Estimate your take-home pay after federal income tax, Social Security, Medicare, and state taxes.
401(k) and other pre-tax amounts reduce income-tax wages only. HSA and health FSA amounts are treated as pre-tax cafeteria-plan (Section 125) payroll deductions within the annual limits, so they also reduce Social Security and Medicare wages. After-tax HSA contributions and dependent-care FSAs are not modeled.
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Get in Touch →This calculator estimates your net take-home pay using 2026 IRS tax brackets, FICA rates, and state income tax rates. Here's what it calculates:
Estimated with the IRS Publication 15-T (2026) percentage method that employers use, for a 2020-or-later Form W-4 with no adjustments. Your taxable pay is annualized, reduced by the Pub 15-T allowance for your filing status, and run through the 2026 withholding schedule. The result is divided by your pay periods. Married filing separately is withheld on the single schedule, as Pub 15-T requires. This is an estimate of what is withheld, not your final tax bill. The annual totals are this paycheck repeated for a full year.
Social Security is 6.2% on earnings up to $184,500 (2026 wage base). Medicare is 1.45% on all earnings. Employers also withhold a 0.9% Additional Medicare Tax on wages above $200,000 in a year, whatever your filing status. Your actual liability starts at $250,000 for married filing jointly, $125,000 for married filing separately and $200,000 otherwise, and any difference is settled on your tax return.
Estimated using simplified state effective rates. Nine states have no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming.
Contributions to 401(k), HSA, and health FSA reduce your federal (and sometimes state) taxable income before tax is calculated. HSA and health FSA payroll contributions also reduce Social Security and Medicare wages, lowering your overall tax burden.
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Get in Touch →This calculator uses the annualized income method and the standard deduction. Your actual withholding is determined by your W-4 elections, which may include adjustments for multiple jobs, credits for dependents, or additional withholding amounts. The result here is an estimate.
For single filers: 10% up to $12,400 · 12% up to $50,400 · 22% up to $105,700 · 24% up to $201,775 · 32% up to $256,225 · 35% up to $640,600 · 37% above. The standard deduction is $16,100 (single), $32,200 (married filing jointly) or $24,150 (head of household).
Yes. Traditional 401(k) contributions are pre-tax, meaning they reduce your federal (and usually state) taxable income. They do not reduce Social Security or Medicare taxes. Roth 401(k) contributions are after-tax and do not reduce your withholding.
The Social Security wage base for 2026 is $184,500. You pay 6.2% on earnings up to this amount. Once your annual earnings exceed $184,500, no additional Social Security tax is withheld for the rest of the year.
Common strategies include: increasing pre-tax 401(k) contributions, contributing to an HSA (if eligible), reviewing your W-4 to ensure you're not over-withholding, and claiming all eligible credits on your tax return to reduce your overall liability.
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