US Take-Home Pay Calculator

    See your salary after tax in the United States. Enter your annual salary to get federal income tax, state income tax and FICA (Social Security and Medicare) using 2026 rates — weekly, bi-weekly, monthly and annual.

    Australian salary calculator →

    Tax year

    $

    Gross annual salary

    $0$250k$500k

    Filing status

    Pre-tax 401(k)

    Reduces federal taxable income (still subject to FICA)

    Annual take-home pay

    $74,109.58

    Gross

    $100,000.00

    Total tax

    $25,890.42

    401(k)

    $0.00

    Where your salary goes

    Annual breakdown

    • Take-home$74,110
    • Federal income tax$13,170
    • State income tax$5,070
    • Social Security$6,200
    • Medicare$1,450

    Your 2026 tax summary

    Federal, state and FICA at a glance

    Effective tax rate

    25.9%

    Total tax as a share of gross salary

    Filing status
    Single
    State
    California
    Standard deduction
    $16,100
    Federal taxable income
    $83,900
    Total tax
    $25,890

    Your federal tax bracket

    2026 · Single

    22%

    marginal rate

    you

    In bracket

    $50,400 – $105,700

    To next bracket

    $21,800 away

    How your tax was calculated

    Bracket range Rate Tax
    $0 – $12,400 10% $1,240
    $12,400 – $50,400 12% $4,560
    $50,400 – $83,900You 22% $7,370
    Total federal tax $13,170

    Federal income tax only — state tax and FICA are shown separately.

    Pay Period Breakdown

    Grouped view · click a category to expand or collapse

    Show pay period

    Weekly Fortnightly Monthly Annual
    Take-home pay $1,425.18 $2,850.37 $6,175.80 $74,109.58
    Gross salary $1,923.08 $3,846.15 $8,333.33 $100,000.00
    Total tax -$497.89 -$995.79 -$2,157.53 -$25,890.42
    Taxes $497.89 $995.79 $2,157.53 $25,890.42
    Federal income tax $253.27 $506.54 $1,097.50 $13,170.00
    State income tax $97.51 $195.02 $422.53 $5,070.42
    Social Security $119.23 $238.46 $516.67 $6,200.00
    Medicare $27.88 $55.77 $120.83 $1,450.00

    Export Results

    Download your US salary calculation for record-keeping

    You take home about $74,110 a year — now see where it goes.

    PocketSmith is Australia's most powerful budgeting & cashflow app — connect your banks and forecast every pay cycle.

    378,000+ users · bank-level security

    See how PocketSmith works

    How US take-home pay is calculated

    Your take-home pay is your gross salary minus federal income tax, state income tax, and FICA (Social Security plus Medicare), less any pre-tax 401(k) contributions you elect to make. Federal income tax is progressive: it is charged in brackets, so each portion of your income is taxed at the rate for the bracket it falls into, and your filing status (single, married filing jointly, etc.) sets the bracket thresholds.

    The standard deduction reduces your federal taxable income before the brackets are applied — $16,100 for a single filer in 2026. State income tax then varies by state: some states levy no wage income tax at all, while others use flat or graduated rates. A pre-tax 401(k) contribution lowers your federal taxable income (and in most states your state taxable income too), but it does not reduce FICA, which is charged on your full gross wages.

    2026 federal income tax brackets (single filer)

    Taxable income Tax rate
    $0 – $12,400 10%
    $12,401 – $50,400 12%
    $50,401 – $105,700 22%
    $105,701 – $201,775 24%
    $201,776 – $256,225 32%
    $256,226 – $640,600 35%
    $640,601+ 37%

    Brackets apply to taxable income after the standard deduction ($16,100 for single filers in 2026). Married filing jointly, head of household and married filing separately use different bracket thresholds.

    FICA: Social Security & Medicare

    FICA is the federal payroll tax made up of two parts. Social Security is 6.2% on wages up to the 2026 wage base of $184,500 — a maximum of $11,439 for the year. Medicare is 1.45% on all wages with no cap. High earners also pay an Additional Medicare Tax of 0.9% on wages above $200,000 (single), $250,000 (married filing jointly) or $125,000 (married filing separately).

    FICA is charged on your full gross wages and is not reduced by 401(k) contributions. Together the 6.2% Social Security and 1.45% Medicare add up to 7.65% of wages up to the wage base.

    Filing status & the standard deduction

    Your filing status sets both your standard deduction and your bracket thresholds. The 2026 standard deductions are: Single $16,100; Married filing jointly $32,200; Head of household $24,150; Married filing separately $16,100. Married couples filing jointly get roughly double the single deduction and wider bracket thresholds, so they usually owe less tax on the same combined income than two single filers.

    State income tax varies by state

    Unlike federal tax, state income tax differs by state. Eight states have no wage income tax: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington and Wyoming. Some states use a single flat rate, while others use graduated brackets — for example California's top marginal rate reaches 13.3%. This calculator covers all 50 states plus DC for 2026, and it excludes local and city income taxes.

    Frequently asked questions

    How is take-home pay calculated in the US?

    Take-home pay is your gross salary minus federal income tax, state income tax, FICA (Social Security and Medicare), and any pre-tax 401(k) contributions.

    What is FICA?

    FICA is Social Security (6.2% up to the $184,500 wage base in 2026) plus Medicare (1.45% on all wages). Together that is 7.65% of wages, with an extra 0.9% Additional Medicare Tax on high earners.

    Does this calculator include state tax?

    Yes — all 50 states and DC for 2026, though it excludes local/city taxes and some state-specific credits and phaseouts.

    What is the 2026 standard deduction?

    The 2026 standard deduction is $16,100 for single filers, $32,200 for married filing jointly, $24,150 for head of household, and $16,100 for married filing separately.

    Related guides