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Holdings

Free Payroll Calculator

Payroll Calculator

Calculate gross-to-net pay with federal taxes, FICA, and state withholding. See your take-home pay instantly.

Compensation
Tax Filing
Pre-Tax Deductions
Post-Tax Deductions
Options
Net Pay (Per Period)
$0.00
$0 / year
✨ Powered by Holdings — Banking & accounting for small business

Payroll Calculators by State

Calculate take-home pay with state-specific tax brackets. Choose your state for a detailed breakdown with 2026 federal and state tax rates.

Alabama 5% Alaska 0% Arizona 2.5% Arkansas 3.9% California 1%–13.3% Colorado 4.4% Connecticut 3%–6.99% Delaware 2.2%–6.6% Florida 0% Georgia 5.49% Hawaii 1.4%–11% Idaho 5.8% Illinois 4.95% Indiana 3.05% Iowa 3.8% Kansas 3.1%–5.7% Kentucky 4% Louisiana 1.85%–4.25% Maine 5.8%–7.15% Maryland 2%–5.75% Massachusetts 5% Michigan 4.25% Minnesota 5.35%–9.85% Mississippi 4.7% Missouri 2%–4.8% Montana 4.7%–5.9% Nebraska 2.46%–5.84% Nevada 0% New Hampshire 0% New Jersey 1.4%–10.75% New Mexico 1.7%–5.9% New York 4%–10.9% North Carolina 4.5% North Dakota 0%–1.95% Ohio 0%–3.5% Oklahoma 0.25%–4.75% Oregon 4.75%–9.9% Pennsylvania 3.07% Rhode Island 3.75%–5.99% South Carolina 0%–6.2% South Dakota 0% Tennessee 0% Texas 0% Utah 4.65% Vermont 3.35%–8.75% Virginia 2%–5.75% Washington 0% West Virginia 2.36%–5.12% Wisconsin 3.5%–7.65% Wyoming 0% District of Columbia 4%–10.75%

Calculate net pay, federal and state taxes, FICA, and deductions for any employee in all 50 states plus DC. Our payroll calculator uses 2026 federal tax brackets, supports salary and hourly pay, all pay frequencies, overtime, pre-tax and post-tax deductions, and shows full employer cost including FICA and FUTA. See the complete pay breakdown on screen, then download a formatted pay stub PDF.

How to Calculate Payroll

  1. 1

    Enter employee details

    Set pay type (salary or hourly), pay rate, filing status, and state. For hourly workers, enter hours and overtime.

  2. 2

    Choose pay frequency

    Select Weekly, Bi-weekly, Semi-monthly, or Monthly. Tax calculations adjust automatically.

  3. 3

    Add deductions

    Enter pre-tax deductions (401k, HSA, health insurance) and post-tax deductions (Roth 401k, garnishments).

  4. 4

    Review the breakdown

    See gross pay, federal tax, state tax, Social Security, Medicare, deductions, and net pay in real-time.

  5. 5

    Download pay stub

    Export a clean PDF pay stub. Enter your email to save a copy for payroll records.

Why Use Holdings' Payroll Calculator?

2026 tax brackets

Uses current federal tax brackets, Social Security wage base, and Medicare thresholds for accurate calculations.

All 50 states + DC

State tax calculations for every state, including states with no income tax.

Employer cost view

Toggle to see total employer cost including employer-side FICA and FUTA contributions.

Pre-tax and post-tax deductions

Model 401k, HSA, health insurance, Roth contributions, garnishments, and more.

Frequently Asked Questions

How accurate is this payroll calculator?

It uses 2026 federal tax brackets, FICA rates (6.2% SS up to $176,100, 1.45% Medicare, 0.9% Additional Medicare over $200k), and state tax tables. For exact withholding, always verify with your payroll provider.

Does it handle overtime?

Yes — for hourly employees, enter regular hours and overtime hours separately. Overtime is calculated at 1.5x the regular rate.

What employer costs does it show?

Toggle the employer cost view to see employer-side Social Security (6.2%), Medicare (1.45%), and FUTA (0.6% on first $7,000). This shows your true cost per employee.

Is this payroll calculator free?

Yes — completely free with no signup required. Calculate payroll for unlimited employees.

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Like this tool? Holdings does it automatically.

Free business banking with built-in accounting. Auto-categorize expenses, generate P&L reports, and manage sub-accounts — all in one platform. Zero fees.

Try the Free Demo →