Change any value to update the result.
845.50$
Take-home pay: 845.50 $Personal inputs stay on this device. Sharing sends the calculator page without these values.
A single filer on $1,000 a week in 2026 keeps $845.50 before state tax after $78 federal, $62 Social Security and $14.50 Medicare. The state figure is an estimate even if its statutory rate is flat, because state allowances and withholding rules are not modeled.
Held fixed: Gross pay per pay period 1,000.00 $, Pay frequency Weekly (52 a year), Filing status (Form W-4, Step 1c) Single or married filing separately, Pre-tax deductions, 401(k) type 0.00 $, State income tax rate 0.00 %, Social Security wage base (year) 184,500 $, Social Security rate, employee 6.20 %.
| Medicare rate, employee (%) | Take-home pay ($) |
|---|---|
| 0.00 | 860.00 |
| 0.50 | 855.00 |
| 1.00 | 850.00 |
| 1.45Your value | 845.50 |
| 1.50 | 845.00 |
| 2.00 | 840.00 |
| 2.50 | 835.00 |
845.50$
Open with these values2,000.75$
Open with these values13,717.75$
Open with these valuesnet = gross − pre-tax − federal withholding − Social Security − Medicare − state tax
Federal withholding is not a flat share of your pay. Publication 15-T tells an employer to annualise the pay period, subtract a fixed W-4 amount — $12,900 filing jointly, $8,600 otherwise — and look the result up in a bracket schedule that starts at 0% and climbs to 37%. The annual figure is then divided back over the pay periods, so a raise mid-year changes every remaining paycheck.
Social Security and Medicare work differently: 6.2% and 1.45% of gross pay, with no allowance and no brackets. Social Security stops once the year's wages pass the wage base, $184,500 in 2026; Medicare never stops, and adds 0.9% above $200,000 a year. This calculator spreads both evenly across the year rather than front-loading Social Security the way real payroll does, so the annual total is right and a single high-earning paycheck is not.
State tax uses one rate you enter. A zero rate correctly represents states with no wage income tax. In flat-rate states the statutory rate may be right, but state allowances, deductions or payroll certificates can change the withholding base.
This calculator does not model those rules, so its state figure is approximate even for a flat-rate state. Graduated brackets and local taxes add further differences. Withholding is an estimate paid toward the eventual tax bill, which the return settles.
The brackets, the $12,900 and $8,600 W-4 amounts and the dollar rounding are IRS Publication 15-T for 2026. The wage base and the FICA rates are Publication 15 and the Social Security Administration.
A zero rate covers states with no wage income tax. Even a correct flat statutory rate does not reproduce state withholding, because state-specific allowances, certificates and formulas can change the withholding base. This calculator omits those rules, brackets and local taxes; treat the state figure as an estimate.
The employer pays in what the W-4 and the table say. Credits for children, a second job, itemised deductions or other income all move the real liability, and the return settles it.
The deduction field lowers federal and state taxable wages but not Social Security and Medicare wages, which is how a 401(k) deferral behaves. Health premiums under a Section 125 plan lower FICA wages too, so this calculator understates their benefit.
MisconceptionMy marginal rate is 22%, so 22% of my paycheck goes to federal tax.
CorrectionThe 22% applies only to the part of the annual wage above that bracket's floor. On $1,000 a week the whole federal withholding is $78, about 7.8% of gross.
MisconceptionSocial Security is 6.2% of everything I earn.
CorrectionIt stops at the wage base, $184,500 in 2026, so the maximum an employee pays is $11,439. Medicare has no ceiling and adds 0.9% above $200,000.
MisconceptionMy 401(k) contribution cuts every tax on my paycheck.
CorrectionA 401(k) deferral lowers federal and state taxable wages only. Social Security and Medicare are still charged on the full gross.
MisconceptionI entered my state's top marginal rate as my withholding rate.
CorrectionA top marginal rate is not an individual withholding rate, and flat-rate states can have allowances and deductions this calculator omits. Treat every nonzero state figure here as an estimate.
| Weekly gross, single filer | Federal withholding | Social Security + Medicare | Take-home |
|---|---|---|---|
| $600 | $30 | $45.90 | $524.10 |
| $800 | $54 | $61.20 | $684.80 |
| $1,000 | $78 | $76.50 | $845.50 |
| $1,200 | $102 | $91.80 | $1,006.20 |
| $1,400 | $138 | $107.10 | $1,154.90 |
For a single filer earning $1,000 a week in 2026, $78 goes to federal withholding, $62.00 to Social Security and $14.50 to Medicare, leaving $845.50 before any state tax. The federal share rises faster than pay because the brackets are graduated.
IRS Publication 15-T annualises the pay period, subtracts $12,900 for joint filers or $8,600 otherwise, and applies the year's bracket schedule. The annual tax is then divided by the number of pay periods and may be rounded to the nearest dollar.
It is $184,500, up from $176,100 in 2025. Once your wages for the year pass it, no further Social Security tax is withheld, capping the employee share at $11,439.
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. For a paycheck in any of them the state rate here is 0.
The W-4 has fields this calculator leaves out — dependent credits, other income, extra withholding and the two-job checkbox — and each moves the federal figure. Local taxes, unemployment insurance in a few states and post-tax deductions also come off the real stub.
No. A 401(k) deferral lowers wages for federal and state income tax but not for Social Security and Medicare. Health premiums paid through a Section 125 plan do lower FICA wages, which this calculator does not model.
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