Start Here: Every PayGauge Paycheck Guide in One Place
Find your paycheck in under a minute
Every guide on this blog shows the math behind take-home pay: federal tax, state tax and FICA, worked out line by line. Pick your state, your salary or your hourly wage below. Or skip the reading and run your own numbers.
Open the take-home calculatorYour state
State tax is the biggest reason the same salary pays differently in different places. Open the group that matches your state.
No state income tax on wages (9 states)
One flat state rate (16 states)
Tax brackets that rise with income (25 states)
Some cities and counties add their own income tax on top. The state guides say where that applies.
Your salary
What each salary becomes after federal tax and FICA, for a single filer in a state with no income tax. Your state tax comes off the top of these.
- $40,000$34,320a year, take-home
- $50,000$42,355a year, take-home
- $60,000$50,390a year, take-home
- $65,000$54,408a year, take-home
- $70,000$58,075a year, take-home
- $75,000$61,593a year, take-home
- $80,000$65,110a year, take-home
- $90,000$72,145a year, take-home
- $100,000$79,180a year, take-home
- $120,000$93,250a year, take-home
Your hourly wage
Full time, 40 hours a week, 52 weeks. Overtime and unpaid weeks change the total.
When your paycheck changes
Smaller check, new job, a raise, a bonus, a different pay schedule. Start with the situation you are in.
- Why did my paycheck get smaller?
Benefits, W-4 changes, brackets and the other usual suspects.
- Bonus tax withholding explained
Why a bonus check looks smaller than the number you were told.
- Year-end bonus vs. regular paycheck
Same dollars, different withholding. Side-by-side.
- How a raise changes your take-home pay
How much of a raise actually reaches your account.
- Your first paycheck at a new job
Partial pay periods, waiting periods and what to expect.
- 401(k) contributions vs. take-home pay
What saving more really costs you per paycheck.
- How to adjust your W-4 for more take-home pay
What to change, what not to, and the catch.
- Claiming dependents on your W-4
How kids and other dependents change withholding.
- Getting married and your withholding
Filing status, the marriage penalty and your new W-4.
- A second job or side hustle
Why two jobs can leave you under-withheld.
- Overtime pay after taxes
Overtime isn't taxed at a special rate. Here's what is going on.
- Salary to hourly, and back
The 2,080-hour formula and where it breaks down.
- Biweekly vs. monthly pay
Same salary, different paycheck. How to budget for each.
- How many hours to earn $50,000
Hourly rates, weekly hours and the take-home version.
Paycheck terms in plain English
The words on your pay stub, explained.
Figures use 2026 federal brackets, the $16,100 single-filer standard deduction and FICA rates. They are estimates for general information, not tax advice. Browse everything by topic with the Labels list in the sidebar.
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