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.