Take-Home Pay Calculator
Calculate your net pay after federal income tax, state income tax, Social Security, and Medicare deductions.
Take-Home Pay (per paycheck)
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Annual Gross
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Federal Income Tax
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State Income Tax
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Social Security (6.2%)
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Medicare (1.45%)
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Total Deductions
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Annual Take-Home
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Effective Tax Rate
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How to Use the Take-Home Pay Calculator
- Enter your gross salary: Type your annual salary before any deductions.
- Select filing status: Choose your federal tax filing status.
- Choose state tax rate: Select your state or enter a custom rate.
- Select pay frequency: Choose how often you get paid.
- View results: See your per-paycheck and annual take-home amounts.
2026 Federal Tax Brackets (Single)
| Taxable Income | Rate |
|---|---|
| $0 - $11,925 | 10% |
| $11,926 - $48,475 | 12% |
| $48,476 - $103,350 | 22% |
| $103,351 - $197,300 | 24% |
| $197,301 - $250,525 | 32% |
| $250,526 - $626,350 | 35% |
| Over $626,350 | 37% |
Frequently Asked Questions
What is take-home pay?
Take-home pay (also called net pay) is the amount you actually receive in your paycheck after all taxes and deductions are subtracted from your gross pay. This includes federal income tax, state income tax, Social Security, and Medicare.
Is this calculator exact?
This calculator provides an estimate based on standard tax brackets and rates. Your actual take-home pay may differ due to pre-tax deductions (401k, health insurance), tax credits, additional withholdings, and local taxes. Use it as a planning guide.
What is FICA tax?
FICA stands for Federal Insurance Contributions Act. It includes Social Security tax (6.2% up to $168,600 in 2026) and Medicare tax (1.45% on all earnings, plus an additional 0.9% on earnings over $200,000 for single filers).