2026 Paycheck Calculator: What Changed vs 2025
This page is focused on year-over-year changes for the 2026 tax year — new IRS bracket thresholds, higher standard deduction, higher Social Security wage base, and OBBBA modifications. Use the calculator below with fully updated rates.
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Calculate your take-home pay with 2026 federal and state tax rates.
Enter your pay details to see your take-home pay
What Changed From 2025 to 2026
Every number below is updated in the calculator above. Sources: IRS Rev. Proc. 2024-40 (2025), IRS Rev. Proc. 2025-32 (2026), SSA press releases.
| Item | 2025 | 2026 | Change |
|---|---|---|---|
| Standard deduction (Single) | $15,000 | $16,100 | +$1,100 |
| Standard deduction (MFJ) | $30,000 | $32,200 | +$2,200 |
| Standard deduction (HoH) | $22,500 | $24,150 | +$1,650 |
| Social Security wage base | $176,100 | $184,500 | +$8,400 |
| Top of 12% bracket (Single) | $48,475 | $50,400 | +$1,925 |
| Top of 22% bracket (Single) | $103,350 | $105,700 | +$2,350 |
| 401(k) elective deferral limit | $23,500 | $23,500 | no change |
| HSA limit (self-only) | $4,300 | $4,400 | +$100 |
| Additional Medicare threshold (Single) | $200,000 | $200,000 | no change |
Practical impact: a Single filer earning $75,000 gets roughly $240–$260 more in annual take-home in 2026 vs 2025, purely from the deduction and bracket adjustments — before any state changes.
Where the SS wage base bites: earners between $176,100 and $184,500 now pay an extra $521 in Social Security tax in 2026 (6.2% × $8,400) that they didn't owe in 2025.
2026 Tax Rates at a Glance
Federal Tax Brackets
Standard Deductions
FICA Taxes
Paycheck Calculator by State
Select your state for a personalized 2026 paycheck calculation with state-specific tax rates and deductions.
What Changed for 2026 Paychecks?
The 2026 tax year brings several important changes that affect your paycheck. The IRS has adjusted federal income tax bracket thresholds upward to account for inflation, meaning more of your income is taxed at lower rates compared to previous years. The standard deduction increased to $16,100 for single filers and $32,200 for married filing jointly, reducing your taxable income.
The Social Security wage base rose to $184,500, meaning higher earners now pay Social Security tax on more of their income. Medicare rates remain unchanged at 1.45% with the additional 0.9% surcharge for high earners above $200,000 (single) or $250,000 (married jointly).
The One, Big, Beautiful Bill Act (OBBBA) also introduced modifications to certain tax provisions. These changes are reflected in our calculator. For the complete breakdown of all 2026 rates, visit our 2026 Tax Brackets reference page.
Important 2026 tax deadlines include the April 15, 2026 filing deadline for 2025 returns and estimated tax payment dates. See our 2026 Tax Calendar for all key dates.
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Frequently Asked Questions
Important Disclaimer
This calculator provides estimates only and should not be considered financial or tax advice. Actual amounts may vary based on your specific situation, employer policies, and current tax laws. For personalized advice, please consult a qualified tax professional or financial advisor.