Paycheck calculator for real take-home pay
Estimate net pay by state, pay frequency, filing status, deductions, overtime, and bonus assumptions without digging through a long page first.
Quick paycheck estimate
Calculate take-home pay in seconds
Enter gross pay, state, and pay frequency. Open the full calculator when you need filing status, deductions, bonus, or local tax controls.
State
California
Estimated net pay
$1,987.16
Per paycheck after federal, state, and FICA assumptions
Annual net
$51,666.10
Monthly net
$4,305.51
Built to answer the next question
Why is my actual paycheck different?
A generic net-pay number is only a starting point. PayStubIQ separates federal withholding, state withholding, Social Security, Medicare, pre-tax deductions, post-tax deductions, and net pay so you can identify the line creating a difference.
Reconcile the arithmetic
Confirm that current-period gross minus every entered tax and deduction equals the net amount on the check.
Compare tax lines
See actual-versus-model differences for federal, state, Social Security, and Medicare instead of comparing only net pay.
Keep documents private
Enter non-sensitive totals manually. No paystub image, Social Security number, employer login, or account is required.
Calculator
Paycheck Calculator
Estimate federal, state, FICA, and net paycheck amounts.
Calculator
Paystub Checkup
Reconcile a real paycheck and compare every major tax line without uploading a document.
Calculator
Hourly to Salary
Convert an hourly rate to weekly, monthly, and annual pay.
Calculator
Salary to Hourly
Convert annual salary into hourly and per-pay-period rates.
Calculator
Overtime Calculator
Calculate regular pay, overtime pay, and total earnings.
Calculator
Bonus Calculator
Estimate withholding and net bonus outcomes by state.
Calculator
Pre-tax Impact
See how 401(k) and HSA/FSA deductions affect net pay.
Calculator
Self-Employed Tax
Estimate federal, state, and self-employment taxes in one view.
Calculator
Quarterly Tax
Plan quarterly estimated tax payments and monthly set-aside targets.
Calculator
1099 Tax Calculator
Estimate taxes for contractor and freelance 1099 income.
State paycheck calculators
Choose a state for tax context and assumptions.
Planning guides
View guidesSelf-Employed Tax Calculator (Updated for 2026)
How to estimate self-employed taxes in 2026, including federal, state, and quarterly payment planning.
1099 Tax Calculator Guide (Updated for 2026)
Estimate 1099 tax with a practical framework for income, expenses, and quarterly set-asides.
Quarterly Estimated Tax Planning Guide (2026)
A practical quarterly tax planning workflow for freelancers and self-employed workers in 2026.
Paycheck vs 1099 Taxes: What Changes in 2026
Understand the main differences between W-2 paycheck withholding and 1099 tax planning in 2026.
Why your paycheck may differOpen details+
Payroll systems include elections and local taxes this estimate may not fully model, including city or county withholding and employer-specific benefit rules.
Use this as a planning tool, then compare against your paystub and payroll portal settings.
Methodology and transparencyOpen details+
The paycheck estimate uses the 2026 IRS Publication 15-T annualized withholding method, Form W-4 adjustments, FICA wage-base rules, and structured state tax configurations. Annual tax-liability tools use separate income-tax brackets because liability and payroll withholding are different calculations.
See the disclaimer page for details on scope and limitations.
Trust-first paycheck planning
PayStubIQ keeps formulas transparent and keeps the calculator-first experience ahead of long-form content so visitors can estimate quickly.
Every state route remains available for state-aware assumptions and notes, with concise disclosures built in.