# PaycheckNew

> US take-home pay calculator. Enter a salary or hourly rate and a state, and see
> what actually reaches your bank account after federal income tax, Social
> Security, Medicare, state income tax and any local tax. All 50 states and DC,
> 2026 rates. Free, no account, nothing is sent to a server.

The name is the point: it answers what your *new* paycheck looks like, before you
accept the offer, take the raise, or move state.

## The whole rate table as JSON

https://paychecknew.us/rates.json is every figure on this site in one free file: federal
brackets, deductions, FICA and the child tax credit for five tax years, and the
rate schedule, deductions and exemptions for all 51 jurisdictions. Each state
names the department document its numbers were read from and the date it was
checked. A `verification` block records, per state, the exact figure that
document printed and which this engine reproduces before the site is allowed to
build. Free to use with attribution and a link. Documented at
https://paychecknew.us/tax-data/.

## Markdown for agents

Every page on this site is available as Markdown. Send `Accept: text/markdown`
and you get the page as Markdown instead of HTML: YAML frontmatter with the
title, description and image, the body, and the page's JSON-LD in a fenced
json block at the end. The response carries `Vary: Accept`.

    curl -H "Accept: text/markdown" https://paychecknew.us/fica/

It is about 94% smaller than the HTML, because the Markdown is generated from
the same build rather than scraped back out of a rendered page: the calculator
form, the icons and the navigation are never in it, only the content and the
tables. Prefer it over parsing the HTML.

## Key figures, 2026

These are the answers to the most common questions, stated here so they can be
quoted directly.

- Federal standard deduction: $16,100 single, $32,200 married filing jointly, $24,150 head of household.
- Federal income tax: seven brackets from 10% to 37%. A single filer's 10% band ends at $12,400 of taxable income; the 37% band begins at $640,600.
- FICA: 6.2% Social Security on wages up to $184,500, plus 1.45% Medicare on all wages, 7.65% in total. Employers pay the same again. An extra 0.9% Medicare applies above $200,000 single or $250,000 married.
- Nine states levy no income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming.
- On a $60,000 salary, a single filer keeps $50,390 in Texas ($9,610 of tax) and $45,397 in Oregon, the heaviest of the 51 jurisdictions. The spread across the country is $4,993 a year on identical gross pay.
- A standard full-time year is 2,080 paid hours: 40 hours over 52 weeks, including paid holidays.

## Calculators

- [Paycheck calculator](https://paychecknew.us/): salary or hourly, filing status, pay frequency, state, tax year (2022-2026), dependants, 401(k), health/HSA/FSA, local tax. Compares two states side by side.
- [By state](https://paychecknew.us/paycheck-calculator/): 51 pages, one per state and DC, each with that state's brackets, standard deduction, payroll programmes and take-home tables.
- [Hourly to salary](https://paychecknew.us/hourly-to-salary/): $14 to $100 an hour as an annual figure, before and after tax, 46 rates.
- [Salary to hourly](https://paychecknew.us/salary-to-hourly/): $20,000 to $200,000 a year as an hourly rate, 80 figures.

## Reference

- [Paycheck deductions](https://paychecknew.us/paycheck-deductions/): the six layers between gross and net, in the order payroll applies them. Parent page for everything below.
- [Federal tax brackets](https://paychecknew.us/federal-tax-brackets/): the 2026 schedule, marginal versus effective.
- [Standard deduction](https://paychecknew.us/standard-deduction/): amounts by filing status and year, the extra amount at 65, standard versus itemised.
- [FICA](https://paychecknew.us/fica/): Social Security and Medicare, the wage base, self-employment tax, what employers pay.
- [Net pay](https://paychecknew.us/net-pay/): gross to net line by line, and how many paychecks each frequency gives.
- [Effective tax rate](https://paychecknew.us/effective-tax-rate/): the two rates people confuse, with a calculator.
- [Working in another state](https://paychecknew.us/working-in-another-state/): reciprocity agreements, non-resident returns, remote work and the convenience-of-employer rule.
- [Working days in a year](https://paychecknew.us/working-days-in-a-year/): where 2,080 comes from and when to use 2,000 instead.

