Take-Home Pay Calculator
Calculate your net paycheck after federal taxes, state taxes, FICA, and deductions. See exactly how much you'll take home.
Pre-Tax Deductions (Optional)
Per Paycheck
$1,964
Bi-weekly
Annual Take-Home
$51,076
31.9% effective rate
Paycheck Breakdown
Social Security + Medicare
What's Included:
- ✓ Federal income tax (2026 brackets)
- ✓ State income tax (California)
- ✓ Social Security (6.2%, max $184,500)
- ✓ Medicare (1.45% + 0.9% on income >$200K)
- ✓ Pre-tax deductions (401k, health insurance)
Understanding Your Deductions
Federal Tax
Progressive tax brackets from 10% to 37% based on your taxable income
FICA
Social Security (6.2%) and Medicare (1.45%) - mandatory payroll taxes
State Tax
Varies by state (0% to ~13%). Some states like TX and FL have no income tax
Official References
This calculator uses current federal and state tax rates:
- IRS Federal Income Tax Rates and Brackets
Current year federal tax brackets
- Social Security Contribution and Benefit Base
Annual Social Security wage base limit
- Additional Medicare Tax Information
0.9% Additional Medicare Tax guidance
This calculator provides estimates. Your actual take-home pay may vary based on additional deductions, credits, and state/local taxes. Tax rates and brackets accurate as of January 12, 2026.
Frequently Asked Questions
How do I calculate my take-home pay from my salary?
Start with your gross salary, then subtract federal and state income taxes, Social Security (6.2%), and Medicare (1.45%). Pre-tax deductions like 401(k) and health insurance lower your taxable income first.
What is the difference between gross pay and net pay?
Gross pay is your total salary before anything is taken out. Net pay (take-home pay) is what actually hits your bank account after federal taxes, state taxes, Social Security, Medicare, and pre-tax deductions are withheld.
How much tax is taken out of a paycheck in 2026?
It depends on your income, filing status, and state. Federal brackets range from 10% to 37%, plus 6.2% for Social Security (up to $184,500 in 2026) and 1.45% for Medicare. State tax ranges from 0% (Texas, Florida) to over 10% (California, New Jersey).
How do I calculate my monthly take-home pay?
Divide your annual take-home pay by 12. If you're paid biweekly, multiply your per-paycheck amount by 26, then divide by 12. The pay frequency selector above lets you switch between annual, monthly, biweekly, and weekly views.
What is a salary after-tax calculator and who should use it?
It estimates your net income by subtracting all taxes from your gross salary. Useful when evaluating a job offer, budgeting, or comparing compensation across states.
Does this take-home pay calculator work for all 50 states?
It covers 15 of the most common states including California, New York, Texas, Florida, and others, with federal brackets for 2025 and 2026. If your state has no income tax, select "No State Tax."