Take-Home Pay Calculator — USA (2026)
See your real paycheck after federal tax, state tax and FICA — for any filing status, state and pay schedule.
2026 rates · Last reviewed: 2026
Annual summary
From gross salary to take-home pay
Three things stand between your salary and your bank account: federal income tax, state income tax, and FICA (Social Security and Medicare). This calculator estimates each for 2026 and shows your net pay at whatever frequency you're paid.
FICA
FICA is 6.2% for Social Security up to the annual wage base, plus 1.45% for Medicare on all wages (with an extra 0.9% for high earners). It's separate from income tax and doesn't depend on deductions, so it comes off even relatively low paychecks.
The 401(k) lever
A traditional 401(k) contribution is pre-tax: it lowers your taxable income, so you owe less federal and state tax now. Enter an amount above to see the effect. Note FICA still applies to 401(k) contributions, so those don't change.
No-income-tax states
If you live in a state with no income tax — like Texas, Florida or Washington — your state line is zero, which noticeably boosts take-home compared with a high-tax state at the same salary.
This calculator provides estimates for general information only and is not financial or tax advice. See our disclaimer.