Paycheck Calculator: W-4

Understand your next paycheck in minutes.

Paycheck Calculator: W-4 turns your hourly earnings into a clear take-home estimate for US tax year 2026. Enter your rate, regular hours, overtime, double time, bonus and tips paid in your paycheck. Then match your W-4 and deductions.

SEE WHERE YOUR PAY GOES Review gross earnings, estimated federal withholding, Social Security, Medicare, your state/local estimate and deductions. Open the full breakdown to see the tax bases and how federal withholding was calculated.

BUILT FOR YOUR W-4 Supports the 2020-or-later Form W-4: filing status, the Step 2 checkbox, annual credits, other income, deductions, additional withholding and federal withholding exemption. Enter this employer’s prior year-to-date wages for the Social Security wage cap and Additional Medicare threshold.

EVERY PAY PERIOD View weekly, biweekly, twice-monthly, monthly, quarterly, twice-yearly and annual equivalents. These repeat the current paycheck for comparison; they are not predictions of future withholding.

YOUR ASSUMPTIONS, CLEARLY LABELED State/local taxes use your percentage of federal taxable wages plus an optional fixed amount. The app does not contain official state tax tables. Retirement and qualified FICA-exempt benefits have separate deduction fields.

PRIVATE AND SIMPLE No account, ads or tracking. Calculations run on your iPhone. Entries remain in memory during use and reset when the app restarts. Core calculations are free.

IMPORTANT LIMITS Estimates only; not tax, payroll, legal or financial advice. Actual pay may differ. Bonuses and paycheck tips use the regular wage method, not separate supplemental withholding. Cash tips already received, nonresident-alien adjustments, self-employment, clergy/railroad rules, garnishment limits and employer taxes are not modeled. Overtime and tip deductions are not automatic; use the amounts on your actual W-4. Confirm benefit treatment and state/local assumptions with payroll.

Methodology: IRS Publication 15-T (2026), Worksheet 1A; IRS and SSA employee payroll-tax guidance.

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