Netwise Paycheck Calculator
See your 2026 paycheck after federal, FICA and state taxes, per check and per year.
Netwise Paycheck Calculator turns a salary or hourly wage into 2026 take-home pay. It applies the IRS Publication 15-T (2026) percentage method for federal withholding with your Form W-4 choices, Social Security up to the 2026 wage base, Medicare and Additional Medicare, pre-tax 401(k), HSA and health premiums, and your state's income tax and employee payroll taxes such as California SDI or New Jersey FLI. Compare two scenarios side by side and download a PDF estimate and a CSV with one row per 2026 paycheck.
What it does
- Federal withholding by the IRS Pub. 15-T 2026 percentage method, including W-4 Step 2, Step 3 dependents and Step 4(a)-(c)
- Social Security (6.2% to $184,500), Medicare (1.45%) and Additional Medicare (0.9% over $200,000), check by check
- State income tax withholding and state payroll taxes (SDI, paid family leave, WA Cares) with sources for each state
- Salary, hourly with overtime, or gross per check; weekly, biweekly, semimonthly or monthly
- Side-by-side comparison: two job offers in different states, or a higher 401(k) percentage
- PDF estimate and a CSV with one row per 2026 paycheck
Try asking ChatGPT
Limitations
- Estimates only: not a pay stub, not payroll, and not tax advice; your employer's payroll system may round differently
- Tax year 2026 only; US federal and the states listed as supported; other states return federal and FICA only
- Local income taxes are included only where noted (for example New York City); most city, county and school district taxes are not
- Does not model bonuses or supplemental wages, tips, pre-2020 Forms W-4, or self-employment tax
Connect
Install Netwise Paycheck Calculator from the ChatGPT plugin directory. Developers can connect the MCP endpoint directly: https://paycheck-calculator.zovo.one/mcp