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What MyPayCal is
MyPayCal is a free US paycheck and take-home pay calculator built with full English and Spanish parity, updated for 2026 tax law. We publish our methodology and our data openly, and we log every correction with a date.
A bilingual (EN/ES, real translations) US take-home pay calculator covering 50 states and the 17 cities that levy a municipal wage tax.
2026 federal tax law, including the OBBBA overtime and tips deductions with their exact caps and phase-outs.
Free, no account required. Methodology and fiscal changelog published in the open.
Citable facts — Take-Home Index 2026
Every figure below is for a $100,000 gross salary, single filer, no dependents, tax year 2026, unless the row says otherwise. All 50 states are in the download.
$7,848
a year — the gap in take-home pay between the 7 states tied for first and Oregon, the lowest of the 50. That's $654 a month, 7.8% of the salary.
$79,180
is the take-home shared by the 7 states that tie for first (FL, NV, NH, SD, TN, TX, WY): no state income tax and no state payroll program. Alaska and Washington also skip the income tax but trail them because of payroll programs.
$71,332
is Oregon's take-home, the lowest of the 50 states.
$113,318
is the salary a worker in Oregon needs to take home what $100,000 does in Texas — a raise of $13,318 just to break even after tax.
Below all 50
is where New York City would rank among the states: its 3.078%–3.876% local wage tax removes a further $3,441 a year on top of state tax, leaving it below Oregon, the lowest state.
$75,063
is the national median take-home; the average across the 41 states that do tax wages is $74,834.
$3,554 → $13,855
is how the state-to-state gap scales with income: $3,554 at a $50,000 salary, $13,855 at $150,000. The higher the salary, the more the state matters.
These are after-tax figures, not cost-of-living adjusted: the equivalent-salary number is what it takes to keep the same amount after tax, not to buy the same basket of goods.
Headlines you're welcome to use as-is
The $7,848 paycheck gap: what your state really costs you in 2026
Annual gap between the 7 states tied for first and Oregon, on a $100,000 salary.
Oregon workers need $113,318 to match a $100,000 Texas paycheck
The steepest jump of the 50 states: a $13,318 raise just to break even.
New York City takes home less than any of the 50 states
The city's 3.078%–3.876% local tax takes $3,441 a year: less take-home than Oregon, the lowest state.
Need a different cut — one state, another income level, a different filing status? Email us and we'll turn it around fast.
How to cite and download
The Take-Home Index 2026 is published under CC BY 4.0: reuse it, republish it, build on it, including commercially, as long as you credit MyPayCal with a link. You don't need to ask.
- take-home-by-state-2026.csv — 50 rows, one per state
- take-home-by-state-2026.json — with the findings, city figures and methodology
- The study page — full ranking and interactive breakdown
Published · edition v2026.2
Paste this line under a chart or at the foot of the piece:
MyPayCal. (2026). MyPayCal Take-Home Index 2026: take-home pay by state. https://mypaycal.org/en/take-home-pay-by-state
Every figure comes from our own engine under one uniform profile, so the 50 states are comparable to each other. Each state runs on its own 2026 schedule — brackets, deductions and credits — plus the local tax most residents pay and the employee state payroll programs: a comparison index, not an individual tax bill. Edition 2026.2 corrected the first edition, and the methodology changelog records what moved.
MyPayCal is built by Milian Lastre Zequeira — no PR firm, no spokesperson. Write in and the person who built the calculator and the dataset answers.