Paycheck Calculator

Calculates take-home (net) pay for a US employee in any of the 50 states or DC for tax year 2025 or 2026: federal income tax from the IRS Rev. Proc. 2024-40 / 2025-32 bracket tables with the One Big Beautiful Bill Act standard deduction ($15,750 single for 2025, $16,100 for 2026), Social Security with the wage base ($176,100 in 2025, $184,500 in 2026), Medicare plus the 0.9% Additional Medicare tax, and state income tax. State tax is exact from each state's 2026 schedule for CA, NY, NJ, IL, PA, GA, NC; other states return a labeled effective-rate estimate (method: "estimate"). Handles pre-tax 401(k) (not FICA-exempt) and payroll HSA (FICA-exempt), and Pennsylvania/New Jersey rules that tax 401(k) or HSA money. Returns per-period and annual figures. Local taxes (NYC etc.) are out of scope. Figures copied from irs.gov and state revenue sites in Oct 2026.

{
  "type": "object",
  "properties": {
    "state": {
      "type": "string",
      "minLength": 2,
      "maxLength": 40,
      "description": "US state or DC: two-letter code (CA), name (California) or slug (new-york)."
    },
    "filing_status": {
      "type": "string",
      "enum": [
        "single",
        "married_filing_jointly",
        "married_filing_separately",
        "head_of_household"
      ],
      "description": "Federal filing status. Qualifying surviving spouse uses married_filing_jointly."
    },
    "tax_year": {
      "type": "number",
      "enum": [
        2025,
        2026
      ],
      "description": "Tax year: 2025 or 2026."
    },
    "gross_annual": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "description": "Gross annual pay in USD before any deduction. Give this OR gross_per_period."
    },
    "gross_per_period": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "description": "Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency."
    },
    "pay_frequency": {
      "type": "string",
      "enum": [
        "weekly",
        "biweekly",
        "semimonthly",
        "monthly",
        "quarterly",
        "annual"
      ],
      "description": "Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1)."
    },
    "pretax_401k_annual": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "description": "Traditional (pre-tax) 401(k) deferral for the year in USD. Lowers income tax, not FICA. Leave out for Roth."
    },
    "pretax_401k_percent": {
      "type": "number",
      "minimum": 0,
      "maximum": 100,
      "description": "Traditional 401(k) deferral as a percent of gross (e.g. 6). Use instead of pretax_401k_annual."
    },
    "hsa_annual": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "description": "HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare."
    }
  },
  "required": [
    "state",
    "filing_status",
    "tax_year"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Runs the same gross pay through 2 to 10 states (or DC) and ranks them by annual take-home pay for tax year 2025 or 2026, showing state income tax, the method for each state (exact 2026 schedule for CA, NY, NJ, IL, PA, GA, NC; labeled estimate elsewhere; no wage income tax in AK, FL, NV, NH, SD, TN, TX, WA, WY) and how far each trails the best. Federal tax and FICA use the IRS 2025/2026 tables and wage base. Use it for relocation and remote-work offers.

{
  "type": "object",
  "properties": {
    "states": {
      "type": "array",
      "items": {
        "type": "string",
        "minLength": 2,
        "maxLength": 40,
        "description": "US state or DC: two-letter code (CA), name (California) or slug (new-york)."
      },
      "minItems": 2,
      "maxItems": 10,
      "description": "2 to 10 states, e.g. [\"CA\", \"TX\", \"NY\"]."
    },
    "filing_status": {
      "type": "string",
      "enum": [
        "single",
        "married_filing_jointly",
        "married_filing_separately",
        "head_of_household"
      ],
      "description": "Federal filing status. Qualifying surviving spouse uses married_filing_jointly."
    },
    "tax_year": {
      "type": "number",
      "enum": [
        2025,
        2026
      ],
      "description": "Tax year: 2025 or 2026."
    },
    "gross_annual": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "description": "Gross annual pay in USD before any deduction. Give this OR gross_per_period."
    },
    "gross_per_period": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "description": "Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency."
    },
    "pay_frequency": {
      "type": "string",
      "enum": [
        "weekly",
        "biweekly",
        "semimonthly",
        "monthly",
        "quarterly",
        "annual"
      ],
      "description": "Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1)."
    },
    "pretax_401k_annual": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "description": "Traditional (pre-tax) 401(k) deferral for the year in USD. Lowers income tax, not FICA. Leave out for Roth."
    },
    "pretax_401k_percent": {
      "type": "number",
      "minimum": 0,
      "maximum": 100,
      "description": "Traditional 401(k) deferral as a percent of gross (e.g. 6). Use instead of pretax_401k_annual."
    },
    "hsa_annual": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "description": "HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare."
    }
  },
  "required": [
    "states",
    "filing_status",
    "tax_year"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Converts an annual salary to an hourly rate and to weekly, biweekly (26), semimonthly (24) and monthly gross pay. Defaults: 40 hours a week, 52 weeks (2,080 hours). Gross pay only; use calculate_take_home_pay for net.

{
  "type": "object",
  "properties": {
    "annual_salary": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "description": "Gross annual salary in USD."
    },
    "hours_per_week": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 168,
      "description": "Paid hours per week (default 40)."
    },
    "weeks_per_year": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 53,
      "description": "Paid weeks per year (default 52; paid vacation still counts)."
    }
  },
  "required": [
    "annual_salary"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Converts an hourly wage to weekly, monthly and annual gross pay, with optional weekly overtime hours at a multiplier (1.5 by default). Defaults: 40 hours a week, 52 weeks. Gross pay only; use calculate_take_home_pay for net.

{
  "type": "object",
  "properties": {
    "hourly_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 1000000,
      "description": "Hourly wage in USD."
    },
    "hours_per_week": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 168,
      "description": "Regular hours per week (default 40)."
    },
    "weeks_per_year": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 53,
      "description": "Paid weeks per year (default 52)."
    },
    "overtime_hours_per_week": {
      "type": "number",
      "minimum": 0,
      "maximum": 128,
      "description": "Overtime hours per week (default 0)."
    },
    "overtime_multiplier": {
      "type": "number",
      "minimum": 1,
      "maximum": 5,
      "description": "Overtime pay multiplier (default 1.5)."
    }
  },
  "required": [
    "hourly_rate"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Returns the exact federal income tax brackets (rate, lower and upper bound, tax on lower brackets) and standard deduction for tax year 2025 or 2026 and a filing status, from IRS Rev. Proc. 2024-40 and Rev. Proc. 2025-32, including the One Big Beautiful Bill Act (P.L. 119-21) standard deduction increase for 2025 ($15,750 / $31,500 / $23,625). Also returns the Social Security wage base and Medicare thresholds for that year.

{
  "type": "object",
  "properties": {
    "tax_year": {
      "type": "number",
      "enum": [
        2025,
        2026
      ],
      "description": "Tax year: 2025 or 2026."
    },
    "filing_status": {
      "type": "string",
      "enum": [
        "single",
        "married_filing_jointly",
        "married_filing_separately",
        "head_of_household"
      ],
      "description": "Federal filing status. Qualifying surviving spouse uses married_filing_jointly."
    }
  },
  "required": [
    "tax_year",
    "filing_status"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}