## Guides

Short answers to the questions a paycheck raises, each with computed 2026 figures.
- [How to read a US pay stub, line by line](https://paychecknew.us/blog/how-to-read-your-pay-stub/): What each line on a pay stub means, in the order payroll applies it, with a $60,000 example showing how gross becomes net in 2026.
- [Form W-4 explained: how it decides your withholding](https://paychecknew.us/blog/w-4-explained/): What each step of the W-4 does to your paycheck, why the form has no allowances any more, and how to set it so you neither owe nor over-withhold.
- [How bonuses are taxed, and why the check looks so small](https://paychecknew.us/blog/how-bonuses-are-taxed/): Supplemental wages are withheld at a flat 22% federal rate, which is often more than your normal rate, but the bonus is taxed as ordinary income when you file.
- [Traditional or Roth 401(k): what changes on your paycheck](https://paychecknew.us/blog/traditional-vs-roth-401k-paycheck/): The same contribution, two different paychecks. A traditional 401(k) lowers today's tax and a Roth does not, with the exact difference on a $60,000 salary.
- [Moving to another state: what happens to your paycheck](https://paychecknew.us/blog/moving-to-another-state-paycheck/): The same salary differs by thousands a year between states. What changes on your first check after a move, and what to tell payroll.
- [Overtime pay: how time and a half is taxed](https://paychecknew.us/blog/overtime-and-time-and-a-half-tax/): Overtime is taxed as ordinary wages, but a big check can be withheld at a higher rate. The rule, and the maths on time and a half.
- [W-2 versus 1099: the real take-home difference](https://paychecknew.us/blog/w2-vs-1099-take-home/): A 1099 contractor pays both halves of FICA, gets no withholding and files quarterly. What the same $60,000 looks like either way.
- [Salary versus hourly: which actually pays more](https://paychecknew.us/blog/salary-vs-hourly-which-pays-more/): A $30-an-hour job and a $62,400 salary are the same gross on paper. Overtime, unpaid time off and exemption rules decide which one pays more in practice.
- [Bi-weekly versus semi-monthly pay: why your check differs](https://paychecknew.us/blog/biweekly-vs-semimonthly-pay/): Bi-weekly is 26 checks a year, semi-monthly is 24. Same salary, different check size, and two months a year with a third bi-weekly payday.
- [How a raise affects your paycheck, and the bracket myth](https://paychecknew.us/blog/how-a-raise-affects-your-paycheck/): What a raise actually adds to take-home, and why crossing a bracket never costs you money.

## State guides: how much tax is taken out of a paycheck

One per state, every figure computed on a $60,000 single filer and four other salaries.

