Take-Home Pay2026 tax year

US Take-Home Pay Calculator

Estimate your 2026net paycheck after federal income tax, Social Security, and Medicare. Enter a salary or hourly wage and choose how often you’re paid.

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Pre-tax deductions (optional)
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Lowers income tax, but Social Security & Medicare still apply.

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Lowers both income tax and FICA wages.

Estimated take-home pay
$79,180.00 / year
ItemAnnual
Gross pay$100,000.00
Federal income tax−$13,170.00
Social Security−$6,200.00
Medicare−$1,450.00
Total taxes & deductions−$20,820.00
Take-home pay$79,180.00
Effective tax rate20.82%

Updated June 17, 2026Source: IRS Revenue Procedure 2025-32 & SSA (2026)

How this calculator works

Your take-home pay is your gross income minus four things: federal income tax, Social Security, Medicare, and (on state pages) state income tax. Federal income tax is progressive— only the income inside each bracket is taxed at that bracket’s rate, applied to your income after the standard deduction.

FICA is a flat payroll tax: 6.2% Social Security up to the annual wage base ($184,500 in 2026) plus 1.45% Medicare on all wages, with an extra 0.9% on high earnings. Pre-tax deductions like a 401(k) or HSA lower the income that gets taxed.

What’s included — and what isn’t

  • Federal income tax (2026 brackets & standard deduction)
  • Social Security & Medicare, incl. Additional Medicare
  • Pre-tax 401(k), HSA/FSA & health premiums
  • Tax credits (Child Tax Credit, EITC)
  • AMT, capital-gains rates, itemized deductions

Paycheck calculators by state

Pick your state for a tailored estimate, examples, and the official source behind the rates.