Take Home Pay Calculator
Income Tax Calculator — see what actually lands in your paycheck.
Enter your salary and state to estimate federal income tax, state income tax, Social Security, Medicare and your net take-home pay.
FICA-exempt cafeteria-plan deductions. Excluded from federal, state and FICA wages.
Estimate only. Results show your annualized federal, state and FICA tax liability divided by pay periods — not the exact per-paycheck withholding your employer computes from your W-4 (IRS Publication 15-T). Actual paychecks may differ. Not tax advice.
2026 tax year. Federal + FICA + selected state/local. Estimates only.
How take-home pay is calculated
Your take-home (net) pay is your gross income minus federal income tax, state income tax (where applicable), Social Security (6.2% up to the annual wage base), and Medicare (1.45%, plus 0.9% additional Medicare above the threshold). Pre-tax deductions like 401(k) contributions reduce federal and state taxable income.
This calculator uses 2026 federal brackets, standard deductions and FICA thresholds, along with state income tax rules for all 50 states. Results are estimates for planning — consult a tax professional for filing.