US Take-Home Pay Calculator (2026)
Estimate your 2026 net pay in the United States. Enter your gross annual salary and we break down federal income tax, Social Security and Medicare so you can see what actually lands in your pocket.
Enter your salary to see the breakdown.
Estimate for a single filer taking the standard deduction ($16,100 in 2026). Federal only — state and local taxes, pre-tax benefits and other credits are not included. This is not tax advice.
How the calculation works
We subtract the 2026 standard deduction from your gross salary to get taxable income, then apply the federal income tax brackets (10% to 37%) marginally, bracket by bracket.
FICA is added on top: 6.2% Social Security up to the $184,500 wage base, plus 1.45% Medicare on all wages (an extra 0.9% applies above $200,000).
Your take-home pay is the gross salary minus federal income tax and FICA. State income tax varies widely and is not included in this national estimate.
Worked example: a $75,000 salary
For a single filer earning $75,000 a year, the calculator returns $7,670 of federal income tax and $5,738 of FICA, leaving $61,593 a year, or $5,133 a month. That is an effective deduction rate of 17.9%, before any state tax.
What is taken out of a US paycheck
- Federal income tax
- Paid by the employee through withholding. The IRS sets a standard deduction of $16,100 for single filers in 2026, and the rest of your income is taxed in seven brackets from 10% to 37%.
- Social Security
- 6.2% of wages, paid by the employee and matched by the employer, up to the 2026 wage base of $184,500.
- Medicare
- 1.45% of all wages, matched by the employer. Employees also pay an Additional Medicare Tax of 0.9% on wages above $200,000, with no employer match.
Sources
- IRS: 2026 tax inflation adjustments
- IRS Topic 751: Social Security and Medicare withholding rates
- SSA: Contribution and benefit base
Last reviewed: September 2026
Frequently asked questions
Does this include state income tax?
No. State and local taxes differ across the country (some states have none). This calculator covers federal income tax and FICA only, as a national baseline.
Which filing status is assumed?
Single, taking the standard deduction. Married filing jointly and itemized deductions would change the result.
Is this the same as my paycheck withholding?
It approximates your annual tax. Actual per-paycheck withholding depends on your W-4 and employer, and is trued up when you file.
How do I calculate net pay from a gross salary in the US?
Subtract federal income tax and FICA (Social Security plus Medicare) from your gross salary, then subtract any state tax and pre-tax benefits. The calculator above does the federal part and shows the example for a single filer.
How much federal income tax do I pay on my salary?
It depends on taxable income, not on your whole salary: the standard deduction comes off first, then each slice of income is taxed at its own bracket rate, from 10% up to 37%. The calculator applies this bracket by bracket.
What is the difference between gross pay and net pay?
Gross pay is your salary before any deduction; net pay is what reaches your bank account after taxes and other withholdings. The result panel shows both, plus the effective deduction rate.
What does an employer pay on top of my salary in the US?
The employer matches Social Security and Medicare (FICA) on your wages. These sit on top of your gross salary and never reduce your take-home pay.
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