State Paycheck Calculator
Take-home pay per week, fortnight or month after FICA, a federal estimate and state income tax in your state.
About State Paycheck Calculator
State Paycheck Calculator — estimates take-home pay per paycheck after federal tax, FICA, and state income tax. Gross pay is annualized by pay frequency, then three deductions come off: FICA at 7.65% for the employee half of Social Security and Medicare, a flat 12% federal estimate on income above the standard deduction, and state income tax at the state rate on the same base. The remainder is divided back to one pay period. The standard deduction used is 14,600 single and 29,200 married (IRS tax-year 2024), carried from the 51 per-state paycheck pages this replaces. The flat 12% federal estimate is a simplification, not a bracket walk, so it understates tax for higher earners - use the tax bracket calculator for a graduated federal figure. IRS tax-year 2024 adjustments: https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024
Formulas
Paycheck annualize
Annual gross = gross per period × periods per year
Paycheck net
Net annual = annual gross - FICA - federal estimate - state tax
Paycheck take-home
Take-home per period = net annual / periods per year
Worked example
With the default values below, State Paycheck Calculator returns Take-Home Per Period of $2,309.59. Change any input above and every figure here is recalculated in your browser.
Inputs used
- Stateone of Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
- Illinois
- Your state tax rateaccepts 0–60
- Gross payminimum 0
- 3,000
- Perone of Week, 2 weeks, Month
- Week
- Filingone of Single, Married
- Single
Results
- Take-Home Per Period
- $2,309.59
- Net Annual
- $120,098.70
- Federal Est.
- $16,968.00
- FICA
- $11,934.00
- State Income Tax
- $6,999.30
- State rate used
- 4.95% (verified)
- Tax year
- 2026
- Source
- https://tax.illinois.gov/research/taxrates/income.html
Step by step
- 1Values used
- 2Paycheck annualize
- 3Paycheck net
- 4Paycheck take-home
- 5Take-Home Per Period= 2,309.59
- 6Net Annual= 120,098.70
- 7Federal Est.= 16,968.00
- 8FICA= 11,934.00
- 9State Income Tax= 6,999.30
- 10State rate used= 4.95% (verified)
Assumptions and limits
- The result is derived only from the 5 inputs listed above. Anything not among them is not part of the calculation.
- In particular, this calculator does not take inflation or fees or charges into account.
- Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
- Approximate estimate, not official payroll. Federal figures are a flat approximation using tax-year 2024 standard deductions.
- This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.
How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.
Approximate estimate, not official payroll. Federal figures are a flat approximation using tax-year 2024 standard deductions.
Frequently Asked Questions
Why does my real paycheck differ from this?
Your W-4 choices, pre-tax deductions such as health premiums, HSA and 401(k) contributions, post-tax deductions, and any city or county income tax all change the net figure. The federal part here is also a flat estimate rather than the bracket calculation your employer's tables perform.
Is the Social Security wage cap applied?
No. FICA is charged at a flat 7.65 percent on all annualised pay, which is accurate up to the Social Security wage base and overstates the deduction above it. High earners should treat the FICA line as an upper bound.
How does the filing status selection affect the result?
The calculator uses the federal standard deduction: 14,600 for single filers and 29,200 for married filers (tax year 2024). A married filing status doubles the deduction, which lowers the taxable base for both the federal estimate and the state tax, increasing take-home pay. Head of household is not separately modeled here; choose the closest match.
Does this account for pre-tax benefits like 401(k) or HSA?
No. Pre-tax deductions reduce your taxable wages before FICA and income tax are calculated. To model them, subtract your annual pre-tax contributions from the gross pay you enter. For example, if you earn 3,000 per week but defer 200 to a 401(k), enter 2,800 as gross pay for a closer estimate.
Why does it say the rate is not verified for my state?
Because the figure the old per-state page used could not be matched to a current publication from that state's revenue department, or the state uses a graduated schedule that a single rate cannot represent. Rather than show a number with no provenance, the calculator asks you for the rate from your own notice or return and then uses exactly that.
How do I use my own rate?
Type it into the state rate field. Anything you enter wins over the built-in rate, and the result panel then labels the rate as yours rather than verified. Clearing the field goes back to the verified rate. A rate of 0 counts as blank, so to model a state with no income tax select one that has a verified 0%.
Which tax year does the state rate belong to?
The result panel prints it. Each verified rate is stored with the tax year it was published for and a link to the page it was read from, so you can check it before relying on the figure. Unverified states show neither, because there is nothing to show.