# USNetPay

> Free 2026 paycheck calculators for U.S. states and cities. Take-home pay after federal income tax, Social Security, Medicare, state and local income tax, built from IRS Publication 15-T and each state's official 2026 withholding tables. Last reviewed 2026-10-31.

Key 2026 federal facts used on every page:
- Federal withholding: IRS Publication 15-T (2026) percentage method for automated payroll; Worksheet 1A subtracts $8,600 ($12,900 married filing jointly) when the W-4 Step 2 box is not checked.
- 2026 standard deduction: $16,100 single, $32,200 married filing jointly, $24,150 head of household.
- Social Security: 6.2% up to a $184,500 wage base. Medicare: 1.45% plus 0.9% on wages over $200,000.
- W-4 Step 3: $2,200 per qualifying child under 17, $500 per other dependent.

## State calculators
- [Texas Paycheck Calculator](https://usnetpay.com/paycheck-calculator/texas/): Texas has no state income tax, so a Texas paycheck only loses federal income tax, Social Security (6.2%) and Medicare (1.45%). A $60,000 salary takes home about $50,390 a year for a single filer.
- [California Paycheck Calculator](https://usnetpay.com/paycheck-calculator/california/): California withholds state income tax at 1.1% to 14.63% under the EDD's 2026 Method B tables, plus 1.3% State Disability Insurance (SDI) with no wage cap. A $60,000 salary takes home about $47,807 a year for a single filer.
- [New York Paycheck Calculator](https://usnetpay.com/paycheck-calculator/new-york/): New York withholds state income tax at 3.9% to 11.7% under NYS-50-T-NYS (2026), plus Paid Family Leave (0.432%, up to $411.91) and disability insurance (up to $0.60 a week). New York City residents also pay city tax. A $60,000 salary takes home about $47,424 a year for a single filer.
- [Florida Paycheck Calculator](https://usnetpay.com/paycheck-calculator/florida/): Florida has no state income tax. A Florida paycheck only pays federal income tax, Social Security (6.2%) and Medicare (1.45%). A $60,000 salary takes home about $50,390 a year for a single filer.
- [North Carolina Paycheck Calculator](https://usnetpay.com/paycheck-calculator/north-carolina/): North Carolina's 2026 income tax rate is a flat 3.99%. Employers withhold at 4.09% (3.99% plus 0.1%) after a $12,750 standard deduction ($19,125 for heads of household). A $60,000 salary takes home about $48,457 a year for a single filer.
- [Illinois Paycheck Calculator](https://usnetpay.com/paycheck-calculator/illinois/): Illinois withholds a flat 4.95% of wages after a $2,925 exemption for each allowance claimed on Form IL-W-4. A $60,000 salary takes home about $47,565 a year for a single filer.
- [Pennsylvania Paycheck Calculator](https://usnetpay.com/paycheck-calculator/pennsylvania/): Pennsylvania withholds a flat 3.07% of compensation, plus 0.07% for unemployment. Philadelphia residents also pay a 3.735% city wage tax, and most other municipalities charge a local earned income tax. A $60,000 salary takes home about $48,506 a year for a single filer.
- [Ohio Paycheck Calculator](https://usnetpay.com/paycheck-calculator/ohio/): Ohio's withholding tables effective August 1, 2026 use three rates, 1.6%, 2.99% and 3.4%, after a $650 deduction per exemption. Most Ohio cities add a municipal income tax. A $60,000 salary takes home about $48,978 a year for a single filer.
- [New Jersey Paycheck Calculator](https://usnetpay.com/paycheck-calculator/new-jersey/): New Jersey withholds income tax at 1.5% to 11.8% using Rate Table A or B, plus SDI (0.19%), Family Leave Insurance (0.23%) and unemployment/workforce contributions (0.425%). A $60,000 salary takes home about $47,994 a year for a single filer.
- [Georgia Paycheck Calculator](https://usnetpay.com/paycheck-calculator/georgia/): Georgia cut its 2026 income tax to a flat 4.99%. Withholding applies 4.99% after a $15,000 standard deduction ($30,000 married filing jointly) and $5,000 per dependent. A $60,000 salary takes home about $48,145 a year for a single filer.

## City calculators
- [New York City Paycheck Calculator](https://usnetpay.com/paycheck-calculator/new-york/new-york-city/): New York City residents pay city income tax on top of New York State tax: 2.05% to 4.25% under the 2026 NYS-50-T-NYC tables, after a $5,000 deduction ($5,500 married). A $60,000 salary takes home about $45,396 a year for a single filer.
- [Philadelphia Paycheck Calculator](https://usnetpay.com/paycheck-calculator/pennsylvania/philadelphia/): Philadelphia residents pay a 3.735% city wage tax on top of Pennsylvania's 3.07%, for pay dates from July 1, 2026. Nonresidents working in the city pay 3.425%. A $60,000 salary takes home about $46,265 a year for a single filer.

## Reference
- [How we calculate](https://usnetpay.com/methodology/): exact formulas, assumptions and official sources for every state.
- [About](https://usnetpay.com/about/)