The person behind the calculator
Enter a salary and state to estimate take-home pay. The calculators don't require an account, and you can use them without buying anything.
A starting point for pay decisions
The paycheck calculator uses 2026 federal brackets, the Social Security wage base, Medicare rates and a simplified income-tax rate for each state. Related tools cover raises, overtime and other pay questions.
I build and run the tools myself. You can send a bug report or feature request through the contact links below.
What the estimate leaves out
The main paycheck estimate isn't an official paystub. It excludes pre-tax deductions such as 401k and HSA contributions, local or city taxes, and credits. Your actual deposit can differ.
Check an employer estimate or paystub before relying on a figure for a job decision. Tax data was last reviewed in August 2026.
| Federal brackets and standard deduction | IRS (2026) |
| Social Security and Medicare | SSA.gov / IRS (2026) |
| State income-tax rates | State revenue departments (2026) |
If a figure looks wrong, email the inputs you used and the result you expected. Please leave out account numbers and other private financial details.
Plan the cash gap between jobs
The Job Change Decision Kit is no longer sold. Its free cash-gap example still shows how the date of your first new paycheck changes your lowest balance.
Enter a deposit date and amount. The example shows the lowest balance and the extra cash you need for a $200 buffer.
Try the free cash-gap exampleSupport the tools or get the membership
The calculators remain free to use. These are the existing zovo.one membership options.
- Your feature requests near the top of my queue
- Early access to tools still in testing
- Supports keeping every calculator free to use
- No subscription, nothing to cancel
- Lifetime access to every tool on zovo.one, live now and not yet shipped
- The zovo.one Chrome extension and BeLikeNative, included
- No subscription, no monthly fee, no per-tool charge
- Your requests jump the queue
Tools, code and contact
Visit zovo.one for the wider toolset and memberships. My public code is on GitHub.
For membership questions, kit access, or a question before buying, email support@zovo.one.
Try the free calculator
Estimate take-home pay for your salary and state. No purchase is needed.
Open the paycheck calculator