2026 Take-Home Pay Calculator
Enter your gross annual salary and U.S. state. Get your estimated annual and monthly take-home pay after federal income tax (2026 IRS brackets), state income tax (per each state Department of Revenue 2026 schedule across all 50 states plus the District of Columbia), and FICA (Social Security 6.2% to $184,500 + Medicare 1.45%). See our methodology for the exact 2026 brackets and refresh cadence.
How this calculator works
This calculator applies United States's progressive tax brackets to the income you enter, moving each dollar through the correct marginal rate until the full amount is accounted for. The effective rate shown at the bottom is the total tax divided by gross income, a useful number for budgeting because it represents what you actually pay on every dollar earned, not just the headline marginal rate. We never apply a flat percentage to total income. Standard deductions and common adjustments are applied in the same order the tax authority applies them, so the result matches the official calculation within rounding error. If you file jointly, select the joint filing status, brackets widen substantially and the difference is meaningful for middle-income households.
Required inputs: gross salary, state.
Source: IRS Revenue Procedure 2025-32 + state DOR 2026 brackets + SSA wage base
2026 Take-Home Estimate
How This Quick Calculator Differs from the Main Calculator
The take-home estimator uses single-filer 2026 brackets and applies the standard deduction automatically. For more granular control over filing status, deductions, and self-employment status, use the main 2026 tax calculator. For per-state bracket detail, see the state pages.
More PlainTaxCalc calculators and reference pages
After estimating take-home pay, compare state burdens, open federal tables, or run the full annual calculator.
- Full federal + state calculator Annual estimate with bracket walk and state schedule detail.
- Federal marginal rate lookup Find your bracket from taxable income and filing status alone.
- 2026 federal bracket tables Complete IRS schedule for all four filing statuses.
- Compare state tax burdens Sort all 51 jurisdictions at $50K, $100K, and $200K.
- Lowest state tax at $100K Ranked board of the lightest state-income-tax lines.
- Effective vs marginal rate Why take-home differs from headline bracket labels.
- Self-employment tax guide SECA mechanics when payroll withholding does not apply.
- All PlainTaxCalc tools Return to the tools hub for calculators and reference surfaces.
Every figure on PlainTaxCalc is rendered directly from IRS Revenue Procedure and state Department of Revenue data, no number is typed in by an editor. This page draws directly on IRS Revenue Procedure and state Department of Revenue data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, the data changelog, or report a data issue on this page.
A published rate is a schedule line, not a filing recommendation. The calculator's take-home figure applies the standard deduction only, it excludes credits, AMT, and itemized deductions. These pages explain the issued tables; they are not tax advice.