After Tax Salary Calculator
Your Take-Home Pay Estimate
Tax Breakdown
How to Use This Calculator
Enter your annual gross salary (the amount before any taxes or deductions), select your tax filing status and your state of residence, then click "Calculate Take-Home Pay." The calculator will estimate your net pay after federal income tax, Social Security and Medicare (FICA), and state income tax.
2026 Federal and State Tax Brackets
For 2026, the IRS has adjusted tax brackets for inflation. The standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly. Below are the 2026 federal brackets:
| Rate | Single | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | $0 - $11,925 | $0 - $23,850 | $0 - $17,000 |
| 12% | $11,925 - $48,475 | $23,850 - $96,950 | $17,000 - $64,850 |
| 22% | $48,475 - $103,350 | $96,950 - $206,700 | $64,850 - $103,350 |
| 24% | $103,350 - $197,300 | $206,700 - $394,600 | $103,350 - $197,300 |
| 32% | $197,300 - $250,525 | $394,600 - $501,050 | $197,300 - $250,525 |
| 35% | $250,525 - $626,350 | $501,050 - $751,600 | $250,525 - $626,350 |
| 37% | $626,350+ | $751,600+ | $626,350+ |
State income tax rates vary widely - 9 states have no income tax, while others have flat or progressive rates. Our calculator applies the correct rate for your state.
Frequently Asked Questions
Gross pay is your total salary before any deductions. Net pay (take-home pay) is what you actually receive after federal income tax, Social Security, Medicare, and state income tax are withheld.
FICA stands for Federal Insurance Contributions Act. It includes Social Security tax (6.2% up to the wage base limit of $176,100 in 2025) and Medicare tax (1.45% on all wages). High earners pay an additional 0.9% Medicare surtax on income over $200,000 (single) or $250,000 (married filing jointly).
Nine US states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents of these states pay no state income tax on wages.
This calculator uses the standard deduction only. If you itemize deductions (mortgage interest, charitable contributions, state and local taxes exceeding $10,000), your taxable income and resulting tax may differ. Consult a tax professional for your specific situation.
This calculator uses the official 2025 IRS tax brackets, standard deduction, and FICA rates. State tax rates are sourced from each state's revenue department. While we strive for accuracy, this tool provides estimates and should not be used as the sole basis for tax filing or financial decisions.