US Take-Home Pay Calculator
The US Take-Home Pay Calculator estimates your net salary after federal income tax (2026 brackets), FICA (Social Security + Medicare), and simplified state income tax. Select your state for a planning estimate.
Educational estimate. Calculator results are for planning and information only, not financial, tax, medical, legal, or engineering advice. Verify important decisions with official sources or a qualified professional.
US Take-Home Pay Calculator
Federal + State Income Tax & FICA
📐 Formula & Method
Federal Tax
2026 federal brackets: 10%, 12%, 22%, 24%, 32%, 35%, 37%. Standard deduction: $16,100 (single), $32,200 (married filing jointly), $24,150 (head of household).
FICA
2026 Social Security wage base is $184,500.
📋 How to Use
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1
Enter your annual gross salary.
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2
Select your state for state income tax.
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3
Choose filing status.
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4
Add any pre-tax deductions like 401(k).
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5
Click Calculate to see your net take-home.
US Take-Home Pay — How It Works
Your gross salary is reduced by four main deductions: federal income tax (using 2026 IRS brackets and standard deduction), state income tax (shown as a simplified estimate), Social Security at 6.2% up to the $184,500 wage base, and Medicare at 1.45%.
High earners also pay an Additional Medicare Tax of 0.9% on wages above $200,000 (single) or $250,000 (married). Pre-tax contributions to 401(k), HSA, and FSA reduce your taxable income and therefore your federal and state tax bills.
🔬 Methodology & Accuracy
Formula: Applies 2026 IRS federal tax brackets and standard deductions, 2026 Social Security wage base, Medicare tax, Additional Medicare Tax thresholds, and simplified state tax rates.
Data sources: IRS 2026 tax inflation adjustments: https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill/; SSA 2026 COLA fact sheet and taxable maximum: https://www.ssa.gov/cola/factsheets/2026.html
Last reviewed: June 2026 · Accuracy: Results are precise to two decimal places using IEEE-754 double-precision arithmetic. Intended for educational and planning use only.
For informational purposes only. Results are estimates based on the inputs and formulas provided. For financial, tax, medical, or legal decisions, consult a qualified professional. Rates and regulations change — always verify current figures with official sources.