Estimate your take-home pay after federal income tax, Social Security, Medicare, state income tax, and pre-tax deductions. Updated for 2026 IRS tax brackets.
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Fill in the form and click Calculate to see your take-home pay breakdown.
Most employees see several categories of deductions on every paycheck. Understanding what each one is helps you verify your paycheck is correct and plan your finances accurately.
Calculated using IRS progressive brackets. The rate you pay depends on your taxable income and filing status. More income = higher marginal rate, but only on income above each bracket threshold.
A flat 6.2% on wages up to $176,100 in 2026 (the Social Security wage base). Income above this cap is not subject to Social Security tax.
A flat 1.45% on all wages, with no income cap. Earners above $200,000 (single) pay an additional 0.9% Additional Medicare Tax — employees are responsible for this when filing their annual return.
Varies dramatically by state — from 0% (Texas, Florida, Washington) to 13.30% at the top bracket (California). Most states use progressive brackets similar to federal tax.
Contributions to 401(k), health insurance premiums (if employer-sponsored), FSA/HSA contributions, and commuter benefits reduce your taxable income before federal and state taxes are calculated.
Roth 401(k) contributions, certain life insurance premiums, union dues, and wage garnishments come out after taxes are calculated. They reduce your take-home pay but not your taxable income.