Finance calculator
Take-Home Pay Calculator
Estimate your take-home pay after progressive 2026 US federal income taxes, FICA, and state taxes.
Built for U.S. financial rules
September 2026
Enter your details
Results update privately in your browser.
How we calculate
A transparent estimate you can inspect.
Formula
Calculates 2026 progressive federal income tax brackets and standard deductions ($16,100 Single / $32,200 MFJ / $24,150 HoH), FICA (6.2% Social Security up to $184,500 wage base + 1.45% Medicare + 0.9% high-income surtax), and estimated state taxes after pre-tax medical/retirement deductions.
Privacy
Your values are calculated locally and are not sent to a server by this calculator.
Use with care
Results are for informational purposes, not financial, tax, legal, lending, or investment advice.
Understanding your results
Annual take-home is an estimated tax-liability model, not a paycheck-withholding prediction.
Assumptions and limitations
- Uses 2026 federal brackets and entered state rate.
- Does not include credits, local taxes, benefits, or payroll timing.
Common questions
Before you decide
What assumptions does this use?
The inputs and assumptions are shown on this page; real outcomes can differ.
Does this use my financial data?
No. Inputs stay in your browser.