Take-Home Pay Calculator (2026)
Estimated 2026 take-home
Effective deduction rate: 15.9% of gross. Marginal federal rate: 12%. FICA uses the 2026 Social Security wage base of $184,500.00.
How this is calculated
Annual gross = per-period pay × 26 periods. Federal tax is a planning estimate: the 2026 rate schedule (IRS Rev. Proc. 2025-32) applied to gross minus the 2026 standard deduction ($16,100.00 for this filing status). FICA = 6.2% Social Security (up to $184,500.00) + 1.45% Medicare on all wages + 0.9% Additional Medicare above the statutory threshold. State tax uses the 2026 schedule for your state. Results are estimates, not withholding.
Frequently Asked Questions
What does this calculator estimate?
Your 2026 net take-home pay from gross wages: federal income tax (a planning estimate using the 2026 IRS rate schedule minus the standard deduction), FICA (6.2% Social Security up to the $184,500 wage base plus 1.45% Medicare and the 0.9% Additional Medicare Tax above the threshold), and your state income tax.
Why is the federal number an estimate?
Real paycheck withholding follows the IRS Pub. 15-T percentage tables and depends on your W-4, other income, and credits. This tool applies the 2026 tax rate schedule to gross minus the standard deduction, which is a close planning estimate but not your exact withholding.
Does this include the OBBBA no-tax-on-tips deduction?
No. This is a wage calculator. For tipped workers, see our Tip Income Tax Estimator, which models the 2026 OBBBA no-tax-on-tips deduction (up to $25,000) separately.