About PaydayMath

PaydayMath builds free, simple calculators that answer one question: how much money will actually land in your bank account?

Where our numbers come from

Federal rates come from IRS Publication 15 (Circular E) for 2026. State rates come from each state's published withholding rules, cross-checked against payroll industry references. Every calculator lists its sources at the bottom of the page.

Rates were last reviewed on October 19, 2026. When a state changes its rules, we update the calculator and the date.

What our calculators are, and are not

They estimate withholding: the amount your employer takes out of a payment. They are not tax advice and do not replace your tax return or a tax professional.

Your privacy

Everything is calculated in your browser. The amounts you type are never sent to us or stored.

Contact

Found an error or want a new calculator? Email us at hello@paydaymath.com.