Estimate your take-home pay after federal income tax, FICA (Social Security + Medicare) and state income tax for any of the 50 states.
Top marginal rate for selected state (2026). Adjust if your income falls in a lower bracket.
Per paycheck estimate · annual gross shown below
Applied to taxable income = annual gross − standard deduction ($16,100 single / $32,200 MFJ)
Single filer
| Rate | Taxable income |
|---|---|
| 10% | $0 – $12,400 |
| 12% | $12,401 – $50,400 |
| 22% | $50,401 – $105,700 |
| 24% | $105,701 – $201,775 |
| 32% | $201,776 – $256,225 |
| 35% | $256,226 – $640,600 |
| 37% | $640,601 + |
Married Filing Jointly
| Rate | Taxable income |
|---|---|
| 10% | $0 – $24,800 |
| 12% | $24,801 – $100,800 |
| 22% | $100,801 – $211,400 |
| 24% | $211,401 – $403,550 |
| 32% | $403,551 – $512,450 |
| 35% | $512,451 – $768,700 |
| 37% | $768,701 + |
| Tax | Employee rate | Wage base / threshold |
|---|---|---|
| Social Security | 6.2% | Up to $184,500/year |
| Medicare | 1.45% | No limit |
| Additional Medicare | 0.9% | Above $200,000 (Single) / $250,000 (MFJ) |
Source: IRS Topic No. 751 — Social Security and Medicare withholding rates
A typical US paycheck deducts federal income tax (based on IRS brackets), Social Security (6.2%), Medicare (1.45%), and state income tax. Some cities and counties also levy local income taxes — this calculator does not include those.
FICA stands for Federal Insurance Contributions Act. It funds Social Security (6.2% on wages up to $184,500 in 2026) and Medicare (1.45% on all wages, plus 0.9% on high earners). Both the employee and employer pay each of these rates — so the combined Social Security rate is 12.4% total.
This calculator applies 2026 IRS brackets to annualized gross pay minus the standard deduction. Actual withholding depends on your W-4 elections, other income sources, itemized deductions, and pre-tax benefits like 401(k) contributions or health insurance premiums, which reduce your taxable income.
In 2026, nine states levy no individual income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. The calculator shows 0% for these states automatically — residents keep more of each paycheck.
The pre-filled rate is each state's top marginal rate for 2026 (source: Tax Foundation). Most people pay a lower effective rate because state income taxes are also progressive in most states. Adjust the rate field to match your actual bracket, or use it as a worst-case estimate.
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