Take-Home Pay Calculator
Enter your pay to estimate your take-home pay after 2026 federal income tax, Social Security and Medicare, shown per year, month, pay period and hour.
Last updated November 2, 2026
Result
$61,592.50 a year
Estimated take-home pay after tax. Total tax $13,407.50 (17.9% of gross).
| Period | Take-home |
|---|---|
| Per year | $61,592.50 |
| Per month | $5,132.71 |
| Per 2 weeks | $2,368.94 |
| Per week | $1,184.47 |
| Per hour | $29.61 |
| Tax per year | Amount |
|---|---|
| Federal income tax | $7,670.00 |
| Social Security | $4,650.00 |
| Medicare | $1,087.50 |
| Total tax (17.9% effective) | $13,407.50 |
Estimate only. 2026 federal tax, standard deduction.
Show the work
Formula: take-home = gross - pre-tax retirement - (federal + Social Security + Medicare + state tax)
- Gross pay: $75,000.00 a year.
- Pre-tax retirement: $0.00.
- Taxable income: $75,000.00 - $0.00 - $16,100.00 standard deduction = $58,900.00 (never below $0).
- Federal income tax (2026, single): $12,400.00 at 10% + $38,000.00 at 12% + $8,500.00 at 22% = $7,670.00.
- Social Security: $75,000.00 x 6.2% = $4,650.00 (wages count up to $184,500.00).
- Medicare: $75,000.00 x 1.45% = $1,087.50.
- Total tax: $7,670.00 + $4,650.00 + $1,087.50 = $13,407.50 (17.9% of gross).
- Take-home: $75,000.00 - $0.00 - $13,407.50 = $61,592.50 a year.
- Per month: $61,592.50 / 12 = $5,132.71. Every 2 weeks: / 26 = $2,368.94. Per week: / 52 = $1,184.47. Per hour: / (40 x 52) = $29.61.
Result: $61,592.50 a year
How take-home pay is estimated
take-home = gross pay − pre-tax retirement − federal income tax − Social Security − Medicare − state estimate
Federal income tax is figured on taxable income: gross pay minus pre-tax retirement contributions minus the standard deduction for your filing status. The tax is added up bracket by bracket, so only the part of your income inside a bracket is taxed at that bracket’s rate.
Social Security (6.2% up to a yearly wage limit) and Medicare (1.45%, plus 0.9% on wages above $200,000) are taken from gross pay; pre-tax retirement contributions do not reduce them. State and local tax is a flat percentage that you enter.
See how we calculate for the formulas, sources and review schedule behind every calculator.
What is and is not included
The estimate covers federal income tax using the standard deduction, Social Security, Medicare and the Additional Medicare Tax for one job, plus an optional flat state and local rate and optional pre-tax retirement contributions. It does not include tax credits, other income, itemized deductions, health insurance or other pre-tax benefits, or local taxes beyond the rate you enter.
It is an estimate of the year’s tax spread evenly over the year, not your employer’s withholding, which follows your W-4 form and IRS methods and can differ. This page is general information, not tax advice.
Marginal rate versus what you actually pay
In the $75,000 example the top bracket reached is 22%, but total tax of $13,407.50 is only about 17.88% of gross pay. The 22% is the marginal rate: it applies to the last dollars earned, not to everything.
That is why a raise never lowers your pay. A $1,000 raise for this single filer adds $220 of federal income tax, $62 of Social Security and $14.50 of Medicare, so $703.50 stays in your pocket.
Retirement savings and state tax in the result
Add $6,000 of pre-tax retirement contributions and a 4% state rate to the same $75,000 salary. Taxable income falls to $75,000 − $6,000 − $16,100 = $52,900, so federal income tax drops to $6,350. Social Security ($4,650) and Medicare ($1,087.50) stay the same because they ignore the contribution. State tax is 4% of $69,000, or $2,760.
Take-home pay is $54,152.50, about $7,440 less than the $61,592.50 without these entries. Of that gap, $6,000 went into your retirement account rather than to a tax bill.
Filing status and high earnings
Filing status changes the standard deduction and the brackets. The same $75,000 as a head of household has taxable income of $50,850 and federal tax of $5,748, leaving $63,514.50, which is $1,922 more than a single filer keeps.
Social Security stops at the 2026 wage base of $184,500, so at most it takes $11,439. A single filer on $250,000 therefore pays $11,439 Social Security, $3,625 Medicare and $450 Additional Medicare Tax (0.9% of the $50,000 above $200,000), on top of $51,304 federal income tax.
Sources and data
Tax year 2026. Federal tax brackets: IRS Revenue Procedure 2025-32 (section 4.01). Standard deductions: IRS announcement IR-2025-103 (October 9, 2025). The Social Security wage base of $184,500, the 6.2% and 1.45% rates and the 0.9% Additional Medicare Tax on wages above $200,000: IRS Publication 15 (2026).
The figures were last checked against these IRS documents on November 2, 2026 and are refreshed each January.
Sources
Official and primary sources for the statements on this page. Their authors have not reviewed or endorsed this page.
- Internal Revenue Service, Rev. Proc. 2025-32, inflation adjustments for tax year 2026.. The 2026 federal income tax bracket thresholds used for the estimate (section 4.01).
- Internal Revenue Service, IR-2025-103 (October 9, 2025), tax year 2026 inflation adjustments.. The 2026 standard deduction: $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
- Internal Revenue Service, Publication 15 (2026), (Circular E), Employer's Tax Guide.. The 6.2% Social Security rate with the $184,500 wage base for 2026, and the 1.45% Medicare rate with no wage base limit.
- Internal Revenue Service, Topic no. 751, Social Security and Medicare withholding rates.. The 0.9% Additional Medicare Tax withheld on wages above $200,000 regardless of filing status, and the $184,500 Social Security wage base for 2026.
How to use the Take-Home Pay Calculator
- Enter your pay and choose whether it is per hour, week, two weeks, twice a month, month or year.
- Choose your filing status.
- Optionally add pre-tax retirement contributions and a state and local tax rate.
- Read your estimated take-home pay and the tax breakdown, then use Copy, Print or Share.
Worked example
A single filer earning $75,000 a year has taxable income of $75,000 − $16,100 = $58,900. Federal income tax is $1,240 (10% of the first $12,400) + $4,560 (12% of the next $38,000) + $1,870 (22% of the remaining $8,500) = $7,670. Social Security is 6.2% of $75,000 = $4,650 and Medicare is 1.45% = $1,087.50. Take-home pay is $75,000 − $7,670 − $4,650 − $1,087.50 = $61,592.50 a year, which is $5,132.71 a month or $2,368.94 every two weeks.
| Tax rate | Taxable income |
|---|---|
| 10% | Up to $12,400 |
| 12% | $12,401 to $50,400 |
| 22% | $50,401 to $105,700 |
| 24% | $105,701 to $201,775 |
| 32% | $201,776 to $256,225 |
| 35% | $256,226 to $640,600 |
| 37% | Over $640,600 |
Frequently asked questions
Does this include state income tax?
Only the flat rate you enter. Enter 0 if your state has no income tax, or use your state’s rate as an estimate.
Why is my paycheck different from this estimate?
Employers withhold based on your W-4 and IRS withholding methods, and your pay may include benefit deductions, credits or other income that this estimate does not model.
What is the standard deduction in 2026?
For 2026 it is $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
Do retirement contributions reduce Social Security and Medicare tax?
No. Traditional 401(k)-style contributions lower federal income tax, but Social Security and Medicare are taken from gross pay.
Are my numbers stored or sent anywhere?
No. The calculation runs in your browser and nothing you enter is saved or uploaded.