Take-Home Pay Calculator
See exactly what lands in your account after federal income tax, state income tax, Social Security and Medicare. Every figure comes from IRS Rev. Proc. 2025-11 and the 2026 tables published by each state revenue department.
Need per-paycheck numbers with 401(k), HSA and health premiums? Use the paycheck calculator. Comparing two states? Try compare states.
Retirement & Social Security
RMDs, Roth conversions, claiming age, pension lump-sum decisions, inherited IRAs.
Paycheck & Income
Take-home pay, W-4 withholding, bonuses, overtime, salary-to-hourly conversion.
Self-Employment
SE tax, quarterly estimates, 1099 vs W-2 comparison, side hustle profit.
Investments & Equity
Capital gains, RSU vesting, ISO/NSO stock options, AMT triggers.
Relocation
State-by-state take-home pay, cost-of-living adjustment, salary needed.
Tax Planning
Bracket visualization, IRMAA / NIIT / QBI cliff thresholds, inflation impact.
States that don't tax income
Where every dollar of salary stays at the state level — but property and sales taxes often pick up the slack.
2027 Tax Brackets and Standard Deduction (Projected)
Projected 2027 federal tax brackets, standard deduction and AMT exemption from Bloomberg Tax's inflation forecast — a 3.2% increase over 2026 — with the official IRS figures due this fall. Single $16,600, married $33,200.
How Much Tax Is Taken Out of a Paycheck in 2026?
Between 12% and 26% of gross pay for most workers. The exact federal, Social Security, Medicare and state amounts taken out of a paycheck at $30,000 to $200,000 in 2026, per biweekly check, and what changes the number.
Salary Needed to Live Comfortably in Every State (2026)
What income do you actually need to cover rent, food, taxes, and save 15%? We calculated it for all 50 states.