Paycheck Calculator 2026 - Gross Salary to Real Take-Home Pay
For W-2 employees starting a job, getting a raise or comparing offers who want to see their take-home pay line by line.
⚡ Instant digital delivery📊 Excel + Google Sheets🗓️ 2026 tax brackets📄 PDF version included
The Paycheck Calculator is an editable spreadsheet for Microsoft Excel and Google Sheets that turns a gross salary into take-home pay after federal income tax, Social Security, Medicare, state tax and pre-tax deductions. It uses the 2026 federal tax brackets and standard deduction and works for weekly, bi-weekly, semi-monthly or monthly pay. You get one .xlsx workbook plus a PDF version.
What you can do💵Take-home per paycheckThe dashboard shows take-home per paycheck, annual take-home, effective tax rate and a chart of where every dollar of gross goes.🧾Itemized tax detailFederal income tax on the 2026 brackets, Social Security, Medicare and state tax, line by line with the full bracket table.🏥Pre-tax deductions401(k) lowers federal income tax but not Social Security and Medicare, while health premium and HSA are pre-tax for both.✏️Editable figuresFiling status (Single or Married Filing Jointly), your state rate and the 2026 figures are all editable.How it works
- Open the workbook Open the .xlsx file in Microsoft Excel or import it into Google Sheets.
- Enter your pay details Add your salary, pay frequency, filing status, pre-tax deductions and state tax rate.
- Read your take-home See take-home per paycheck, annual take-home and the itemized tax breakdown.
What's included
- ✔️ 1 Excel workbook (.xlsx) - opens in Microsoft Excel or Google Sheets
- ✔️ Tabs: Dashboard, Paycheck, Tax Detail and How to Use
- ✔️ 1 printable PDF version with how-to-use pages
Why customers choose it🤝Compare job offersCompare two offers, or the same salary in two states, with the same math.🔍Know where pay goesEvery step from gross to net is itemized, so nothing on your paycheck is a mystery.✅Handles deductions properlyTreats 401(k), health and HSA deductions the way real payroll does, instead of a flat rough estimate.Buy with confidence
Instant electronic delivery • One-time purchase • Friendly support — just message us on .Quick answersWhat software do I need?
Microsoft Excel or Google Sheets for the .xlsx workbook, and any PDF reader for the PDF version.How is it delivered?
Delivered electronically right after purchase through messages - nothing is shipped.Which tax year does it use?
2026: the federal brackets and standard deduction follow IRS Revenue Procedure 2025-32 and the Social Security wage base is the 2026 SSA figure. All of them are editable.Does it include state tax?
Yes. You enter your state's income tax rate, and it is applied and shown line by line next to the federal taxes.Is this tax advice?
No. It is a planning estimate, not legal, tax or financial advice.More from our storePair it with our Paycheck & Annual Budget Planner or Self-Employed Tax Calculator.Instant delivery after purchase - see your real take-home before your next payday.License & buyer notice
This is an electronically delivered product — nothing is shipped. The buyer is only receiving a revocable license with specific limitations: one user, for personal or internal business use; the files may not be resold, shared or redistributed. Electronically delivered goods do not qualify for the Money Back Guarantee. What you need: Microsoft Excel or Google Sheets; a free PDF reader for the PDF version. If anything is not right, message us on and we will fix it.
