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Salary Calculator

Gross-to-net salary & paycheck estimator

2026 tax year rates

01Income

Used for the per-paycheck figure and, for hourly pay, to estimate weeks worked.

02Filing & Location

+ Bonus, pre-tax deductions & dependents ▾

Added to your gross for the year. Bonus paychecks are usually withheld at a flat 22% federally, but your actual yearly tax is what's shown here.

The items below reduce your taxable income before federal & state tax. 401(k) is still subject to FICA.

2026 limit: $24,500 ($32,500 if 50+)

Health, dental, HSA, FSA premiums

Estimated at $2,200/child against federal tax owed.

BSecond scenario

Scenario B
Required gross salary
$0
to take home your target
Estimated pay statement
Select a state to estimate state tax
Gross pay$0
Hourly equivalent · based on hrs/week $0.00/hr
incl. bonus / supplemental$0
401(k) contribution$0
Other pre-tax deductions$0
Taxable income (federal)$0
Federal income tax$0
State income tax$0
Social Security (6.2%)$0
Medicare$0
Total tax withheld$0
Net pay / year
$0
0% effective tax rate
Take-home Federal State FICA

Your tax rates

Effective rate (what you actually pay)0%
Marginal federal bracket (on your next dollar)10%
Marginal federal bracket: 10% · Gross pay/period: $0
Estimate only — excludes local/city taxes, itemized deductions, and most credits beyond the Child Tax Credit.

⇄Comparison

Scenario A—
$0
net take-home / year
Per month$0
Total tax$0
Effective rate0%
Take-home0%
Adjusted for cost of living—
Scenario B—
$0
net take-home / year
Per month$0
Total tax$0
Effective rate0%
Take-home0%
Adjusted for cost of living—
Difference in annual take-home
$0
Cost-of-living adjustment uses BEA Regional Price Parities (statewide averages, US = 100). It converts take-home into equivalent national-average buying power — actual costs vary a lot by city.

★Recommendations for your situation

?2026 Take-Home Pay Calculator — FAQ

This free salary calculator estimates your 2026 net (take-home) pay after federal income tax, state income tax, and FICA (Social Security and Medicare). Enter a salary or hourly wage, pick your state and filing status, and see your paycheck broken down yearly, monthly, or per pay period. You can also compare two job offers side by side, adjust for cost of living, and reverse-solve the gross salary you'd need to hit a target take-home.

How is take-home pay calculated?

Take-home pay is your gross salary minus federal income tax, state income tax, Social Security and Medicare (FICA), and any pre-tax deductions like 401(k) contributions. This tool applies 2026 federal brackets and standard deductions, each state's 2026 rates, and the 2026 FICA wage base to estimate your net paycheck.

What's the difference between gross pay and net pay?

Gross pay is your total salary before deductions. Net pay — your take-home pay — is what actually reaches your bank account after taxes and pre-tax deductions are withheld.

Which taxes are taken out of my paycheck?

Most paychecks include federal income tax, state income tax (where one applies), Social Security at 6.2% up to the annual wage base, and Medicare at 1.45% (plus an extra 0.9% for high earners). Some cities also levy a local income tax, which this estimate does not include.

Does this calculator include state income tax?

Yes — all 50 states and the District of Columbia, using each state's 2026 published rates and brackets. No-income-tax states such as Texas and Florida are handled automatically.

How accurate is the estimate?

It's a close estimate for planning. It doesn't account for local/city taxes, itemized deductions, the Earned Income Tax Credit, employer retirement matches, or your specific W-4 elections. For an exact figure, check a recent pay stub or consult a tax professional.

Are these 2026 tax rates?

Yes. Federal figures use the 2026 IRS brackets and standard deductions (Revenue Procedure 2025-32), the 2026 Social Security wage base, and each state's 2026 income tax rates.