About PaycheckHub

PaycheckHub estimates US take-home pay using 2026 federal data published by the IRS (Rev. Proc. 2025-32, Pub 505) and SSA (2026 COLA fact sheet).

What is included

Federal income tax: 2026 brackets and standard deduction (single $16,100, married $32,200, head of household $24,150).
FICA: 6.2% Social Security on wages up to $184,500, 1.45% Medicare on all wages, plus the 0.9% additional Medicare tax on wages over $200,000 (withholding basis).
Pre-tax deductions: traditional 401(k) (income-tax pre-tax, FICA taxable) and Section 125 health premiums (pre-tax for both).
State income tax: simplified using each state's flat rate or graduated brackets.

Local/county/city income taxes are excluded (e.g., NYC, Maryland counties, Ohio municipalities).
State-specific credits (e.g., Utah taxpayer credit) and itemized deductions are not modeled.
W-4 withholding nuances (multiple jobs, other income, dependents credits) are approximated by annualized liability.
State data is approximate for 2026 where legislatures have pending rate changes — flagged on state pages.

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