About TakeHomeTool
What we do
TakeHomeTool provides free paycheck calculators for all 50 U.S. states. Every calculation runs in your browser using 2026 IRS Publication 15-T methodology and current state tax rates.
Enter your gross pay, pay frequency, and filing status — and see a complete breakdown of federal income tax, Social Security, Medicare, and state income tax in seconds.
How the calculations work
All calculations use the IRS annualization method from Publication 15-T (the same method employers use for withholding). Federal tax brackets are from the 2026 IRS tables. State income tax data is compiled from each state's Department of Revenue.
This is an estimator. Actual withholding depends on your W-4 elections, employer payroll system, local taxes, and year-to-date wages. For payroll-grade precision, consult your employer's payroll department.
Data sources and accuracy
- Federal brackets: IRS Revenue Procedure 2025-28 (2026 inflation adjustments)
- Social Security wage base: Social Security Administration announcement for 2026
- State tax rates: Each state's Department of Revenue, verified for 2025/2026
- Last updated: January 2026
We update this tool each January after the IRS publishes new inflation adjustments and after states announce any rate changes.
Contact
Found an error or have a suggestion? We want to hear from you. Accurate tax data matters and we take corrections seriously.