Take-home pay calculator · USA

Know your real paycheck
before payday.

Salary or hourly, any pay schedule, any state: Paycheck Pilot shows what lands in your account – after federal tax, Social Security, Medicare, state tax and your 401(k).

All 50 states + DC
2026 IRS & state tax tables
No account – stays on your phone

Coming soon to Google Play and the App Store.

Take-home pay of $2,325.65 per biweekly paycheck for an $85,000 salary in California with a stacked bar of taxes

Every deduction

Where every dollar goes.

Gross pay at the top, take-home pay at the bottom – and every line in between: federal income tax, Social Security, Medicare, state tax, disability insurance and your pre-tax savings.

Switch between paycheck, month and year with one tap.

Breakdown of one paycheck: federal income tax, Social Security, Medicare, California income tax, CA SDI and 401(k)

All 50 states + DC

From Alabama to Wyoming.

Brackets, standard deductions, exemptions and state payroll contributions like CA SDI or NJ family leave – for every state, checked against the official 2026 sources.

Each state shows its source. Local taxes such as NYC or Ohio city tax can be added as your own rate.

State picker listing Alabama to District of Columbia with each state’s tax rate range

Same salary.
Different paycheck.

In our example, $75,000 as a single filer means about $3,660 more take-home pay per year in Texas than in California. Your state matters – Paycheck Pilot shows by how much.

Compare offers

Which job really pays more?

Save each offer with its salary, state and 401(k) and see them side by side – take-home per year, per month and the gap to the best one.

With Pro. Ideal before you accept an offer or move to another state.

Three saved job offers in California, Texas and Washington with take-home pay per year and month

Raise & bonus

What’s left of your raise?

Enter a raise in percent or dollars, or a bonus – and see what actually lands in your account and how much of each extra dollar you keep.

Shows the flat 22% federal withholding many employers use on bonuses, too.

Raise calculator for a 5 percent raise and bonus calculator for a 5,000 dollar bonus

The difference

From guessing to knowing.

Surprised by your first paycheckYour take-home pay before day one
Comparing offers by gross salary onlyOffers side by side after taxes
No idea what a 401(k) costs you todaySee the effect of pre-tax savings
Generic calculators that ignore your stateState tax and payroll for all 50 + DC
Sign-ups and data collectionNo account – your numbers stay on your phone

Everything for your paycheck.

401(k) and HSA

Pre-tax savings with the 2026 limits – including catch-up contributions from age 50.

Every pay schedule

Weekly, every two weeks, twice a month or monthly. Salary or hourly with your hours.

Family & W-4

Filing status and dependents like on your W-4, including the 2026 child tax credit of $2,200.

Instant results

Every change recalculates right away – no button, no waiting, works offline.

Official sources

Every figure comes from the IRS, the SSA or the state’s revenue department – listed in the app.

Private

No account, no bank login. Everything you enter stays on your device.

states + DC with 2026 tax data

2026

federal brackets, FICA and limits

app languages: English and Spanish

Quick questions.

Who is Paycheck Pilot for?

For anyone paid in the US who wants to know their real paycheck: new jobs, job offers in other states, raises, bonuses, or deciding how much to put into a 401(k).

What does Paycheck Pilot cost?

The full calculator for all 50 states + DC is free and shows a small banner ad. Paycheck Pilot Pro (yearly subscription or one-time lifetime purchase) removes ads and adds job comparison, the raise and bonus calculators and unlimited saved jobs. The price is shown in the store.

How does Paycheck Pilot make money?

Through a banner ad in the free version and the optional Pro upgrade. We never sell your data, and the app has no account.

Is this tax advice?

No. Paycheck Pilot gives estimates based on the 2026 tax tables, the standard deduction and a W-4 from 2020 or later. Your employer’s payroll, local taxes, credits and other deductions can change the real amount. For decisions, check your pay stub or ask a tax professional.

Where do the tax numbers come from?

Federal brackets and limits come from the IRS (Rev. Proc. 2025-32, Notice 2025-67, Rev. Proc. 2025-19), the Social Security wage base from the SSA, and each state’s figures from its revenue department or statute. The app lists every source; where a state had not yet published 2026 values, it says so.

Are local taxes included?

City and county wage taxes (for example NYC, Philadelphia, Ohio cities or Maryland counties) vary by address, so the app shows a note for your state and lets you enter your local rate yourself.

Is my data safe?

Your salary and settings stay on your phone; there is no account. The free version shows Google AdMob banner ads (with the consent dialog required by law). The app also sends an anonymous usage ping (random install ID, app opens, purchases) to our own server – never your salary.

Which languages does the app speak?

The app is in English and Spanish. This website is also available in German, French and Italian.

Is there a sales tax calculator too?

Yes – our sister app Sales Tax & Tip Calculator covers sales tax for every state plus tip and bill splitting.

Get Paycheck Pilot.

Enter your pay, pick your state, see your paycheck.

Coming soon for Android and iPhone · estimate, not tax advice

Know your real paycheckbefore payday.