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Take-Home Pay Calculator
Estimate what actually lands in your bank account. Enter your gross pay, filing status, children, retirement contributions and a state tax rate, and get your take-home pay per paycheck, per month and per year, with each tax broken out, using the IRS figures for tax year 2026.
- Take-home per year
- $58,592.50
- Take-home per month
- $4,882.71
- Gross pay per year
- $75,000.00
- Federal income tax
- $7,670.00
- Social Security (6.2%)
- $4,650.00
- Medicare (1.45%, +0.9% on high pay)
- $1,087.50
- State and local tax
- $3,000.00
- 401(k) contribution
- $0.00
- Federal taxable income
- $58,900.00
- Federal tax bracket
- 22%
- All taxes as a share of gross
- 21.88%
- Tax figures used
- 2026 federal figures (IRS Rev. Proc. 2025-32)
Saved setups
Save a set of inputs you reuse — your usual rate, your loan, your room sizes — and load it back in one tap.
Your recent calculations
Results you calculate here are kept on this device so you can come back to them.
Formula
How to use it
- Enter your gross pay and how often it is quoted — per year, per paycheck or per hour.
- Choose your filing status and enter the number of children under 17.
- Enter any traditional 401(k) or 403(b) contribution as a percentage of pay.
- Enter your state’s income tax as a rough flat rate, choose how often you are paid, and read the take-home per paycheck.
Worked examples
$75,000, single, 4% state tax: $58,900 taxable, $7,670 federal tax, paid every two weeks
- Federal taxable income
- $58,900.00
- Federal income tax
- $7,670.00
- Social Security (6.2%)
- $4,650.00
- Medicare (1.45%, +0.9% on high pay)
- $1,087.50
- State and local tax
- $3,000.00
- Take-home per year
- $58,592.50
- Take-home per paycheck
- $2,253.56
- Take-home per month
- $4,882.71
- Federal tax bracket
- 22%
- All taxes as a share of gross
- 21.88%
$120,000, married filing jointly, two children, 6% to a 401(k), 5% state tax, paid twice a month
- 401(k) contribution
- $7,200.00
- Federal taxable income
- $80,600.00
- Federal income tax
- $4,776.00
- Social Security (6.2%)
- $7,440.00
- Medicare (1.45%, +0.9% on high pay)
- $1,740.00
- State and local tax
- $5,640.00
- Take-home per year
- $93,204.00
- Take-home per paycheck
- $3,883.50
- Federal tax bracket
- 12%
$250,000, single, no state tax: Social Security stops at the $184,500 wage base and the extra 0.9% Medicare starts at $200,000
- Federal income tax
- $51,304.00
- Social Security (6.2%)
- $11,439.00
- Medicare (1.45%, +0.9% on high pay)
- $4,075.00
- Take-home per year
- $183,182.00
- Federal tax bracket
- 32%
$20 an hour, head of household with one child, no state tax, paid weekly — the credit wipes out the $1,745 income tax and $455 comes back
- Gross pay per year
- $41,600.00
- Federal taxable income
- $17,450.00
- Federal income tax
- -$455.00
- Social Security (6.2%)
- $2,579.20
- Medicare (1.45%, +0.9% on high pay)
- $603.20
- Take-home per year
- $38,872.60
- Take-home per paycheck
- $747.55
2026 federal tax brackets used here
Single: 10% up to $12,400; 12% to $50,400; 22% to $105,700; 24% to $201,775; 32% to $256,225; 35% to $640,600; 37% above.
Married filing jointly: 10% up to $24,800; 12% to $100,800; 22% to $211,400; 24% to $403,550; 32% to $512,450; 35% to $768,700; 37% above.
Head of household: 10% up to $17,700; 12% to $67,450; 22% to $105,700; 24% to $201,750; 32% to $256,200; 35% to $640,600; 37% above. Married filing separately matches single up to $256,225, then 35% to $384,350 and 37% above.
Source: IRS Revenue Procedure 2025-32, which sets the 2026 brackets, standard deductions and the $2,200 child tax credit ($1,700 of it refundable). The Social Security wage base of $184,500 is the Social Security Administration’s 2026 figure.
Your bracket is not your tax rate
Only the slice of income inside each bracket is taxed at that bracket’s rate. A single filer earning $75,000 has $58,900 of taxable income and is in the 22% bracket, but the federal income tax is $7,670 — 10.2% of gross pay. Add 7.65% for Social Security and Medicare and 4% state tax and the total is about 21.9%.
What this estimate leaves out
It assumes wages are your only income and that you take the standard deduction. It does not include itemized deductions, other credits such as the earned income credit, the 2025 law’s deductions for tips, overtime and seniors, pre-tax health premiums, local taxes that are not a flat rate, or state rules such as brackets and state deductions.
Your paycheck withholding is also set by your W-4, so it can differ from this figure; the gap is settled when you file. The result is an estimate for planning, not tax advice.
Questions people ask
How much is $75,000 a year after taxes?
About $58,593 for a single filer in 2026 with a 4% state tax: $7,670 federal income tax, $4,650 Social Security, $1,087.50 Medicare and $3,000 state tax. That is about $2,254 every two weeks.
How much is $100,000 after taxes for a single person?
With no state income tax, about $79,180 in 2026: $83,900 is taxable, federal income tax is $13,170, and Social Security and Medicare take $7,650.
Does a 401(k) contribution lower my taxes?
A traditional 401(k) contribution lowers federal income tax, and in most states state tax too, but not Social Security or Medicare. In the 22% bracket, putting $100 in costs about $78 of take-home pay, before any state saving.
Why does Social Security stop on high salaries?
The 6.2% Social Security tax only applies to the first $184,500 of wages in 2026, so it tops out at $11,439. Medicare has no cap and adds 0.9% on wages over $200,000 for a single filer.