Take-Home Pay Calculator
In 2026, US take-home pay is gross wages less federal income tax across 7 brackets running from 10% to 37%, FICA of 7.65% (6.2% Social Security on the first $184,500 of wages plus 1.45% Medicare), and any state income tax. The federal standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly.
Take-Home Pay
Detailed Breakdown
See how your pay is calculated
Assumptions & Notes
Your details
Gross, before taxes · 40 hrs/week
Pay Type
How are you paid?
Annual Salary
Your yearly gross income
Enter your annual salary before taxes
Gross, before taxes · 40 hrs/week
Pay Frequency
How often do you receive paychecks?
Most years have 26 paychecks. Some years have 27 depending on your payroll calendar.
State
Select your state for tax calculations
Filing Status
Your tax filing status
Dependents
Number of dependents on your tax return
Children or other dependents you claim
Pre-tax Deductions
Reduce your taxable income with these deductions
Typically 3-10% for matching, up to IRS limits
Health Savings Account (2026 limit: $4,400 individual, $8,750 family)
Flexible Spending Account (2026 limit: $3,400)
Pre-tax transit and parking benefits (2026 limit: $340/month)
Withholding & Benefits (Optional)
Extra withholding and post-tax insurance deductions
Extra amount to withhold for federal taxes per paycheck
Extra amount to withhold for state taxes per paycheck
Use this if you typically owe or receive a refund at tax time.
These deductions are taken after taxes are calculated.
Per paycheck
Per paycheck
Per paycheck
Advanced
Additional withholding
Extra amount to withhold from each paycheck
Take-Home Pay
Detailed Breakdown
See how your pay is calculated
Assumptions & Notes
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How we calculate your take-home pay
We break down your gross income step by step to show exactly where your money goes.
- Pre-tax deductions: 401(k), HSA, FSA, and commuter benefits reduce your taxable income, lowering your tax bill.
- Federal taxes: Progressive tax brackets based on your filing status and income level.
- State taxes: Applied based on your state of residence using current brackets and rates.
- FICA taxes: Social Security (6.2% up to the wage base) and Medicare (1.45% base, plus 0.9% for high earners).
- Post-tax deductions: Health insurance, dental, vision, and other benefits subtracted after taxes.
The result is your net take-home pay—the actual amount you'll receive in your bank account.
Frequently Asked Questions
We use current federal and state tax brackets, FICA rates, and standard deductions for 2024-2026. The calculator includes federal income tax, Social Security (6.2%), Medicare (1.45% + 0.9% for high earners), and state income tax where applicable.
Yes. The calculator includes state income tax for all 50 states plus Washington DC. States without income tax (like Texas, Florida, and Washington) are correctly handled.
Pre-tax deductions like 401(k), HSA, FSA, and commuter benefits reduce your taxable income, which lowers your tax bill and increases your take-home pay. The calculator accounts for these in both federal and state tax calculations.
Gross pay is your total earnings before deductions. Take-home pay (net pay) is what you receive after federal taxes, state taxes, FICA taxes, and other deductions like health insurance or retirement contributions.
Overtime is paid at 1.5x your regular rate. While this increases your gross pay, it may push you into higher tax brackets. You'll still take home more money, but the percentage of each overtime dollar may be slightly lower due to progressive tax brackets.
Yes. The calculator supports weekly, bi-weekly, semi-monthly, and monthly pay frequencies. It automatically adjusts calculations based on your selected frequency.
Related Tools
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- Overtime Paycheck Calculator — Understand how overtime affects your take-home pay
- Total Compensation Calculator — Calculate total compensation including RSUs and equity
- Tax & Paycheck Guides — Learn more about how taxes affect your paycheck
Estimates are based on current tax rules and the information you provide. Actual take-home pay may vary depending on your full tax situation.
For personalized advice, consult a qualified tax professional.