⚠️ Estimate using 2026 standard deduction. Excludes 401(k), HSA, and other deductions.
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US Salary & Take-Home Pay Calculator — 2026
Free US salary calculator 2026. Calculate take-home pay after federal income tax, Social Security, Medicare, and state tax.
How US Take-Home Pay Is Calculated in 2026
Take-home pay is your gross salary minus federal taxes, FICA (Social Security + Medicare), and state taxes. Understanding each component helps you plan your finances accurately.
Key Deductions
Federal Income Tax: 10%–37% progressive brackets
Social Security: 6.2% on wages up to $168,600
Medicare: 1.45% on all wages (+ 0.9% above $200k)
State Tax: 0% (TX, FL) to ~13% (CA)
Pre-Tax Benefits
401(k), HSA, and FSA contributions reduce your taxable income before brackets are applied.
💡 Useful Tips
Contribute to a 401(k) to reduce taxable income now.
Check your W-4 withholding — over-withholding means giving the IRS an interest-free loan.
HSA contributions are triple tax-advantaged if you have a high-deductible health plan.
Marginal rate is the rate on your last dollar of income. Effective rate is total tax ÷ total income — always lower than marginal because lower brackets apply to lower income ranges.
Do I have to pay both federal and state income tax?
Yes, in most states. However, TX, FL, WA, NV, and 4 others have no state income tax.