2026 federal rates · all 51 state schedules
Know your real paycheck, not just your salary.
Enter your gross salary and state to see take-home pay after federal income tax, Social Security and Medicare, and state income tax — with a full breakdown.
- Every U.S. state and D.C., always current published rates
- Single, married, and head-of-household filing statuses
- Annual, monthly, bi-weekly, and weekly views
Take-home pay calculator
Your estimated take-home pay
$4,905 per month
$58,860 per year
State income tax at a glance
Pick your state for full take-home pay tables — single and married filers, salaries from $40,000 to $200,000.
Popular state comparisons
Moving? See which state keeps more of the same salary.
How the math works
Every estimate runs the same pipeline: your gross salary minus the federal standard deduction, taxed through the 2026 federal brackets; Social Security at 6.2% up to the $184,500 wage base; Medicare at 1.45% (plus 0.9% above $200,000); then your state's own schedule, standard deduction, personal exemptions, and any state payroll deductions like California SDI or Washington PFML.
The result is a close estimate of annual net pay. It assumes you take the standard deduction and have no other credits, pre-tax deductions, or withholding adjustments.
Not included
- Child tax credit and most other credits
- 401(k), HSA, and insurance premiums
- Itemized deductions
- City and county wage taxes (e.g., NYC, Louisville)
- Bonuses at the 22% supplemental rate
Questions people ask
What is take-home pay?
Take-home pay (net pay) is your gross salary minus federal income tax, Social Security and Medicare (FICA), state income tax, and any state payroll deductions. It is the amount that actually lands in your bank account.
Which states have no income tax?
Nine states do not tax wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents there still pay federal tax and FICA.
How accurate is this calculator?
It uses the IRS 2026 inflation-adjusted schedules and each state's latest published rate schedule, and assumes the standard deduction. It does not model tax credits, pre-tax deductions like 401(k) contributions, itemized deductions, or most local wage taxes, so treat results as a close estimate rather than an exact figure.
Does the calculator include local city taxes?
No. Some cities and counties (for example New York City, Louisville, or Columbus) levy their own income or occupational taxes. Those are excluded everywhere except where a state's payroll deductions are handled at the state level.
File smarter
Where to file this year, from DIY software to free IRS options.