Take-Home Pay Calculator (2026)
See exactly what lands in your bank account after federal income tax, state income tax, Social Security, and Medicare, in any US state, using the official 2026 brackets.
Estimated take-home pay · Texas
$61,593 / year
Monthly
$5,133
Biweekly
$2,369
Hourly
$29.61
- Gross pay
- $75,000
- Federal income tax
- −$7,670
- TX state income tax
- −$0
- Social Security (6.2%)
- −$4,650
- Medicare (1.45%)
- −$1,088
- Take-home pay
- $61,593
- Effective tax rate
- 17.9%
How your 2026 paycheck is calculated
1 · Federal income tax
Seven brackets from 10% to 37% apply to taxable income: your salary minus the $16,100 standard deduction ($32,200 married). Each bracket only taxes the dollars inside it.
2 · FICA payroll taxes
Social Security takes 6.2% of wages up to $184,500, and Medicare takes 1.45% of everything (plus 0.9% above $200,000). Your employer pays a matching share.
3 · State income tax
Nine states tax nothing, 15 use one flat rate, and 27 use graduated brackets, from 2.5% in Arizona to 13.3% in California. This is where location changes your paycheck most.
Take-home pay examples: no-tax vs. high-tax state
Single filer, standard deduction, no pre-tax benefits. Click any salary for the full 50-state breakdown.
| Gross salary | Take-home in Texas | Take-home in California | Difference |
|---|---|---|---|
| $40,000 | $34,320 (86% kept) | $33,211 (83% kept) | $1,109 / yr |
| $50,000 | $42,355 (85% kept) | $40,656 (81% kept) | $1,699 / yr |
| $60,000 | $50,390 (84% kept) | $47,961 (80% kept) | $2,429 / yr |
| $75,000 | $61,593 (82% kept) | $57,830 (77% kept) | $3,763 / yr |
| $100,000 | $79,180 (79% kept) | $72,810 (73% kept) | $6,370 / yr |
| $150,000 | $113,791 (76% kept) | $102,121 (68% kept) | $11,670 / yr |
Paycheck calculators for every state
Each state page includes 2026 brackets, worked examples, and the local quirks that change your net pay.
Frequently asked questions
How do I calculate my take-home pay?+
Start with gross salary, subtract the federal standard deduction ($16,100 single / $32,200 married in 2026), apply the seven federal brackets (10%–37%), then subtract FICA (6.2% Social Security up to $184,500 + 1.45% Medicare) and your state's income tax. What remains is take-home pay. This calculator does all four steps instantly.
What percentage of my paycheck goes to taxes in 2026?+
Typically 20–30% all-in. A single filer at $60,000 loses about 19–26% depending on state; at $120,000 it's roughly 25–33%. The biggest swing factor is state income tax, which ranges from 0% (Texas, Florida, and seven others) to over 13% (California).
Which states have no income tax in 2026?+
Nine states: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire finished repealing its interest & dividends tax in 2025, and Washington taxes only high capital gains, not wages.
Is this calculator accurate for 2026?+
Yes. It uses the official 2026 IRS brackets from Rev. Proc. 2025-32, the SSA's $184,500 Social Security wage base, and Tax Foundation state bracket data as of January 2026. It assumes the standard deduction and no dependents; pre-tax benefits beyond 401(k) will change your result.
Does the calculator include local or city taxes?+
No. City and county income taxes (like NYC's ~3-3.9%, Maryland's county taxes, or Ohio municipal taxes) are not included, but every affected state page warns you and tells you roughly how much to add.