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Take-home pay calculator

See what reaches your bank account each month and each year after income tax and social security. Each country uses its current official rules, and every source is listed.

Take-home pay in the United States

Tax year 2026 (1 January to 31 December 2026)

About this estimate

Rules used: Tax year 2026 (1 January to 31 December 2026)

Estimates only. Your payslip can differ.

See assumptions and sources

What we assume

Wages are the only income and you take the standard deduction ($16,100 single, $32,200 married filing jointly). No credits such as the child tax credit.
Married filing jointly assumes one earner, so Social Security and the extra Medicare tax use this salary alone.
Social Security is 6.2% up to $184,500 of wages. Medicare is 1.45%, plus 0.9% above $200,000 ($250,000 married filing jointly).
Your 401(k) percentage is taken before income tax (up to the $24,500 limit) but still pays Social Security and Medicare. State tax follows the same rule in the states listed.
California: 2026 FTB schedules and standard deduction, the personal exemption credit, 1% Mental Health Services Tax above $1 million, and 1.3% SDI on all wages.
New York: 2026 rates with the recapture of lower brackets above $107,650, New York City tax when you pick it, SDI and Paid Family Leave.
Massachusetts: 5% after the personal exemption and up to $2,000 of Social Security and Medicare, 4% surtax above $1,107,750, and 0.46% PFML.
Illinois: 4.95% after the $2,925 exemption per person, which falls away above $250,000 ($500,000 joint).
Washington: no income tax; Paid Family and Medical Leave and WA Cares premiums. Texas and Florida: no state income tax.
No local taxes other than New York City.