Finance calculator
Take-Home Pay Calculator
Estimate your take-home pay after progressive 2026 US federal income taxes, FICA, and state taxes.
September 2026
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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.