US Salary and Paycheck Calculator 2026
This free paycheck and take-home pay calculator shows your salary after tax: what you actually take home after federal, state and payroll taxes. It works for all 50 states and DC, and nothing you type leaves your device.
Updated · Tax year 2026 · State figures as of February 11, 2026
Take-home pay (also called net pay, or salary after tax) is the money that reaches your bank account after taxes and pre-tax deductions.
For 2026, a single filer earning $75,000 a year takes home about $61,593 ($5,133 a month) in a state with no income tax, such as Texas. The same salary leaves about $57,830 in California and $58,140 in New York, after federal income tax, Social Security, Medicare and state taxes.
Your estimated take-home pay
$0per month
$0 a year · $0 every 2 weeks · $0 an hour
- Average tax rate
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- Rate on your next dollar
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Pay breakdown
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Now plan the month
Take-home pay is what you actually have to spend. Track it in Salary Left and always see how much of it is left.
Take-home pay by salary: 2026 examples
Estimated yearly take-home pay for a single filer with no pre-tax deductions. Federal tax and Social Security plus Medicare are the same in every state; only state taxes differ. Use the calculator above for your own numbers.
| Gross salary | Federal tax | Social Security + Medicare | Texas (no state tax) | California | New York | Illinois |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $34,320$2,860/mo | $33,211$2,768/mo | $32,757$2,730/mo | $32,485$2,707/mo |
| $50,000 | $3,820 | $3,825 | $42,355$3,530/mo | $40,656$3,388/mo | $40,252$3,354/mo | $40,025$3,335/mo |
| $60,000 | $5,020 | $4,590 | $50,390$4,199/mo | $47,961$3,997/mo | $47,747$3,979/mo | $47,565$3,964/mo |
| $75,000 | $7,670 | $5,738 | $61,593$5,133/mo | $57,830$4,819/mo | $58,140$4,845/mo | $58,025$4,835/mo |
| $100,000 | $13,170 | $7,650 | $79,180$6,598/mo | $72,810$6,067/mo | $74,320$6,193/mo | $74,375$6,198/mo |
| $150,000 | $24,734 | $11,475 | $113,791$9,483/mo | $102,121$8,510/mo | $105,981$8,832/mo | $106,511$8,876/mo |
Take-home columns show yearly pay with the monthly amount underneath. California includes its 1.3% state disability insurance. Local city and county taxes are not included.
How your take-home pay is worked out
- Gross pay is what your salary or hourly rate adds up to before anything is taken out.
- Pre-tax deductions, such as a traditional 401(k) or health insurance premiums, come off next. They lower the pay that income tax is based on.
- Federal income tax is charged in slices. After the standard deduction ($16,100 single, $32,200 married filing jointly for 2026), the first slice is taxed at 10%, the next at 12%, and so on up to 37%. Only the part of your income inside each slice pays that slice's rate.
- Social Security and Medicare (together called FICA) take 6.2% of pay up to $184,500 plus 1.45% of all pay. Higher earners pay an extra 0.9% Medicare tax above $200,000 (single) or $250,000 (married).
- State income tax depends on where you live. Nine places do not tax wages, some charge one flat rate, and others use brackets, deductions and credits of their own.
- What is left is your take-home pay: the money that reaches your bank account.
What this calculator does not include
To stay simple and predictable, the estimate assumes wages from one job, the standard deduction and no dependents. It leaves out:
- City and county income taxes (for example in Ohio, Pennsylvania, Maryland, Michigan, Kentucky, Indiana and New York City).
- State disability and paid-leave payroll taxes, except the ones for California, Massachusetts and Washington. Several other states have similar programs.
- Itemized deductions, the child tax credit, other credits, and the new 2026 deductions for tips, overtime and seniors.
- Bonuses taxed at a flat withholding rate, self-employment tax and investment income.
A few states have rules we only approximate (Arkansas, Connecticut, Maryland, Missouri and Oregon, plus Maine, New York, Minnesota and Rhode Island at higher incomes). When that applies to your state, the result shows a note saying what is missing.
Where the numbers come from
- Federal brackets and standard deductions: IRS, tax year 2026 inflation adjustments (Rev. Proc. 2025-32).
- Social Security wage base and rates: Social Security Administration, 2026 fact sheet.
- State rates, brackets, deductions and exemptions: Tax Foundation, 2026 state income tax rates and brackets (data as of February 11, 2026).
Tax laws change during the year. This tool is for planning and is not tax, legal or financial advice. For your exact tax, use your pay stub, the IRS withholding estimator or a tax professional.
2026 federal income tax brackets
These are the rates the calculator applies to taxable income, which is your pay after pre-tax deductions and the standard deduction ($16,100 single, $32,200 married filing jointly).
| Rate | Single | Married filing jointly |
|---|---|---|
| 10% | $0 to $12,400 | $0 to $24,800 |
| 12% | $12,400 to $50,400 | $24,800 to $100,800 |
| 22% | $50,400 to $105,700 | $100,800 to $211,400 |
| 24% | $105,700 to $201,775 | $211,400 to $403,550 |
| 32% | $201,775 to $256,225 | $403,550 to $512,450 |
| 35% | $256,225 to $640,600 | $512,450 to $768,700 |
| 37% | Over $640,600 | Over $768,700 |
Frequently asked questions
How is take-home pay calculated?
Start with your gross pay and subtract pre-tax deductions such as 401(k) contributions and health premiums. Federal income tax is then worked out on what is left after the standard deduction, using the 2026 brackets. Social Security (6.2% up to $184,500) and Medicare (1.45%) are taken from your pay, and your state income tax comes off last. What remains is your take-home pay.
Does this include state income tax?
Yes, for all 50 states and Washington, DC. Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wages. City and county income taxes, such as those in Ohio, Maryland, Pennsylvania or New York City, are not included.
Which tax year does the calculator use?
Tax year 2026. Federal brackets and the standard deduction come from IRS Revenue Procedure 2025-32, the Social Security wage base from the Social Security Administration, and state rates from Tax Foundation data as of February 11, 2026.
Why is my real paycheck different from the result?
This is an estimate. Your employer withholds tax based on your W-4, and your actual tax depends on credits, dependents, other income, local taxes, benefits and bonuses. The figure here is a good guide to what a typical single worker or a married couple with one income takes home, not a payroll stub.
How do 401(k) contributions change my take-home pay?
Traditional 401(k) contributions lower the pay your income tax is based on, so you pay less federal and usually less state tax. They do not reduce Social Security or Medicare tax. Health insurance premiums taken before tax reduce both income tax and Social Security and Medicare tax.
Is my salary saved or sent anywhere?
No. The calculation runs entirely in your browser and nothing you type is sent to a server or stored.
What should I do with my take-home pay?
Plan it before you spend it. A common starting point is the 50/30/20 split: about half for needs, thirty percent for wants and twenty percent for savings. Then track what you actually spend so you know how much of the month's pay is left.