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Paycheck

Take-Home Pay Calculator

Enter an annual salary and see your estimated take-home pay per year, per month, and per paycheck after 2026 federal tax, Social Security, Medicare, and state income tax withholding.

Income
Tax settings

Supported for 2026: US federal, FICA, and the states listed above. Other US states, US city taxes, and Canada / UK / Australia are not yet supported.

Pre-tax deductions (optional)
Annual 401(k), HSA, or §125 contributions.

Gross pay vs take-home pay

Gross pay is your salary before anything is taken out. Take-home pay is what's left after:

  • Pre-tax deductions — 401(k), HSA, health premiums. These also lower your taxable income.
  • Federal income tax withholding — a prepayment toward your annual tax bill, set by your W-4.
  • Social Security (6.2% to $184,500 in 2026) and Medicare (1.45%, +0.9% over $200,000).
  • State income tax withholding where your state has it.

Read more: gross pay vs take-home pay.

The annual, monthly, and per-paycheck view

This calculator shows all three because they answer different questions: annual for comparing an offer, monthly for budgeting rent and bills, and per-paycheck for what actually lands each payday. They're consistent — the per-paycheck figure times the number of paychecks equals the annual figure.

What this doesn't include

Local city taxes (e.g. New York City, Philadelphia), state disability and unemployment beyond noted cases, garnishments, and post-tax benefit elections. It also assumes a 2020-or-later Form W-4. See the disclaimer, and the Methodology & Sources page for the 2026 IRS, SSA, and state figures behind the estimate.

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Frequently asked questions

What does 'take-home pay' mean?
The amount that actually reaches your bank account after federal income tax, Social Security, Medicare, and state income tax are withheld — plus any pre-tax deductions like a 401(k). It's also called net pay.
$90,000 a year — what's the take-home?
It depends on your state and filing status. As a rough guide for a single filer in 2026, expect somewhere around $66,000–$70,000 after federal tax and FICA, less if your state has income tax. Enter your details above for an estimate.
Which places are supported?
United States, tax year 2026: federal, FICA, and the states California, New York, Illinois, Pennsylvania, plus the no-income-tax states. Canada, the UK, and Australia are not supported for take-home tax — the tool tells you rather than guessing.
How is this different from the Paycheck Calculator?
This tool starts from an annual salary and shows take-home per year, per month, and per paycheck — good for budgeting or comparing a job offer. The Paycheck Calculator starts from your pay for one period (or rate and hours) and focuses on that single paycheck's deductions.
Is this the tax I'll owe?
No. It estimates payroll withholding. Your final tax is settled on your annual return, where credits, other income, and deductions can move the number in either direction.

Further reading: Gross Pay vs Take-Home Pay