How much will you actually take home? Enter your salary and see your net pay after federal tax, state tax, Social Security & Medicare.
This calculator estimates your take-home pay by subtracting federal income tax, state income tax, Social Security tax (6.2%), and Medicare tax (1.45%) from your gross income. It uses the 2026 federal tax brackets released by the IRS, including updates from the One Big Beautiful Bill Act.
The federal income tax has seven brackets in 2026: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. Your filing status (single, married filing jointly, or head of household) determines which bracket thresholds apply. The standard deduction for 2026 is $16,100 for single filers and $32,200 for married couples filing jointly.
FICA stands for the Federal Insurance Contributions Act. It includes Social Security tax (6.2% on income up to $176,100 in 2026) and Medicare tax (1.45% on all income, plus an additional 0.9% on income over $200,000 for single filers). Your employer pays a matching amount.
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. If you live in one of these states, your take-home pay will be higher because only federal taxes and FICA are deducted.