,900.00 to $113,200.00. The row's base is $5,800.00 and its rate is 22%. Tentative annual federal tax is $7,670.00. Annual federal income tax before any per-paycheck extra withholding is $7,670.00.
Social Security is 6.2% of wages up to $184,500, which is $4,650.00 here. Medicare is 1.45% of all wages, $1,087.50. Additional Medicare is 0.9% of wages over $200,000, which is $0.00.
State income tax is $0.00 because Texas has no personal income tax. Employee disability withholding is not estimated for Texas.
| Line | This paycheck | Full year |
|---|---|---|
| Gross pay | $2,884.62 | $75,000.00 |
| Federal income tax | $295.00 | $7,670.00 |
| Social Security | $178.85 | $4,650.00 |
| Medicare | $41.83 | $1,087.50 |
| Additional Medicare | $0.00 | $0.00 |
| State income tax | $0.00 | $0.00 |
| Total withheld | $515.68 | $13,407.50 |
| Take-home pay | $2,368.94 | $61,592.50 |
Line 1g on that return is $8,600 for single and $12,900 for married filing jointly. Those are withholding worksheet amounts, not the standard deduction used on a Form 1040. The self-employment calculators on this site use the Form 1040 standard deduction and should not be used to estimate a W-2 paycheck.
Social Security, Medicare, and the wage base
Employee Social Security is 6.2% up to $184,500. The most Social Security an employee pays in 2026, at that cap, is $11,439.00 for the year. Medicare is 1.45% with no wage cap. Additional Medicare is 0.9% on wages over $200,000, starting in the paycheck that crosses the threshold. Enter year-to-date gross if you want that specific paycheck instead of the average.
How to use the result
- Start with annual salary if you know it. Use hourly wage if you do not; paid weeks default to 52.
- Match Form W-4 Step 1(c). Check Step 2 only if that box is checked on your W-4. Step 2 switches tables and sets line 1g to $0.
- For California, allowances are DE 4 regular allowances. The guide explains when zero California income tax still leaves SDI.
- For New York, exemptions above 10 are refused, because Tables B and C are not in this version. Choose New York City or Yonkers only if it applies. SDI is on by default and can be turned off.
- For Illinois, line 1 and line 2 are the two IL-W-4 allowance lines. The page does not restate the form's checkbox rules.
If the gross pay started as an hourly rate, the hourly to salary calculator shows the same annual, monthly, and weekly gross without tax. The salary to hourly calculator goes the other way. A 1099 estimate belongs on the 1099 tax calculator, not here.
Sources
Rates, brackets, deductions, and limits on this page are the 2026 figures this calculator uses (last checked 2026-10-27). The publications below are the sources for this estimate.
- IRS Publication 15-T (2026)
- Social Security and Medicare employee tax
- Social Security and Medicare employee tax
- Additional Medicare Tax
- Texas Constitution, no personal income tax
- EDD California Method B (2026)
- California SDI rate
- NYS-50-T-NYS
- New York disability benefits (employee deduction)
- New York Paid Family Leave rate
- Illinois IL-700-T
- Florida Department of Revenue, no personal income tax
Further California forms, not used as a second set of numbers: DE 4 (employee allowances), DE 44 (employer guide), and Method A wage-bracket tables. Check a federal estimate with the IRS Tax Withholding Estimator.
Data sources: IRS Publication 15-T (2026) and California EDD Method B (2026). Last checked October 27, 2026.
Disclaimer
AuraCalcs provides estimates for informational and educational purposes only. Results use the 2026 payroll withholding methods published by the IRS and the listed state agencies and may differ from your actual paycheck, which depends on your employer's payroll system, your Form W-4 and state withholding forms, benefits elections and other factors. This is not tax, legal or financial advice. Verify with your employer's payroll department, the IRS Tax Withholding Estimator, or a qualified tax professional. The paycheck calculators estimate federal income tax, Social Security, Medicare, Additional Medicare, and state withholding for the states on these pages. They are not a bill, a filing, or a determination of tax owed.
Frequently asked questions
Which taxes does the paycheck calculator estimate?
Why can the federal amount differ from my stub by a few dollars?
When does Additional Medicare start?
What does the W-4 Step 2 checkbox do here?
Which states have a full page?
Does no state income tax in Texas or Florida mean no taxes?
Last reviewed: 2026-10-28