TakeHome Paycheck Calculator
Ask ChatGPT what you will actually take home. TakeHome calculates 2026 net pay per paycheck, per month and per year from a salary or hourly wage, and compares job offers across states.
- "What's my take-home pay on $95,000 in Colorado, paid biweekly?"
- "I make $28 an hour, 45 hours a week in Ohio. What's my weekly paycheck after taxes?"
- "Compare $140k in New York City with $120k in Austin after taxes."
- "How much more do I take home if I put 10% in my 401(k)?"
What it covers
- Federal income tax with 2026 brackets and standard deductions (IRS Rev. Proc. 2025-32), child tax credit, and the deductions for qualified tips, overtime premium pay and seniors.
- Social Security (6.2% up to $184,500) and Medicare, including the additional 0.9% over $200,000.
- State income tax for all 50 states and DC, using 2026 rates where enacted.
- City and county income taxes: New York City, Yonkers, Philadelphia, Pittsburgh, Detroit, Columbus, Cleveland, Cincinnati, Kansas City, St. Louis, Louisville, Wilmington, Portland and Multnomah County, and all Maryland counties.
- State payroll deductions such as California SDI, New Jersey and New York disability and family leave, and paid leave programs in Washington, Massachusetts, Oregon, Colorado, Connecticut, Minnesota, Maine and Delaware.
- Traditional 401(k) and pre-tax benefits, bonuses, hourly overtime, and filing status.
How the estimate works
TakeHome computes your estimated 2026 annual tax liability and spreads it evenly over your paychecks. Actual withholding depends on your W-4 and your employer's payroll system, so individual paychecks can differ. Some state rules are simplified, including high-income phase-outs in a few states. Results are estimates for planning, not tax, legal or financial advice.
Sources
Federal figures: IRS Revenue Procedure 2025-32 and Publication 15. State figures: Tax Foundation's 2026 state income tax table, cross-checked against state revenue department publications, plus state labor department rate notices for payroll programs.
Connect
Find TakeHome in the ChatGPT plugin directory, or add it in developer mode with the MCP endpoint /mcp on this domain.