After-Tax Salary Calculator
Federal income tax, FICA, and state income tax, each shown on its own line, for the 2026 tax year. Pick a salary, a state, and how often you are paid — the pay-stub style breakdown below updates instantly and nothing you type leaves your browser.
Your salary
Figures use 2026 federal brackets and FICA. Your employer’s withholding may differ. Data reviewed —.
Your earnings statement
Federal income tax, FICA, and state tax shown separately for the annual salary you enter.
Effective tax rate: 0%. Compare state income tax rates →
How the ledger works
Each line in the ledger is a separate statutory deduction. The calculator first annualizes your salary using the pay frequency you chose, then subtracts the 2026 federal standard deduction for your filing status before applying the federal income tax brackets. Social Security tax is charged at 6.2% up to the 2026 wage base of $184,500, and Medicare tax is charged at 1.45% on all earnings, plus a 0.9% additional Medicare tax above $200,000 for single filers or $250,000 for joint filers. State income tax, where it applies, is computed on the gross amount using that state’s own brackets or flat rate. The bottom line is what reaches your bank account.
Marginal and effective rates are different. Your marginal rate is the rate on your last dollar of income; your effective rate is the share of total income that goes to federal, FICA, and state tax combined. Because the federal system is progressive, most households pay an effective rate well below their marginal rate. The calculator reports the effective rate so you can see the real bite, not just the top bracket.
What changes your take-home pay
Three inputs move the number the most. Your state is the largest lever after filing status: a household in a no-income-tax state keeps noticeably more than the same household in a high-tax state such as California or New York. Filing status matters because the standard deduction and bracket widths differ; married couples filing jointly get roughly double the single standard deduction. Pay frequency changes only how the annual figure is sliced, not the annual total, unless you are comparing an hourly wage to a salary offer.
This tool estimates regular income tax withholding. It does not model itemized deductions, retirement or health premium pre-tax contributions, capital gains, self-employment tax, or state-specific credits. If those apply to you, your actual paycheck will differ from the estimate. Use the number as a planning figure when comparing job offers, relocation decisions, or a raise, not as a substitute for a pay stub or a tax return.
To see how the fifty states and the District of Columbia compare, open the State Income Tax Guide, which lists each jurisdiction’s tax type, top marginal rate, and a worked example at a typical salary. You can also jump straight from the calculator: pick a state above and follow the link that appears beneath the effective rate. For quick references at common salaries, see $75,000 after taxes, $100,000 after taxes, the minimum-wage take-home, and the bonus tax breakdown.