US salary after tax calculator 2026
Enter your gross salary and get your take-home pay with the full deduction breakdown — federal tax by filing status, state tax, Social Security and Medicare — using verified, dated parameters. Instant and 100% local: nothing is sent to a server.
Rates verified on 10/3/2026 — official sources
| Line | Rate | Base | Amount |
|---|---|---|---|
| Social Security (OASDI, ≤ 184,500 $) | 6.20% | $6,250.00 | $387.50 |
| Medicare | 1.45% | $6,250.00 | $90.63 |
| Federal income tax (single, taxable 58,900 $) | 13.02% | $4,908.33 | $639.17 |
Excludes employer-specific insurance and benefits (which vary by plan) — indicative estimate, not contractual.
How is your take-home pay computed?
Take-home pay is obtained by subtracting employee withholding and payroll taxes from gross: federal income tax by filing status (single, married filing jointly, head of household), state income tax where it applies, and FICA — Social Security up to the wage base, Medicare on all wages.
Pre-tax deductions that vary by employer — 401(k) contributions, health insurance premiums — are out of scope and documented on the methodology page.
Most-searched amounts:
Default assumptions
- Private-sector employee paid an annual gross salary — switch the form to a monthly view if needed.
- Filing status defaults to single (married filing jointly and head of household are selectable); state defaults to Texas — ten states are parameterized, including no-income-tax ones.
- No pre-tax payroll deductions (401(k) deferrals, health premiums) — they vary by employer plan.
A worked example
On a $75,000 annual gross (single filer, Texas), the engine itemizes $13,407.50 of withholdings (17.88% effective) — federal income tax, Social Security and Medicare — leaving a take-home of $5,132.71 per month. These amounts are produced by the same code as the form above, when this page is generated — and every salary amount page is recomputed the same way at build time, audited to the cent before deploy.
Need the monthly figure, the annual equivalent, or a different filing status or state? The form converts monthly ↔ annual and exposes every parameterized option — nothing is approximated outside the verified set.
What this calculator does not compute
Local income taxes (New York City…), refundable credits like EITC or the Child Tax Credit, itemized deductions and employer-specific pre-tax benefits are out of scope — the full list is documented on the methodology page. For the reverse conversion — starting from a target take-home to find the gross to negotiate — use the paycheck calculator.
Why your actual paycheck may differ
Real paychecks carry lines we deliberately leave out: 401(k) deferrals, health premiums, HSA/FSA contributions, garnishments — all employer- or plan-specific. Local income taxes and refundable credits are documented gaps too. At identical parameters, the engine is cross-checked against official payroll references before publication. One practical detail: the form state is shareable by URL — copy the link with your parameters and the recipient lands on the same calculation.