Estimate your net take-home pay after 2026 federal income tax and FICA (Social Security + Medicare). Enter your gross salary and filing status.
This calculator estimates federal take-home pay using the official 2026 IRS tax brackets (Revenue Procedure 2025-32) and current payroll tax rates.
What's included: the 2026 standard deduction ($16,100 single / $32,200 married filing jointly), the seven 2026 federal marginal tax brackets (10% to 37%), and FICA payroll taxes (6.2% Social Security up to the $184,500 wage base, plus 1.45% Medicare with no cap).
What's NOT included: state and local income tax (varies enormously — some states like Texas and Florida have none, others like California can add 10%+), pre-tax deductions like 401(k) or health insurance, tax credits, or itemized deductions. This gives a federal-only baseline estimate — your actual take-home will differ based on your state and personal deductions.
No — state income tax varies enormously (some states have none, others tax over 10%). This shows federal tax and FICA only; add your state's estimate separately.
2026 federal tax brackets and the 2026 standard deduction, per official IRS figures (Revenue Procedure 2025-32).
No — pre-tax deductions like 401(k), HSA, or health insurance premiums reduce taxable income further. This calculator estimates tax on full gross salary.
FICA is the combined Social Security (6.2%, capped at $184,500 for 2026) and Medicare (1.45%, no cap) payroll tax withheld from every paycheck.
This is an estimate for planning purposes. Actual withholding depends on your W-4 elections, additional income, credits, and deductions — consult a tax professional or the IRS Tax Withholding Estimator for precise figures.