Enter your gross salary and see exactly what lands in your bank account. This free ToolNly calculator
works out your take-home pay after federal income tax, Social Security, Medicare
and state income tax — using the official IRS tax brackets for 2026, for all 50 states and DC.
2026 IRS brackets & standard deduction All 50 states + DC No sign-up, instant resultsLast updated: November 2026 · ToolNly.com
Your take-home pay
$0
per year · $0per paycheck
Monthly
$0
Biweekly
$0
Weekly
$0
Per hour*
$0
Breakdown
Per year
% of gross
Effective tax rate0%
Marginal federal rate0%
You keep0%
*Hourly figure assumes 40 hours a week, 52 weeks a year. State tax uses your state’s standard deduction and brackets for a full-year resident; local city taxes (such as New York City) are not included.
How it works
Your gross salary is not what you take home. Before your pay reaches you, your employer withholds
several layers of tax. This calculator applies them in the same order your paycheck does:
1
Pre-tax deductions come off first
Traditional 401(k) contributions, HSA contributions and payroll health premiums are subtracted before income tax is worked out, which lowers your taxable income.
2
Federal tax uses progressive brackets
After the standard deduction ($16,100 single / $32,200 married filing jointly in 2026), your taxable income is taxed in slices at 10%, 12%, 22% and up — only the top slice pays your highest rate.
3
FICA and state tax are added
Social Security takes 6.2% on the first $184,500 of pay (2026), Medicare takes 1.45% on everything, plus an extra 0.9% at high incomes. Your state may then take anywhere from 0% to over 10%.
Worked example: a single filer in Texas earning $75,000 in 2026 takes the $16,100 standard
deduction, leaving $58,900 taxable. Federal tax is $7,670, FICA is $5,738, and Texas charges no state
income tax — so take-home pay is about $61,593 a year, or roughly $5,133 a month.
Move that same job to California and state tax takes several thousand more.
2026 federal tax brackets
These are the official IRS brackets for tax year 2026 (Revenue Procedure 2025-32). The ranges below
apply to taxable income — your income after deductions. Pick a filing status to view its table.
Tax rate
Taxable income over
Up to
Tax on the slice
Standard deduction for 2026
Filing status
2026
2025
Single
$16,100
$15,750
Married filing jointly
$32,200
$31,500
Head of household
$24,150
$23,625
Married filing separately
$16,100
$15,750
States with no income tax
Nine states charge no tax on wages at all. If you work in one of them, only federal tax and FICA
come out of your pay:
Alaska
Florida
Nevada
New Hampshire
South Dakota
Tennessee
Texas
Washington
Wyoming
At the other end, California (top rate 13.3%), Hawaii (11%), New York (10.9%), New Jersey and
Washington DC (10.75%) take the biggest state slice — which is why the same salary can mean
thousands of dollars a year more or less in take-home pay depending on where you live.
Frequently asked questions
How is take-home pay calculated in the USA?
Start with your gross salary, subtract pre-tax deductions such as 401(k) contributions, then subtract federal income tax (worked out with the progressive IRS brackets after the standard deduction), Social Security tax at 6.2% up to the annual wage base, Medicare tax at 1.45%, and your state income tax. What is left is your net, or take-home, pay.
What are the federal tax brackets for 2026?
The federal rates for 2026 are 10%, 12%, 22%, 24%, 32%, 35% and 37%. For a single filer, the 22% bracket starts at $50,400 of taxable income and the top 37% rate applies above $640,600. The standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly.
How much tax is taken from a $75,000 salary?
A single filer earning $75,000 in 2026 in a state with no income tax pays about $7,670 in federal income tax and $5,738 in FICA, leaving roughly $61,593 a year — about $5,133 a month. In a taxed state, expect several thousand dollars more to come out in state tax.
What is the difference between marginal and effective tax rates?
Your marginal rate is the rate on your last dollar of income — the bracket you land in. Your effective rate is your total tax divided by your total income, and it is always lower, because the standard deduction shelters the first chunk of income and lower brackets tax the next slices at lower rates.
Which US states have no income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming levy no tax on wages. You still pay federal income tax and FICA (Social Security and Medicare) in these states.
What is the Social Security wage base for 2026?
Social Security tax of 6.2% applies to the first $184,500 of wages in 2026; above that, it stops for the year. Medicare tax of 1.45% has no cap, and an extra 0.9% Medicare tax applies to wages above $200,000 (single) or $250,000 (married filing jointly).
Does a 401(k) reduce the tax I pay?
Yes. Traditional 401(k) contributions come out before federal income tax (and state tax in most states), so every dollar contributed is a dollar not taxed today. They do not reduce Social Security or Medicare tax, which are calculated on your pay before the 401(k) contribution.
Why is my actual paycheck different from this estimate?
Real paychecks can differ because of local city or county taxes, additional withholding you chose on your W-4, bonuses or overtime (withheld at flat supplemental rates), garnishments, and post-tax deductions such as Roth 401(k) contributions or union dues. This calculator models the standard federal, FICA and state rules for a full-year resident.
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Salary After Tax Calculator
US take-home pay for 2025 & 2026 — federal tax, FICA and state tax for all 50 states + DC. You are using it above.
Disclaimer: This calculator gives an estimate for planning purposes only and is not tax advice.
It uses the standard deduction and published federal and state brackets, and simplifies or omits itemized deductions,
most credits and phase-outs, local income taxes, and individual circumstances. Your actual tax may differ.
For advice about your own situation, consult a qualified tax professional or see
irs.gov.
Sources: IRS Revenue Procedure 2025-32 (2026 brackets and standard deduction) and Revenue Procedure 2024-40 (2025);
Social Security Administration wage base ($184,500 for 2026; $176,100 for 2025);
Tax Foundation, 2025 State Individual Income Tax Rates and Brackets. Figures checked November 2026.