# NetPayLabs

> Free US paycheck & tax calculators. Free, private, client-side calculators using 2026 US federal and state tax parameters. Estimates only — not tax advice.

## Key facts (2026)
- Federal standard deduction: $16,100 single, $32,200 married filing jointly, $24,150 head of household (after the One Big Beautiful Bill Act).
- Federal brackets (single): 10% to $12,400; 12% to $50,400; 22% to $105,700; 24% to $201,775; 32% to $256,225; 35% to $640,600; 37% above.
- FICA: Social Security 6.2% on wages up to $184,500; Medicare 1.45% on all wages plus 0.9% above $200,000 single / $250,000 joint.
- States with no tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming.
- No Tax on Overtime deduction (IRC 225, 2025-2028): FLSA overtime premium only; cap $12,500 single / $25,000 joint; phase-out from MAGI $150,000 / $300,000.
- No Tax on Tips deduction (IRC 224, 2025-2028): up to $25,000 of qualified tips in traditionally tipped occupations; same phase-out thresholds.
- Sources: IRS Rev. Proc. 2025-32 and the One Big Beautiful Bill Act; Social Security Administration; Tax Foundation state tables for 2026.

## Main tools
- Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/
- No Tax on Overtime Calculator: https://netpaylabs.com/no-tax-on-overtime-calculator/
- No Tax on Tips Calculator: https://netpaylabs.com/no-tax-on-tips-calculator/
- Hourly to Salary Calculator: https://netpaylabs.com/hourly-to-salary-calculator/
- Overtime Pay Calculator: https://netpaylabs.com/overtime-pay-calculator/

## Guides
- How Paycheck Tax Is Calculated, Step by Step: https://netpaylabs.com/guides/how-paycheck-tax-is-calculated/ - Payroll annualises each paycheck, subtracts the standard deduction, taxes income in bracket slices, adds FICA and state tax, then divides the total across your pay periods. Here is each step, with the arithmetic shown.
- 2026 Federal Income Tax Brackets, Explained: https://netpaylabs.com/guides/federal-income-tax-brackets-2026/ - The seven 2026 brackets for single and joint filers, why moving up a bracket never taxes your whole salary at the higher rate, and a fully worked example on $60,000 of pay.
- FICA Taxes Explained: Social Security and Medicare: https://netpaylabs.com/guides/fica-taxes-explained/ - Social Security and Medicare take 7.65% of most paychecks, matched by your employer. How the 2026 wage base, the additional Medicare tax, and the self-employment tax work.
- The 2026 Standard Deduction, Explained: https://netpaylabs.com/guides/standard-deduction-2026/ - For 2026 the standard deduction shelters $16,100 (single) or $32,200 (joint) of income from federal tax. When itemizing beats it, and the new overtime and tips deductions that stack on top.
- Gross Pay vs Net Pay: What Comes Between Them: https://netpaylabs.com/guides/gross-pay-vs-net-pay/ - Taxes, FICA, retirement contributions, health premiums and garnishments all sit between your salary and your bank deposit. Why two people on exactly the same pay can take home very different amounts.
- No Tax on Overtime: How the Deduction on the Overtime Premium Really Works: https://netpaylabs.com/guides/no-tax-on-overtime-deduction-guide/ - The new overtime deduction covers only the premium half of time-and-a-half, capped at $12,500/$25,000 with an income phase-out. Here is what counts, how to figure your amount from pay stubs for 2025, and how to claim it.
- No Tax on Tips: Who Can Deduct Up to $25,000 of Tips — and What Counts: https://netpaylabs.com/guides/no-tax-on-tips-deduction-guide/ - Workers in traditionally tipped occupations can deduct up to $25,000 of voluntary cash and charged tips for 2025–2028. We explain the occupation list, the phase-out, the joint-filing rule, and why FICA on tips is unchanged.
- Overtime Pay Rules: How the FLSA Calculates Time-and-a-Half: https://netpaylabs.com/guides/overtime-pay-rules-flsa/ - Federal overtime is 1.5× your regular rate after 40 hours in a workweek — and the regular rate includes bonuses and shift differentials. We cover the workweek rule, the exempt duties tests and $684/week threshold, and why double time is never federal law.
- States With No Income Tax: The Nine States That Don't Tax Wages in 2026: https://netpaylabs.com/guides/states-with-no-income-tax/ - Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming levy no tax on wages in 2026. Here are the fine-print exceptions and the other taxes these states lean on instead.
- How to Read Your Pay Stub: Gross Pay, FICA, Deductions, and Net Pay: https://netpaylabs.com/guides/how-to-read-your-pay-stub/ - Your pay stub is an error report as much as a receipt. We walk through gross pay, tax lines, pre-tax vs post-tax deductions, employer-paid items, and the five checks to run every pay period.

