Interactive calculator · 2026
Take-Home Pay Calculator
See what your salary actually becomes after federal and state income taxes. Uses IRS federal brackets and Tax Foundation state rates.
Estimated take-home pay
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Federal tax: — · FICA (SS+Medicare): — ·
State: — · Total: — ·
Effective rate: —
How it's calculated
We subtract the federal standard deduction, apply the marginal federal brackets, then add FICA (6.2% Social Security up to $184,500 + 1.45% Medicare, plus 0.9% additional Medicare above $200k/$250k) and state income tax using real graduated brackets. This is an estimate — it ignores itemized deductions, credits, pre-tax retirement contributions, and local income taxes.