Pay Stub Calculator 2026

The pay stub calculator estimates one paycheck, line by line, in the order a pay stub lists it. Fill it in from the top:

1. Choose how to enter your pay: Gross pay for one paycheck, Hourly with your rate, regular hours and any overtime hours, or Annual salary.
2. Add any additional taxable earnings in this paycheck, such as a commission or a bonus, and say whether they are paid in every paycheck or in this one only.
3. Pick how often you are paid, where you work, any local income tax and your filing status.
4. Under Advanced options, add the 401(k), health insurance, HSA or other deductions shown on your current pay stub.
5. Press Calculate.

The result lists your earnings, pre-tax deductions, taxes, any after-tax deductions and the estimated net pay, with a yearly summary underneath. You can copy it as text or print it. Everything is worked out in your browser: nothing you type is sent to a server, written into the page address or saved in cookies or browser storage.

To plan take-home pay for a whole year from a salary, the US Paycheck Calculator shows it per year, month and paycheck. This page is for reading one paycheck the way a pay stub shows it.

A pay stub, also called a pay slip or earnings statement, is the summary an employer gives with each paycheck. It shows what you earned in the pay period, what was taken out and why, and what was paid to you. Most stubs have the same four parts:

• Earnings: regular pay, overtime and any other pay, adding up to gross pay
• Pre-tax deductions: amounts taken out before income tax, such as a traditional 401(k)
• Taxes: federal income tax, Social Security, Medicare and any state or local taxes
• Net pay: what is left, the amount paid into your account

A real pay stub also shows year-to-date totals and details about you and your employer. This calculator does neither. It is a paycheck estimate calculator for planning — what a paycheck might look like at a new rate, with more hours or with a different 401(k) contribution — not a document.

Gross pay is everything a paycheck pays before anything comes out. Net pay is what reaches you. As a gross to net pay calculator, this page works through the same steps a payroll system does:

• Gross pay = regular pay + overtime pay + additional earnings
• Net pay = gross pay − taxes − pre-tax deductions − after-tax deductions

Pre-tax deductions come out first, which lowers the pay that income tax is worked out on. Taxes are then taken from what remains, and after-tax deductions, such as a Roth 401(k), come out last. The result also shows net pay as a share of gross pay, so you can see how much of each dollar you keep.

The estimate shows only the tax lines that apply to your paycheck, each worked out with the CalcPaid 2026 tax model:

• Federal income tax: worked out for the year from your pay, pre-tax deductions and filing status, then divided by the number of paychecks.
• Social Security: 6.2% of wages up to the 2026 wage base of $184,500.
• Medicare: 1.45% of all wages, with no wage base.
• Additional Medicare: a further 0.9% on wages above $200,000 for single filers, shown only when your pay reaches it.
• State income tax: for the 50 states and DC, using each state’s own rules. States with no income tax on wages show no line.
• State payroll contributions: employee contributions some states require, such as disability insurance or paid family leave.
• Local income tax: for the cities and counties in the CalcPaid model, or a rate you enter where your state allows one.

Taxes your employer pays on top of your wages, such as its own share of Social Security and Medicare and unemployment taxes, are not deducted from your pay, so this pay stub tax calculator does not show them.

Deductions are amounts taken from your pay for benefits and savings. When they are taken matters, because it decides which taxes they lower:

• Traditional 401(k): lowers federal and most state income tax, but not Social Security or Medicare.
• Health, dental and vision insurance, HSA and FSA: usually taken before income tax and before Social Security and Medicare.
• Roth 401(k) and other after-tax deductions: taken after taxes, so they lower net pay without lowering any tax.

Used as a pay stub deductions calculator, the page shows only the deductions you enter, each on its own line, with totals for pre-tax deductions and for all deductions. Enter amounts per paycheck, as they appear on your current pay stub, or switch to yearly amounts. A 401(k) can be a percentage of pay or a dollar amount.

A single filer in Texas, paid every two weeks at $25.00 an hour, works 80 regular hours and 5 overtime hours paid at time and a half, with no deductions. Texas has no state income tax on wages, so there is no state line:

The net pay is 84.2% of gross pay. The calculator does not decide whether hours count as overtime; it pays the overtime hours you enter at the rate you choose. To compare overtime rates or weeks, use the Overtime Pay Calculator; for a paycheck from hours worked each week, the Hourly Paycheck Calculator.

A single filer in Illinois earns a $65,000 salary, paid every two weeks, puts 5% into a traditional 401(k) and pays $100 a paycheck for health insurance:

The net pay is 71.8% of gross pay. Social Security and Medicare are worked out on $2,400, because the health insurance comes out before them and the 401(k) does not. To see what a salary is per hour, use the Salary to Hourly Calculator; to see how a raise changes it, the Pay Raise Calculator.

How often you are paid sets how many paychecks share your yearly pay. The same $65,000 salary gives a different paycheck at each frequency, before taxes and deductions:

• Weekly: 52 paychecks a year — $1,250.00 each
• Every two weeks (biweekly): 26 paychecks — $2,500.00 each
• Twice a month (semimonthly): 24 paychecks — $2,708.33 each
• Monthly: 12 paychecks — $5,416.67 each

In gross pay and hourly modes you enter the pay or hours for one paycheck, so the frequency decides how many of those paychecks make a year, which is what income tax is worked out on. Biweekly and semimonthly sound alike but differ by two paychecks a year.

The figures are estimates from the CalcPaid 2026 tax model, the same model as the paycheck calculator. They are a close guide, not a payroll record:

• It is not an official pay stub, not proof of income and not payroll software. It has no fields for a name, employer, address or ID number.
• Income tax is worked out for the year and divided evenly across paychecks. Your employer’s withholding tables, your W-4 and its rounding can give a slightly different number, so this is not a promise of what will be withheld.
• Social Security is spread evenly across the year. On a real pay stub it stops once your wages for the year pass the wage base.
• A one-time amount, such as a bonus, is taxed as part of your income for the year. Employers often withhold from it at a flat supplemental rate instead.
• Employer-paid costs are not shown, because they are not taken from your pay.
• Local income tax covers only the localities in the CalcPaid model, or a rate you enter where your state allows one. Other local taxes and fees are not included.
• Where a state’s rules change sharply at a set income, the estimate follows them as modeled, so a small change in pay can move a line by more than you might expect.
• The federal deduction for qualified overtime pay is not applied here. The US Paycheck Calculator and the Hourly Paycheck Calculator accept it under Advanced options.

• US Paycheck Calculator — estimate take-home pay per year, month and paycheck after federal, state and payroll taxes.
• Hourly Paycheck Calculator — estimate take-home pay from an hourly rate and the hours you work each week.
• Overtime Pay Calculator — work out overtime pay at time and a half, double time or another rate.
• Bonus Paycheck Calculator — estimate the taxes on a one-time bonus and what you keep after them.
• Salary to Hourly Calculator — convert a salary to an hourly rate, or hourly pay to a salary.
• Pay Raise Calculator — work out a raise by percentage, amount or new salary, and the new pay per paycheck.
• Time Card Calculator — add up a week of clock-in and clock-out times to get the regular and overtime hours for a stub.