PaycheckCalc
2026 tax year | All 50 states + 60 plus cities

US Paycheck Take Home Calculator 2026

Enter your annual salary and see your 2026 take-home pay after federal taxes, state taxes, FICA, local city taxes, 401(k), and HSA deductions.

All 50 US States60+ City Jurisdictions2026 Tax Brackets401(k) + HSA ModelingNo Sign-up Required

Enter your salary to begin

Type above or pick a quick salary to see your 2026 take-home pay instantly.

US paycheck math layers federal income tax, FICA (Social Security and Medicare), state income tax, and supported local tax on top of gross salary. The 2026 federal brackets run from 10% to 37% across seven slices, with a standard deduction of $16,100 single ($32,200 married filing jointly). FICA adds 6.2% Social Security up to the $184,500 wage base and 1.45% Medicare on every dollar, plus a 0.9% Additional Medicare Tax on wages above $200,000 single ($250,000 MFJ). State tax structure varies: nine states levy no broad-based personal income tax, 16 apply a single flat rate, and 26 (including DC) run progressive brackets. A handful of cities and counties layer local income tax above the state line. The calculator above applies all of these in real time as you enter salary, state, city, filing status, and pre-tax deductions. State pages, city pages, salary anchor pages, and comparison pair pages cover specific cases in more depth.

Built for trust

What this calculator covers, and what can still change your paycheck

PaycheckCalc is designed to give a strong salary-to-net-pay estimate for W-2 workers. It models federal tax brackets, standard or itemized deductions, Social Security, Medicare, state income tax, and supported local income taxes. Your real paycheck can still differ if your employer uses supplemental wage rules, custom withholding elections, after-tax benefits, or payroll-specific rounding.

Included in the estimate

  • Federal income tax brackets and standard deductions
  • Social Security and Medicare, including the Additional Medicare Tax
  • State income tax across all 50 states plus Washington, DC
  • Supported local taxes in high-impact jurisdictions such as New York City and Philadelphia
  • Traditional 401(k), HSA, post-tax deductions, and itemized deduction inputs

Common reasons payroll can differ

  • W-4 withholding elections that do not match simple annualized tax math
  • Bonuses, stock compensation, or supplemental wage treatment
  • Pre-tax employer plans that are not modeled here
  • State-specific credits, reciprocal agreements, or multi-state work situations
  • Employer payroll systems that round withholding at each paycheck

Where to go deeper

How PaycheckCalc estimates take-home payPaycheck and withholding FAQsPaycheck and tax glossaryCompare paycheck taxes between two locationsGlobal tax directory (18 plus countries)

Reviewed

How This Page Is Reviewed

This homepage is reviewed against primary tax sources and the underlying calculation engine before each major tax-year update. Source links below are the references we use to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-05-28

Help Center

Frequently Asked Questions

Everything you need to know about US paycheck deductions, 2026 tax brackets, and how to maximize your take-home pay.

How is take-home pay calculated?
Take-home pay starts with gross salary, then subtracts federal income tax (after the standard deduction), Social Security (6.2% up to the wage base), Medicare (1.45% uncapped, plus 0.9% Additional Medicare above $200,000), state income tax where applicable, and supported local taxes. Pre-tax 401(k) and HSA contributions reduce federally taxable income first.
What's the difference between gross and net pay?
Gross pay is your salary before any deductions, the figure your employer agreed to pay you. Net pay (take-home) is what lands in your bank account after federal income tax, FICA, state and local tax, and any pre-tax or post-tax deductions like 401(k), HSA, health insurance, or Roth IRA contributions come out.
How do federal income tax brackets work in 2026?
The 2026 federal brackets are progressive: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. Each bracket applies only to the slice of taxable income inside its range, after the standard deduction. A single filer with $100,000 of gross income pays 10% on the first portion, 12% on the next, and so on.
What is FICA and what does it cover?
FICA is the Federal Insurance Contributions Act payroll tax that funds Social Security and Medicare. Social Security is 6.2% on wages up to the $184,500 wage base for 2026. Medicare is 1.45% on every dollar of wages, plus a 0.9% Additional Medicare Tax on wages above $200,000 single ($250,000 MFJ).
Why does take-home pay vary by state?
Federal income tax and FICA hit identically nationwide, but state income tax structure varies widely. Nine states charge no broad-based personal income tax; 16 apply a single flat rate; 26 (with DC) run progressive brackets that range from sub-three-percent floors to top rates above 10%. State-administered SDI or PFML adds small per-paycheck contributions in 11 states.
How do 401(k) contributions affect take-home?
Traditional 401(k) contributions are pre-tax: they reduce federal taxable income and most states' taxable income at your marginal rate. The 2026 employee limit is $24,500 ($32,500 with age-50 catch-up). At the 22% federal bracket, maxing the 401(k) cuts federal tax by about $5,390 per year before any state-side savings.

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