- [Alabama paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-alabama/): $10,373 on a $52,000 salary in Alabama, 19.9% of gross, leaving $41,627 a year or $1,601.04 every two weeks. Every line, at six salaries.
- [Alaska paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-alaska/): $8,235 on a $53,000 salary in Alaska, 15.5% of gross, leaving $44,766 a year or $1,721.75 every two weeks. Every line, at six salaries.
- [Arizona paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-arizona/): $9,387 on a $54,000 salary in Arizona, 17.4% of gross, leaving $44,613 a year or $1,715.88 every two weeks. Every line, at six salaries.
- [Arkansas paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-arkansas/): $10,259 on a $55,000 salary in Arkansas, 18.7% of gross, leaving $44,741 a year or $1,720.83 every two weeks. Every line, at six salaries.
- [California paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-california/): $11,049 on a $56,000 salary in California, 19.7% of gross, leaving $44,951 a year or $1,728.90 every two weeks. Every line, at six salaries.
- [Colorado paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-colorado/): $11,092 on a $57,000 salary in Colorado, 19.5% of gross, leaving $45,908 a year or $1,765.69 every two weeks. Every line, at six salaries.
- [Connecticut paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-connecticut/): $11,947 on a $58,000 salary in Connecticut, 20.6% of gross, leaving $46,053 a year or $1,771.27 every two weeks. Every line, at six salaries.
- [Delaware paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-delaware/): $12,121 on a $59,000 salary in Delaware, 20.5% of gross, leaving $46,879 a year or $1,803.03 every two weeks. Every line, at six salaries.
- [District of Columbia paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-district-of-columbia/): $12,086 on a $60,000 salary in District of Columbia, 20.1% of gross, leaving $47,914 a year or $1,842.84 every two weeks. Every line, at six salaries.
- [Florida paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-florida/): $9,807 on a $61,000 salary in Florida, 16.1% of gross, leaving $51,194 a year or $1,968.98 every two weeks. Every line, at six salaries.
- [Georgia paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-georgia/): $12,598 on a $62,000 salary in Georgia, 20.3% of gross, leaving $49,402 a year or $1,900.08 every two weeks. Every line, at six salaries.
- [Hawaii paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-hawaii/): $13,772 on a $63,000 salary in Hawaii, 21.9% of gross, leaving $49,228 a year or $1,893.37 every two weeks. Every line, at six salaries.
- [Idaho paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-idaho/): $12,953 on a $64,000 salary in Idaho, 20.2% of gross, leaving $51,047 a year or $1,963.34 every two weeks. Every line, at six salaries.
- [Illinois paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-illinois/): $13,669 on a $65,000 salary in Illinois, 21.0% of gross, leaving $51,331 a year or $1,974.27 every two weeks. Every line, at six salaries.
- [Indiana paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-indiana/): $12,739 on a $66,000 salary in Indiana, 19.3% of gross, leaving $53,261 a year or $2,048.50 every two weeks. Every line, at six salaries.
- [Iowa paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-iowa/): $12,983 on a $67,000 salary in Iowa, 19.4% of gross, leaving $54,017 a year or $2,077.58 every two weeks. Every line, at six salaries.
- [Kansas paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-kansas/): $14,327 on a $68,000 salary in Kansas, 21.1% of gross, leaving $53,673 a year or $2,064.36 every two weeks. Every line, at six salaries.
- [Kentucky paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-kentucky/): $9,987 on a $52,000 salary in Kentucky, 19.2% of gross, leaving $42,013 a year or $1,615.88 every two weeks. Every line, at six salaries.
- [Louisiana paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-louisiana/): $9,450 on a $53,000 salary in Louisiana, 17.8% of gross, leaving $43,551 a year or $1,675.02 every two weeks. Every line, at six salaries.
- [Maine paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-maine/): $10,411 on a $54,000 salary in Maine, 19.3% of gross, leaving $43,589 a year or $1,676.51 every two weeks. Every line, at six salaries.
- [Maryland paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-maryland/): $12,636 on a $55,000 salary in Maryland, 23.0% of gross, leaving $42,364 a year or $1,629.37 every two weeks. Every line, at six salaries.
- [Massachusetts paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-massachusetts/): $11,662 on a $56,000 salary in Massachusetts, 20.8% of gross, leaving $44,338 a year or $1,705.32 every two weeks. Every line, at six salaries.
- [Michigan paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-michigan/): $11,197 on a $57,000 salary in Michigan, 19.6% of gross, leaving $45,804 a year or $1,761.67 every two weeks. Every line, at six salaries.
- [Minnesota paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-minnesota/): $11,927 on a $58,000 salary in Minnesota, 20.6% of gross, leaving $46,073 a year or $1,772.03 every two weeks. Every line, at six salaries.
- [Mississippi paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-mississippi/): $11,204 on a $59,000 salary in Mississippi, 19.0% of gross, leaving $47,796 a year or $1,838.30 every two weeks. Every line, at six salaries.
- [Missouri paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-missouri/): $11,514 on a $60,000 salary in Missouri, 19.2% of gross, leaving $48,486 a year or $1,864.85 every two weeks. Every line, at six salaries.
- [Montana paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-montana/): $12,223 on a $61,000 salary in Montana, 20.0% of gross, leaving $48,777 a year or $1,876.04 every two weeks. Every line, at six salaries.
- [Nebraska paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-nebraska/): $12,302 on a $62,000 salary in Nebraska, 19.8% of gross, leaving $49,698 a year or $1,911.47 every two weeks. Every line, at six salaries.
- [Nevada paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-nevada/): $10,200 on a $63,000 salary in Nevada, 16.2% of gross, leaving $52,801 a year or $2,030.79 every two weeks. Every line, at six salaries.
- [New Hampshire paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-new-hampshire/): $10,396 on a $64,000 salary in New Hampshire, 16.2% of gross, leaving $53,604 a year or $2,061.69 every two weeks. Every line, at six salaries.
- [New Jersey paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-new-jersey/): $13,250 on a $65,000 salary in New Jersey, 20.4% of gross, leaving $51,750 a year or $1,990.38 every two weeks. Every line, at six salaries.
- [New Mexico paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-new-mexico/): $12,742 on a $66,000 salary in New Mexico, 19.3% of gross, leaving $53,258 a year or $2,048.39 every two weeks. Every line, at six salaries.
- [New York paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-new-york/): $14,375 on a $67,000 salary in New York, 21.5% of gross, leaving $52,625 a year or $2,024.02 every two weeks. Every line, at six salaries.
- [North Carolina paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-north-carolina/): $13,680 on a $68,000 salary in North Carolina, 20.1% of gross, leaving $54,320 a year or $2,089.23 every two weeks. Every line, at six salaries.
- [North Dakota paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-north-dakota/): $8,038 on a $52,000 salary in North Dakota, 15.5% of gross, leaving $43,962 a year or $1,690.85 every two weeks. Every line, at six salaries.
- [Ohio paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-ohio/): $9,252 on a $53,000 salary in Ohio, 17.5% of gross, leaving $43,748 a year or $1,682.63 every two weeks. Every line, at six salaries.
- [Oklahoma paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-oklahoma/): $10,458 on a $54,000 salary in Oklahoma, 19.4% of gross, leaving $43,542 a year or $1,674.68 every two weeks. Every line, at six salaries.
- [Oregon paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-oregon/): $13,158 on a $55,000 salary in Oregon, 23.9% of gross, leaving $41,842 a year or $1,609.31 every two weeks. Every line, at six salaries.
- [Pennsylvania paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-pennsylvania/): $10,543 on a $56,000 salary in Pennsylvania, 18.8% of gross, leaving $45,457 a year or $1,748.34 every two weeks. Every line, at six salaries.
- [Rhode Island paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-rhode-island/): $11,242 on a $57,000 salary in Rhode Island, 19.7% of gross, leaving $45,758 a year or $1,759.92 every two weeks. Every line, at six salaries.
- [South Carolina paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-south-carolina/): $11,110 on a $58,000 salary in South Carolina, 19.2% of gross, leaving $46,890 a year or $1,803.46 every two weeks. Every line, at six salaries.
- [South Dakota paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-south-dakota/): $9,414 on a $59,000 salary in South Dakota, 16.0% of gross, leaving $49,587 a year or $1,907.17 every two weeks. Every line, at six salaries.
- [Tennessee paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-tennessee/): $9,610 on a $60,000 salary in Tennessee, 16.0% of gross, leaving $50,390 a year or $1,938.08 every two weeks. Every line, at six salaries.
- [Texas paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-texas/): $9,807 on a $61,000 salary in Texas, 16.1% of gross, leaving $51,194 a year or $1,968.98 every two weeks. Every line, at six salaries.
- [Utah paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-utah/): $12,084 on a $62,000 salary in Utah, 19.5% of gross, leaving $49,916 a year or $1,919.84 every two weeks. Every line, at six salaries.
- [Vermont paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-vermont/): $11,911 on a $63,000 salary in Vermont, 18.9% of gross, leaving $51,090 a year or $1,964.98 every two weeks. Every line, at six salaries.
- [Virginia paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-virginia/): $13,262 on a $64,000 salary in Virginia, 20.7% of gross, leaving $50,738 a year or $1,951.47 every two weeks. Every line, at six salaries.
- [Washington paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-washington/): $11,399 on a $65,000 salary in Washington, 17.5% of gross, leaving $53,602 a year or $2,061.60 every two weeks. Every line, at six salaries.
- [West Virginia paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-west-virginia/): $13,035 on a $66,000 salary in West Virginia, 19.8% of gross, leaving $52,965 a year or $2,037.10 every two weeks. Every line, at six salaries.
- [Wisconsin paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-wisconsin/): $13,262 on a $67,000 salary in Wisconsin, 19.8% of gross, leaving $53,738 a year or $2,066.86 every two weeks. Every line, at six salaries.
- [Wyoming paycheck: how much tax is taken out? (2026)](https://paychecknew.us/blog/how-much-tax-is-taken-out-of-a-paycheck-in-wyoming/): $11,332 on a $68,000 salary in Wyoming, 16.7% of gross, leaving $56,668 a year or $2,179.54 every two weeks. Every line, at six salaries.