## State paycheck calculators
- Alabama Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/alabama/ — graduated state income tax brackets.
- Alaska Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/alaska/ — no state income tax on wages.
- Arizona Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/arizona/ — flat 2.5% state income tax.
- Arkansas Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/arkansas/ — graduated state income tax brackets.
- California Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/california/ — graduated state income tax brackets.
- Colorado Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/colorado/ — flat 4.4% state income tax.
- Connecticut Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/connecticut/ — graduated state income tax brackets.
- Delaware Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/delaware/ — graduated state income tax brackets.
- Florida Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/florida/ — no state income tax on wages.
- Georgia Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/georgia/ — flat 4.99% state income tax.
- Hawaii Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/hawaii/ — graduated state income tax brackets.
- Idaho Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/idaho/ — graduated state income tax brackets.
- Illinois Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/illinois/ — flat 4.95% state income tax.
- Indiana Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/indiana/ — flat 2.95% state income tax.
- Iowa Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/iowa/ — flat 3.8% state income tax.
- Kansas Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/kansas/ — graduated state income tax brackets.
- Kentucky Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/kentucky/ — flat 3.5% state income tax.
- Louisiana Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/louisiana/ — flat 3% state income tax.
- Maine Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/maine/ — graduated state income tax brackets.
- Maryland Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/maryland/ — graduated state income tax brackets.
- Massachusetts Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/massachusetts/ — graduated state income tax brackets.
- Michigan Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/michigan/ — flat 4.25% state income tax.
- Minnesota Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/minnesota/ — graduated state income tax brackets.
- Mississippi Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/mississippi/ — graduated state income tax brackets.
- Missouri Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/missouri/ — graduated state income tax brackets.
- Montana Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/montana/ — graduated state income tax brackets.
- Nebraska Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/nebraska/ — graduated state income tax brackets.
- Nevada Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/nevada/ — no state income tax on wages.
- New Hampshire Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/new-hampshire/ — no state income tax on wages.
- New Jersey Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/new-jersey/ — graduated state income tax brackets.
- New Mexico Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/new-mexico/ — graduated state income tax brackets.
- New York Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/new-york/ — graduated state income tax brackets.
- North Carolina Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/north-carolina/ — flat 3.99% state income tax.
- North Dakota Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/north-dakota/ — graduated state income tax brackets.
- Ohio Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/ohio/ — graduated state income tax brackets.
- Oklahoma Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/oklahoma/ — graduated state income tax brackets.
- Oregon Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/oregon/ — graduated state income tax brackets.
- Pennsylvania Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/pennsylvania/ — flat 3.07% state income tax.
- Rhode Island Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/rhode-island/ — graduated state income tax brackets.
- South Carolina Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/south-carolina/ — graduated state income tax brackets.
- South Dakota Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/south-dakota/ — no state income tax on wages.
- Tennessee Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/tennessee/ — no state income tax on wages.
- Texas Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/texas/ — no state income tax on wages.
- Utah Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/utah/ — flat 4.45% state income tax.
- Vermont Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/vermont/ — graduated state income tax brackets.
- Virginia Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/virginia/ — graduated state income tax brackets.
- Washington Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/washington/ — no state income tax on wages.
- West Virginia Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/west-virginia/ — graduated state income tax brackets.
- Wisconsin Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/wisconsin/ — graduated state income tax brackets.
- Wyoming Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/wyoming/ — no state income tax on wages.
- District of Columbia Paycheck Calculator: https://netpaylabs.com/paycheck-calculator/district-of-columbia/ — graduated state income tax brackets.


## About
- Methodology and sources: https://netpaylabs.com/about/
- Contact: contact@netpaylabs.com