🇺🇸 Paycheck After Tax Calculator — USA 2026
Enter your salary to see exactly how much you take home after federal tax, FICA, and state income tax. Results update instantly.
Quick answer
Take-home pay = gross minus federal income tax, FICA, and state tax
This calculator estimates withholding using 2026 federal brackets, standard deduction, Social Security wage base, Medicare, and simplified state flat rates. Use it for planning — not employer payroll filing.
Your details
Pre-tax deductions (optional)
Reduces federal & state taxable income
Pre-tax employer-sponsored plan
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Enter your salary to calculate take-home pay
All calculations update instantly
How to use and formula
How take-home pay is estimated
Federal tax uses 2026 brackets and standard deduction. FICA includes Social Security and Medicare. State tax uses simplified flat rates.
- Enter gross pay for your pay period (annual, monthly, bi-weekly, or hourly).
- Choose filing status and state of residence.
- Optional: add pre-tax 401(k) and health premiums.
- Review federal, FICA, state, and net pay breakdown.
Net pay ≈ gross − federal income tax − FICA − state tax − pre-tax deductions
Effective rate = total tax ÷ gross
$60,000 salary in Texas (no state tax) vs California will show different net pay.
Common mistakes to avoid
Treating this as an official W-4 result
Employers use IRS tables, pre-tax benefits, and local taxes not fully modeled here.
Using flat state rate for California or NY
Progressive states need bracket math; flat rates here are approximations for quick estimates.
Forgetting pre-tax 401(k) and health insurance
Pre-tax deductions reduce taxable wages and are not entered in this basic tool.
Annualizing irregular bonuses incorrectly
Large one-time bonuses can be withheld at supplemental rates — different from this estimate.
Official source and review note
Rates and rules on this page were last reviewed in May 2026 against Internal Revenue Service (IRS). Use the linked authority for filing, registrations, or address-specific compliance.
Estimate your net pay before budgeting
Use this estimate for budgeting and job offers. For payroll withholding, use the IRS Tax Withholding Estimator and your employer W-4 settings.