US Take-Home Pay Calculator

Federal income tax is progressive: each bracket's rate applies only to the income inside that bracket, never to your whole salary. You subtract the $16,100 standard deduction first, then the brackets apply to what is left. Social Security and Medicare (FICA) are charged on your gross wages, not your taxable income. State tax is figured separately, with each state applying its own brackets to your salary after its own standard deduction and personal exemption.

2026 federal brackets (single filer)

Taxable income	Rate
$0 – $12,400	10%
$12,400 – $50,400	12%
$50,400 – $105,700	22%
$105,700 – $201,775	24%
$201,775 – $256,225	32%
$256,225 – $640,600	35%
Over $640,600	37%

Social Security stops at the $184,500 wage base for 2026 — the most an employee pays is $11,439 for the year. Medicare has no cap: 1.45% runs on every dollar, and wages over $200,000 pick up an extra 0.9% Additional Medicare Tax, which your employer does not match. The combined marginal rate is your federal bracket rate plus your state bracket rate — what you pay in income tax on the next dollar. Your true marginal rate on that dollar is higher still, because FICA adds 7.65% while you are under the Social Security wage base.

State tax varies enormously. Nine states tax no wage income at all: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington (which taxes capital gains only), and Wyoming. Fifteen states use a single flat rate, from 2.5% in Arizona to 5.3% in Idaho. The rest use graduated brackets, with top rates from 2.5% in North Dakota to 13.3% in California (including its 1% tax on taxable income over $1 million). Standard deductions range from nothing at all to $16,100, and several states add personal exemptions or exemption credits on top — all of it is built into the state you pick.

• This is an estimate, not tax advice. It covers a single filer taking the standard deduction. Itemized deductions, 401(k) and HSA contributions, health premiums, and every other credit or deduction are left out — your actual return will differ.
• Pre-tax deductions lower your tax. 401(k) contributions, HSA contributions, and health insurance premiums taken out before tax reduce both your taxable income and, for most of them, your FICA wages. A $75,000 salary with a 10% 401(k) contribution is taxed more like a $67,500 salary.
• Itemizing can beat the standard deduction. If your mortgage interest, state and local taxes (up to the $40,000 SALT cap for 2026), and charitable gifts add up to more than $16,100, itemizing lowers your federal tax below what this calculator shows.
• Local income taxes are not included. New York City, Yonkers, and many cities and counties in Ohio, Pennsylvania, Maryland, Indiana, Kentucky, Michigan, Missouri, Alabama, Iowa, and Oregon levy their own income taxes on top of the state tax — sometimes over 3% of your pay.
• State payroll taxes are not included. California's disability insurance (1.3% of all wages in 2026), New Jersey's disability and family leave contributions, Washington's paid family and medical leave and long-term care premiums, Massachusetts' paid family and medical leave, and similar programs come off your pay but are not income tax, so they are not in these figures.
• Social Security stops at $184,500. Once your wages for the year pass the wage base, the 6.2% deduction stops and your net pay jumps for the rest of the year. This calculator spreads it evenly across the year, so late-year paycheques will be a little bigger than the per-period figure shown.
• The Additional Medicare Tax starts at $200,000. Wages above $200,000 for a single filer attract an extra 0.9%, with no employer match. Employers must start withholding it once your wages pass $200,000, whatever your filing status — the tax you actually owe depends on your filing status at year end.
• Your true marginal rate is higher than the combined rate shown. The combined marginal rate is federal plus state income tax only. Add 7.65% for FICA while you are under the Social Security wage base, 1.45% above it, and another 0.9% on wages over $200,000.
• A few state quirks are not modelled. New York and Connecticut recapture part of the tax benefit at higher incomes; Connecticut also has a personal tax credit that lowers its tax; Alabama, Iowa, Louisiana, Missouri, Montana, and Oregon let you deduct some or all of your federal tax from state income; and South Carolina's top rate is scheduled to revert from 6% to 6.2% on July 1, 2026. Where those apply, this calculator's state figure will be a little high.
• State tax follows where you live — and sometimes where you work. If you move mid-year, you generally file part-year returns in two states. If you live in one state and work in another, both may want a return, with a credit in one for tax paid to the other.
• Overtime and bonuses are often withheld at a flat 22% federal rate. Supplemental wages are usually withheld at 22% for federal tax, which may be more or less than your actual bracket rate — the difference settles up when you file.