How this biweekly paycheck calculator works
The math: gross per period = salary ÷ (26 or 24). Federal tax is computed on the full year using real 2026 brackets after the standard deduction ($16,100 single / $32,200 joint / $24,150 HoH), then divided back — averaging brackets beats applying your marginal rate to one check. FICA adds 7.65% (6.2% Social Security until $184,500 of yearly wages, 1.45% Medicare on everything, plus 0.9% over $200k/$250k joint). Pre-tax 401(k)/FSA dollars reduce both income tax and take-home equally, which is why they're subtracted last.
Frequently asked questions
What is the difference between biweekly and semi-monthly?
Biweekly means every 2 weeks — 26 checks a year, and two months where you get paid twice. Semi-monthly means the same dates twice a month (1st & 15th) — 24 checks. Annual salary divides by 26 vs 24 respectively, so a biweekly check is smaller but more frequent.
Why is my take-home lower than an online tax table says?
Most tables use tax withholdings from your W-4 (which may be over/under-set); this calculator computes your actual 2026 bracket liability with the standard deduction. Add income your employer doesn't see (spouse W-2, side income) into the estimate yourself.
What state tax rate should I enter?
A flat approximation of your state rate: CA ~4%, NY ~5%, IL 4.95%, WA/TX/FL/SD 0%. State withholding is complex; for a precise number use your state DOR calculator, then plug the annual result back in.