Important Disclaimer
These estimates are INDICATIVE only. The take-home pay figures shown are approximate calculations based on standard US federal and state tax rates and should not be relied upon for financial planning purposes.
Your actual take-home pay will depend on your individual circumstances including filing status, deductions, and tax credits. We strongly recommend consulting with a qualified tax advisor or using the IRS tax withholding estimator for accurate figures.
What's Included
Our calculator estimates deductions for:
- Federal Income Tax - 2025 tax brackets for Single, Married Filing Jointly, and Head of Household
- State Income Tax - All 50 states plus DC (using effective rates for progressive states)
- Social Security Tax - 6.2% on earnings up to $176,100
- Medicare Tax - 1.45% on all earnings, plus 0.9% additional on earnings over $200,000
- 401(k) Contributions - Pre-tax traditional 401(k) deductions (up to $23,500/year)
What's NOT Included
The following factors are not accounted for and may affect your actual take-home pay:
- Local/City Income Taxes - NYC, Yonkers, Philadelphia, and other local taxes
- Tax Credits - Child Tax Credit, Earned Income Tax Credit, education credits
- Itemized Deductions - Mortgage interest, charitable donations, state/local taxes (SALT)
- Pre-tax Benefits - Health insurance, FSA, HSA, transit benefits
- Roth 401(k) - After-tax retirement contributions
- Stock Compensation - RSUs, stock options, ESPP
- Self-Employment Tax - Additional 7.65% for self-employed individuals
- Alternative Minimum Tax (AMT) - For high-income earners with certain deductions
Assumptions
Our calculations assume:
- You are a W-2 employee (not self-employed)
- You use the standard deduction ($15,000 single, $30,000 married)
- The displayed salary is your only income source
- 401(k) contributions are traditional (pre-tax)
- You have no dependents or tax credits
- You work in the same state you reside in
Tax Year 2026
All calculations use rates for tax year 2026. Tax brackets and thresholds are adjusted annually by the IRS for inflation.
Standard Deduction (2026)
- Single - $15,000
- Married Filing Jointly - $30,000
- Head of Household - $22,500
Federal Income Tax Brackets (Single Filer)
- 10% - $0 to $11,925
- 12% - $11,925 to $48,475
- 22% - $48,475 to $103,350
- 24% - $103,350 to $197,300
- 32% - $197,300 to $250,525
- 35% - $250,525 to $626,350
- 37% - $626,350+
FICA Taxes (2026)
- Social Security - 6.2% on earnings up to $176,100
- Medicare - 1.45% on all earnings
- Additional Medicare - 0.9% on earnings over $200,000
States with No Income Tax
These 9 states do not tax wage income:
- Alaska (AK)
- Florida (FL)
- Nevada (NV)
- New Hampshire (NH)
- South Dakota (SD)
- Tennessee (TN)
- Texas (TX)
- Washington (WA)
- Wyoming (WY)
Sources
Our calculations are based on official IRS and SSA rates:
Compare Salaries
Want to compare two job offers? Our Salary Comparison Tool lets you compare take-home pay side-by-side, with adjustments for location and experience level.
Questions?
If you have questions about how your take-home pay is calculated, or if you believe there is an error in our estimates, please contact us.
For authoritative information about US taxes, visit the IRS website or use the official IRS Tax Withholding Estimator.