Take-home pay is gross pay minus federal income tax, Social Security, Medicare and state tax. This calculator uses the 2026 federal figures — the Rev. Proc. 2025-32 brackets, standard deductions of $16,100 single, $32,200 married filing jointly and $24,150 head of household, and the $184,500 Social Security wage base — and applies state tax as a flat rate you enter. Estimate your take-home pay from an hourly wage or annual salary. Enter your pay frequency, filing status and state rate to see federal tax, Social Security, Medicare and net pay per paycheck.
| Gross pay | — |
|---|---|
| Federal income tax | — |
| Social Security | — |
| Medicare | — |
| State tax | — |
| 401(k) | — |
| Net (take-home) | — |
| Effective tax rate | — |
Estimate only. Actual withholding depends on your W-4 and employer. Federal and FICA figures use 2026 IRS values; state tax is the flat rate you enter.
Gross in, net out — with the full breakdown in between.
Choose salary or hourly. For hourly, enter your rate and hours per week; for salary, enter the annual amount.
Pick how often you're paid and your filing status, then add your state's flat income tax rate if it applies.
See take-home pay per paycheck plus the full annual breakdown — federal tax, Social Security, Medicare, state tax and 401(k). Open Advanced to add a 401(k) rate, pre-tax deductions or extra withholding.