US Take-Home Pay Calculator
See your US salary after federal income tax and FICA — monthly, weekly and yearly. Not in the US? See our UK Salary After Tax Calculator instead, or use the auto-detecting hub calculator.
🇺🇸 Federal income tax + FICA — state tax not included
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How the estimate is calculated
This calculator applies 2026 federal tax brackets, from 10% to 37%, using the standard deduction and bracket schedule for your chosen filing status — single, married filing jointly, or head of household each have different thresholds. On top of federal income tax, it adds 7.65% FICA — 6.2% Social Security (up to the $184,500 annual wage base) and 1.45% Medicare — and, for 24 supported states, a state income tax on top.
Retirement and HSA contributions are deducted before federal (and, where supported, state) tax is calculated, which is why adding a contribution percentage often costs less in take-home pay than it adds to your account.
Worked example — $60,000 salary, single filer, no 401(k), no state selected: after the $16,100 standard deduction (2026), $43,900 is taxable through the federal brackets, giving $5,020 in federal income tax. FICA adds 7.65% of the full $60,000 gross ($4,590 — Social Security 6.2% + Medicare 1.45%; FICA applies to gross pay, not the deduction-reduced figure). Total federal deductions: $9,610. Take-home: roughly $50,390/year, or $4,199/month — before any state income tax.
Filing status changes your bracket schedule
The IRS uses a different standard deduction and set of bracket thresholds for each filing status. For 2026, the standard deduction is $16,100 (single), $32,200 (married filing jointly) and $24,150 (head of household) — married couples filing jointly effectively get double the single-filer's lower brackets, while head of household sits between the two for its bottom two brackets before matching the single schedule from the 22% bracket up.
Take-home pay by salary (single filer, no state tax)
Estimated monthly take-home at different gross salaries, single filer, no 401(k) contribution, federal tax + FICA only:
| Gross salary (yearly) | Take-home (monthly) | Effective rate |
|---|---|---|
| $40,000 | $2,860 | 14.2% |
| $60,000 | $4,199 | 16.0% |
| $80,000 | $5,426 | 18.6% |
| $100,000 | $6,598 | 20.8% |
These reference figures are federal tax + FICA only — use the state selector above to add your state's tax if it's one of the 24 we support.
Which states this calculator covers
US take-home pay depends heavily on which state you live in, so this calculator now models state income tax for 24 states directly: the 9 states that charge no wage income tax at all (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming), plus the 15 states that use a single flat rate regardless of income (from Arizona's 2.5% up to Idaho's 5.3% — see the state dropdown above for the full list and rates).
States with graduated, multi-bracket schedules — including California, New York, and most other states — aren't modeled yet, since replicating each state's own bracket structure accurately is a larger undertaking than this pass covers. Selecting one of those states (or leaving the field on "Not listed") shows federal tax + FICA only, with a note under your result confirming that's what happened, rather than guessing at a number we haven't verified.
Common deductions this doesn't include
This calculator gives you federal income tax, FICA, and state tax where supported, but a real paycheck usually has more taken off before the money lands in your account. Local/city income tax, health insurance premiums, dental and vision plans, and any FSA contributions are typically deducted from your paycheck before you see it, and none of those are factored in above.
That's why this tool is a starting point, not a paycheck-exact figure. A $60,000 salary with a 6% 401(k) contribution and a $200 monthly health premium will show noticeably less in your actual bank deposit than the "take-home" number here, because those amounts come out on top of federal, state and FICA tax. The gap between the estimate and your real paycheck is almost always these extra deductions, not an error in the tax calculation itself.
Frequently asked questions
How accurate is this US take-home pay calculator?
It's a close estimate using 2026 federal tax brackets, your filing status, FICA rates, and — for the 24 supported states — state income tax. Local tax, health insurance premiums and other payroll deductions are not included, so your actual paycheck will differ — check your pay stub for the exact figure.
Which states does this calculator support?
The 9 states with no wage income tax (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) and the 15 states with a single flat income tax rate (Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Mississippi, North Carolina, Pennsylvania, Utah). States with graduated brackets, like California and New York, aren't modeled yet — the calculator shows federal and FICA tax only for those.
Does this include 401(k) or HSA contributions?
Only the percentage you enter in the retirement/HSA contribution field is deducted before tax. Employer matching, automatic escalation and other retirement benefits are not included — check your latest pay stub or 401(k) statement for the full picture.
What counts as FICA?
FICA is 7.65% of gross pay: 6.2% for Social Security (up to the annual wage base limit) and 1.45% for Medicare (no cap, plus an additional 0.9% above $200,000 for high earners, not modeled here).
Is there a UK version of this calculator?
Yes — see our UK Salary After Tax Calculator, which uses Income Tax bands and National Insurance instead of federal tax and FICA.
Estimates for information only, not tax advice.