Updated for 2026 Tax Rates

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Find your exact take-home pay by state, compare salary vs hourly, and calculate mortgage payments. Free, instant, no sign-up.

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Quick Paycheck Estimate
Monthly take-home —
Annual net
—
Federal tax
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State tax
—
Effective rate
—

Estimate only — excludes local taxes & deductions. Full breakdown →

50
US states covered
4
Countries supported
2026
Tax rates updated
Free
No sign-up needed
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Salary Calculator

Most popular

Full tax breakdown for US (all 50 states), UK, Canada & Australia. Includes 401k, health insurance, and super deductions. Updated 2026 tax rates.

US · UK · Canada · AUAll 50 states
Calculate now →

Mortgage Calculator

Monthly payment, total interest cost, and full amortization schedule. Adjust down payment, loan term, and interest rate instantly.

Amortization chartInstant results

Loan Calculator

Total interest cost, monthly repayment, and repayment schedule for any personal, auto, or student loan. Compare loan terms side by side.

Repayment scheduleAny loan type

Hourly to Salary

Convert any hourly rate to annual, monthly, biweekly, and weekly salary. Supports full-time and part-time schedules with overtime.

All pay periodsPart-time & OT

Net Pay Calculator

See your exact net pay per week, biweekly, semi-monthly, and monthly paycheck — after federal, state, and FICA tax. All 50 states.

Weekly · Biweekly · MonthlyAll 50 states

Tax Withholding Calculator

Estimate your federal withholding per paycheck based on your W-4: filing status, dependents, other income, and deductions.

W-4 based2026 rates
Popular searches
By state — most searched
View all 50 states →
All 50 states coveredEvery state calculator updated for 2026 tax rates
California Texas New York Florida Washington Colorado
Hourly wages

See the full-time annual salary, monthly pay, and after-tax take-home for any hourly rate.

$15 an hour $20 an hour $25 an hour $30 an hour $40 an hour $50 an hour
Annual salaries

Convert any yearly salary into an hourly rate, plus what it actually means for your monthly budget.

$40k a year $50k a year $60k a year $75k a year $100k a year $120k a year
International

Full salary tax breakdowns outside the US, each updated for current 2026 tax brackets and rates.

United Kingdom
Canada Australia
Mortgage

Monthly payment estimates by loan size, based on current 2026 average mortgage rates.

$200k $300k $400k $500k $600k $700k
Affordability
Find your realistic home price range using the 28% rule, by salary level.
$40k salary $60k salary $80k salary $100k salary $120k salary $150k salary
See it before you click

Every calculator shows you
exactly where your money goes

No walls of numbers. Just a clear breakdown of taxes, deductions, and take-home pay — built fresh from official 2026 rates every time you calculate.

$75,000/Year — Where It Goes Single filer · no state tax · effective rate 18.9% $60,825 Federal tax: $7,237 FICA: $5,738 Take-home: $60,825 Generated instantly — try your own number above ↑
Why PayCalcHub
Accurate 2026 Data
Updated January 2026 · 50 states covered
Official IRS brackets, FICA rates, all 50 state tax schedules, and FHFA conforming loan limits — verified every year.
Private by Design
0 bytes of financial data sent to servers
All calculations run in your browser. Your salary and financial inputs never leave your device — no accounts, no tracking.
Always Free
No paywalls · No sign-up · No premium tiers
Every calculator, guide, and data table is free to use. Financial clarity is a right, not a product.
Common Questions
How accurate are these calculators? +
All calculators use the latest 2026 federal tax brackets, FICA rates, and standard deductions. State tax rates are updated annually. Results are estimates — your actual take-home pay depends on your specific deductions, filing status, and employer benefits. Use our Salary Calculator for a detailed breakdown including 401k and health insurance.
Which calculator should I start with? +
If you earn an hourly wage, start with the Hourly to Salary Calculator. For an annual salary take-home estimate, use the Salary Calculator — it covers all 50 US states plus UK, Canada, and Australia. For homebuying, try the Affordability Calculator.
How much house can I afford on my salary? +
The standard rule is that housing costs should not exceed 28% of your gross monthly income. On a $60,000 salary that is about $1,400/month — supporting a home price around $184,000–$276,000 depending on your down payment and rate. See our full affordability guide for your exact salary.
What is the difference between gross and net salary? +
Gross salary is your total pay before any deductions. Net salary (take-home pay) is what you receive after federal income tax, FICA (Social Security + Medicare), state income tax, and voluntary deductions like 401k or health insurance. For most Americans, net pay is 70–85% of gross pay depending on income level and state.
Are these calculators free? +
Yes — every PayCalcHub calculator is completely free. No sign-up, no account required, and no data is ever stored or sent to our servers. All calculations happen entirely in your browser.
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