## How the figures are produced

- Federal brackets, the standard deduction and the Social Security wage base come from the IRS annual inflation release for 2026. Each state page cites that state's own department of revenue.
- **Federal figures are 2026; state figures are 2025.** The IRS publishes next year's brackets a year ahead; states publish theirs with that year's return, so 2025 is the newest state schedule available. Quote the year with the figure.
- [Bonus tax calculator](https://paychecknew.us/bonus-tax-calculator/): shows both what an employer withholds from a bonus (flat 22% federal, IRS Pub 15 s7) and what the bonus actually adds to the year's tax. Those are different numbers and the gap is refunded at filing.
- Federal tables for 2022, 2023 and 2024 are also tabulated at /federal-tax-brackets/ and selectable in every calculator, from IRS Rev. Proc. 2021-45, 2022-38 and 2023-34.
- The calculation runs in the browser. No salary, state or deduction is transmitted, logged or stored.
- Every figure on the site is computed by one engine at build time, so a chart, a table and a sentence on the same page cannot disagree.
- A test suite runs before each deploy and fails the build on a wrong bracket table, an asymmetric reciprocity pair, or a colour that fails contrast.
- Corrections and method: [https://paychecknew.us/about/](https://paychecknew.us/about/)
- Disclaimer (not tax advice, estimate not withholding, what the state model omits): [https://paychecknew.us/disclaimer/](https://paychecknew.us/disclaimer/)
- Known limitations, listed openly: [https://paychecknew.us/corrections/](https://paychecknew.us/corrections/)
- Author: Hadi, Developer and maintainer, https://github.com/Itsxhadi
- Privacy: no cookies, no analytics, no third-party requests. [https://paychecknew.us/privacy/](https://paychecknew.us/privacy/)
- Terms of use: [https://paychecknew.us/terms/](https://paychecknew.us/terms/)

## Limits worth stating

- Estimates of annual liability spread evenly across pay periods, not a copy of an employer's withholding, which follows the W-4 and is reconciled on the return.
- W-2 employment is modelled. A 1099 contractor pays both halves of FICA, 15.3%, in quarterly instalments.
- Some state deduction models are simplified where credits phase out with income; those states are named on the about page.
- Not tax advice.