Take-Home Pay Calculator by State
Enter your gross salary, filing status, and state to estimate your 2026 federal tax, FICA, and state income tax — and see your net take-home pay instantly. No sign-up. All calculations run in your browser.
Your Income
Find your actual rate: California FTB tax rate schedules
Annual Pay Breakdown
| Item | Annual Amount | % of Gross |
|---|
How the Estimate Is Calculated
All calculations run in your browser. No data is sent to any server.
Step 1 — Federal Taxable Income
Taxable Income = Gross Annual Salary − Standard Deduction 2026 standard deductions (Rev. Proc. 2025-32): Single $16,100 · Married Filing Jointly $32,200 · Head of Household $24,150
Step 2 — Federal Income Tax (progressive brackets)
Federal Tax = Σ (bracket rate × income in that bracket)
2026 brackets for single filers (taxable income after deduction):
10% on $0–$12,400 · 12% on $12,401–$50,400 · 22% on $50,401–$105,700 ·
24% on $105,701–$201,775 · 32% on $201,776–$256,225 · 35% on $256,226–$640,600 · 37% over $640,600
Married Filing Jointly brackets are approximately double the single thresholds.
Source: IRS Rev. Proc. 2025-32
Step 3 — FICA (Social Security + Medicare)
SS Tax = min(Gross, $184,500) × 6.2%Medicare = Gross × 1.45% SS wage base $184,500 for 2026. No wage base cap on Medicare. Source: IRS Topic 751
Step 4 — State Income Tax (simplified estimate)
State Tax = (Gross − State Deductions) × Effective State Rate
For Texas and Florida: $0 (no state income tax, verified taxfoundation.org 2026).
For Pennsylvania: flat 3.07% of gross (no state standard deduction) — PA Dept of Revenue.
For Illinois: 4.95% × (Gross − $2,925 personal exemption) — IL Dept of Revenue.
For California: enter your estimated effective rate (CA has 9 progressive brackets; use the FTB rate schedule to find yours).
For New York, Ohio, and other states: enter your estimated effective rate.
Step 5 — Take-Home Pay
Net Pay = Gross − Federal Tax − SS Tax − Medicare Tax − State Tax State-Specific Calculators
Each state page covers that state's income tax rules in detail:
Frequently Asked Questions
Take-home pay is your gross salary minus federal income tax (calculated using 2026 progressive brackets), Social Security tax (6.2% up to $184,500 wage base), Medicare tax (1.45% on all earnings), and state income tax. The result is your estimated net pay.
As of 2026, nine states have no individual income tax: Texas, Florida, Nevada, Washington, South Dakota, Wyoming, Alaska, Tennessee, and New Hampshire. Select Texas or Florida in the calculator and you will see $0 in the state tax row.
California has nine progressive income tax brackets ranging from 1% to 13.3%, plus a 1% Mental Health Services Tax on income over $1 million. Because the effective rate depends on your specific income and filing status, you can enter your estimated effective rate and use the official FTB rate schedule link provided to look up your bracket.
No. This is a rough take-home pay estimator using standard deductions and flat rate approximations. A paycheck calculator requires your specific W-4 withholding allowances, pre-tax deductions (401k, health insurance), and employer payroll software. Use this tool for ballpark planning only.
The federal tax calculation uses the verified 2026 IRS tax brackets and standard deductions from Rev. Proc. 2025-32. FICA uses the 2026 rates and wage base. State tax accuracy depends on how closely your effective rate matches the entered value. Treat all results as estimates — verify with your employer's payroll system.