Your hourly take-home pay is your gross hourly wages minus federal income tax (2026 IRS brackets), Social Security (6.2%), Medicare (1.45%), and state income tax. For a $20/hour worker in Texas at 40 hours/week, take-home is approximately $14.80–$15.40/hour after all federal taxes.
Hourly Paycheck Calculator 2026
Enter your hourly rate and hours worked to see exactly what you take home after federal, state, and FICA taxes. Overtime at 1.5× included. All 50 states. 2026 IRS rates.
Last updated: September 2026 — rates sourced from IRS Publication 15, SSA & state revenue departments
Enter Your Details2026 Rates
$
At 1.5× your regular rate
How hourly paycheck taxes work in 2026
When you earn an hourly wage, your employer withholds federal income tax, Social Security (6.2%), Medicare (1.45%), and state income tax from each paycheck. Understanding each component helps you verify your pay stub and plan your budget accurately.
Gross pay = (regular hours × rate) + (overtime hours × rate × 1.5). Under the FLSA, overtime is required for non-exempt employees working over 40 hours per week. Some states — California, Colorado, Alaska — require daily overtime for hours over 8 in a workday.
Federal income tax is calculated by annualizing your per-period gross wages, subtracting the 2026 standard deduction ($15,000 single, $30,000 married), then applying marginal brackets from 10% to 37%. The result is divided back to a per-paycheck withholding amount.
For the complete paycheck with 401(k), health insurance, and post-tax deductions, use the Free Payroll Calculator. To see your employer's matching FICA cost, use the Employer Tax Calculator.
Net Take-HomePer Paycheck
Enter your details and click Calculate.
Net Take-Home Pay
$0.00
per paycheck
Gross Pay
Gross pay
$0.00
Federal Taxes
Federal income tax
−$0.00
Social Security (6.2%)
−$0.00
Medicare (1.45%)
−$0.00
State Tax
State income tax
−$0.00
Net take-home pay
$0.00
Annualized
Annual Gross
$0
Annual Net
$0
Total Tax
$0
Eff. Tax Rate
0.0%
Disclaimer: Results are estimates based on 2026 IRS Publication 15 rates, SSA wage base, and published state tax schedules. Not a substitute for licensed payroll software or professional tax advice.
FAQ
Hourly Paycheck Calculator questions answered
Multiply your hourly rate by hours worked to get gross pay, then add overtime hours × rate × 1.5. From that gross amount subtract: Social Security (6.2%), Medicare (1.45%), federal income tax using 2026 IRS Publication 15-T brackets, and your state income tax. The remainder is your net take-home pay.
Overtime wages are taxed at the same marginal rates — there is no special overtime tax rate. However, overtime pushes your annualized income higher, which may move more of your income into a higher federal bracket. The effective tax increase on overtime is usually small for most workers.
FICA takes 7.65% total: Social Security at 6.2% (on wages up to $176,100 in 2026) plus Medicare at 1.45% on all wages. Your employer matches this amount separately. High earners above $200,000 ($250,000 married) pay an additional 0.9% Medicare surcharge.
Nine states have no individual income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Workers in these states only pay federal income tax and FICA, keeping significantly more per paycheck than workers in high-tax states like California (up to 13.3%) or New York (up to 10.9%).