How much tax comes out of your paycheck? A 2026 breakdown of federal income tax, Social Security, Medicare, and state tax — with a real worked example.
For most U.S. employees, roughly 15% to 30% of gross pay is withheld before the money hits your bank account. The exact amount depends on how much you earn, your filing status, and which state you live in. This guide breaks down every tax that comes out of a 2026 paycheck, shows a real worked example, and explains how to estimate your own take-home pay.
Your gross pay (what you earn before deductions) is reduced by four main categories:
What's left after these is your net pay, or take-home pay. Some people also have voluntary deductions like 401(k) contributions or health insurance, which we cover below.
Published by the BestPaystubGen Editorial Team, covering paystubs, payroll compliance, federal and state taxes, W-2 forms, 1099 contractors, FICA, gross vs net pay, and IRS regulations updated for 2026.
This paystub generator is a simulation/mockup tool for personal record-keeping and verification purposes only.