Salary After Tax Calculator

Take-home pay is gross salary minus four things: federal income tax, Social Security, Medicare and state income tax (plus a city or county tax in a handful of places). Federal income tax is progressive: the first $16,100 of a single filer's wages is sheltered by the 2026 standard deduction, then the next $12,400 of taxable income is taxed at 10%, income up to $49,850 at 12%, up to $106,450 at 22%, up to $203,300 at 24%, and so on to 37%. Married couples filing jointly get a $32,200 deduction and brackets twice as wide.

Social Security takes 6.2% of wages up to $184,500 and nothing above that; Medicare takes 1.45% of every dollar plus 0.9% above $200,000 for a single filer. State income tax ranges from zero in nine states to a 13.3% top rate in California, and this calculator applies each state's real 2026 brackets and standard deduction rather than a flat estimate. The result is the amount that would be deposited over a year if your employer's withholding exactly matched your tax, divided into monthly and biweekly figures.

It assumes the standard deduction, no dependents, no pre-tax deductions and no credits. A 401(k) or HSA contribution, health premiums through payroll, the child tax credit, itemized deductions and local taxes in cities such as New York, Philadelphia or Columbus all change the number. For a per-paycheck figure with those deductions, use the paycheck calculator; for a specific city, use the state page's city calculators.

The effective rate is total tax divided by gross salary, and it is always lower than the bracket you are 'in'. A $100,000 single filer in Texas is in the 22% federal bracket but pays an effective 20.9% including FICA, and keeps $79,125. The same salary in California keeps $73,798, in New York $74,265, in Illinois $74,316. The state comparison and salary equivalent tabs above let you put two states side by side or find the salary that buys the same lifestyle elsewhere.