About PayCalc.fyi
PayCalc.fyi is a free tool that helps US workers understand exactly what their salary is worth per hour — after federal tax, FICA, and state income tax for all 50 states.
Why I Built This
Most salary calculators are buried under ads, require an account, or use flat tax rate estimates that are just wrong. Progressive tax brackets, standard deductions, and state-level rules make the math genuinely complex — and most tools skip the details.
I wanted something fast, accurate, and honest: real 2026 progressive tax brackets for all 50 states, standard deductions applied correctly by filing status, and no strings attached. Everything runs in your browser — no data leaves your device.
What Makes This Calculator Accurate
- Progressive federal brackets — not a flat estimate. We apply the actual 10%–37% brackets to your taxable income after the standard deduction.
- Correct FICA math — Social Security (6.2%) is capped at the $168,600 wage base. Medicare (1.45%) has no cap. Both are calculated separately.
- Real state brackets for all 50 states — including states with flat rates, progressive brackets, and no income tax. State standard deductions are applied where they exist.
- Filing status matters — single, married filing jointly, and head of household each get different standard deductions and bracket widths.
- Data sourced from IRS publications, the Tax Foundation, and individual state revenue department guidance for the 2026 tax year.
What's Included
- 2026 federal income tax brackets (10%–37%) with standard deduction
- FICA: Social Security (6.2% up to $168,600) + Medicare (1.45%)
- State income tax with progressive brackets for all 50 states
- State standard deductions where applicable
- Overtime pay toggle (1.25×, 1.5×, 2×)
- Shareable URLs — encode your exact calculation in a link
- Hourly, daily, weekly, bi-weekly, and monthly breakdowns
What's Not Included
Local/city income taxes (e.g. NYC city tax, Philadelphia wage tax), 401k or HSA pre-tax contributions, health insurance premiums, state disability insurance, and other employer-specific deductions. Results are estimates for informational purposes — consult a CPA or tax professional for your specific situation.
About the Builder
Software developer and personal finance enthusiast. I built PayCalc.fyi because I kept getting asked "what does this salary actually pay per hour after taxes?" — and couldn't find a tool that gave a complete, state-specific answer without ads or paywalls.
I maintain the tax data annually and update brackets each year when the IRS and state revenue departments publish new figures.
Data Sources & Methodology
- Federal brackets: IRS Revenue Procedure for the 2026 tax year
- State brackets: Individual state department of revenue publications and Tax Foundation state tax data
- Standard deductions: IRS Publication 501 (federal); state revenue guidance for state-level deductions
- FICA wage base: Social Security Administration annual announcement
Tax law changes frequently. While we update annually, always verify important financial decisions with a qualified tax professional or the IRS directly at irs.gov.
Privacy
No personal data is collected. No cookies. Salary calculations happen entirely in your browser — nothing is sent to our servers. The only analytics tool used is Plausible Analytics, a privacy-first, GDPR-compliant platform that does not track individuals or use cookies. See the full Privacy Policy.