TakeHomeTax.com is a free tax calculator and personal finance resource built to answer one simple question: how much of your salary do you actually keep?
We provide instant, accurate take-home pay calculations for all 50 US states, covering federal income tax, state income tax, FICA (Social Security and Medicare), and local/city taxes where applicable. Our tools help millions of people understand their real earnings, compare states, and make informed financial decisions.
Tax math shouldn't require an accountant. Too many people accept job offers, plan relocations, or set budgets without understanding what their salary actually means after taxes. We built TakeHomeTax to make that calculation instant, free, and accurate for everyone.
Whether you're a software engineer comparing RSU taxation across states, a nurse deciding between two hospital offers, a freelancer estimating quarterly payments, or a retiree planning Social Security income — our tools give you the numbers you need in seconds.
Our calculations use the latest IRS data for federal tax brackets, standard deductions, Social Security wage bases, and Medicare thresholds. We support both 2025 and 2026 tax years, so you can calculate for your current return or plan ahead.
Federal tax brackets are sourced from IRS Revenue Procedure 2025-11 (for 2026) and Rev. Proc. 2024-40 (for 2025). These include all seven brackets from 10% to 37% for both single and married filing jointly statuses.
State tax rates are updated annually based on data from the Tax Foundation, state department of revenue websites, and legislative updates. We track rate changes for all 50 states including the 2026 reductions in Indiana, Kentucky, Montana, Nebraska, North Carolina, Ohio, Oklahoma, South Carolina, Utah, and West Virginia.
City and local taxes are sourced from municipal tax authorities for 46 cities across 11 states, including NYC's graduated brackets, Philadelphia's wage tax, Ohio municipal taxes, Maryland county taxes, and Portland metro area taxes.
FICA calculations use the 2026 Social Security wage base of $184,500 (2025: $176,100), the 6.2% Social Security rate, 1.45% Medicare rate, and the 0.9% Additional Medicare Tax on earnings above $200,000.
OBBBA provisions: Our overtime calculator incorporates the One Big Beautiful Bill Act (signed July 4, 2025), which exempts up to $12,500 ($25,000 married) of overtime premium pay from federal income tax through 2028.
TakeHomeTax is an educational tool, not a tax preparation service. Our calculations use simplified models that provide accurate estimates for the vast majority of situations, but they do not account for every possible deduction, credit, or state-specific rule. For complex tax situations — multiple income sources, significant itemized deductions, AMT exposure, or multi-state filing — we recommend consulting a qualified tax professional or CPA.
We do not provide tax advice, legal advice, or financial planning services. See our full terms of service for details.
TakeHomeTax offers 27+ free tax calculators and planning tools, including:
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