US Income Tax Calculator 2026
Enter your salary, choose your state and filing status, and see federal tax, FICA and state tax broken out line by line.
Tax year 2026 · USD
US take-home pay calculator
Results update instantly as you type — no button to press.
$61,149/ year
Monthly
$5,096
Weekly
$1,176
$13,852
18.5%
Where the money goes
| Item | Annual | Monthly | % of gross |
|---|---|---|---|
| Gross salary | $75,000 | $6,250 | 100% |
| Federal income taxSingle filer brackets | −$8,114 | −$676 | 10.8% |
| Social Security (6.2%)Capped at $176,100 of wages | −$4,650 | −$388 | 6.2% |
| Medicare (1.45%) | −$1,088 | −$91 | 1.5% |
| Net take-home | $61,149 | $5,096 | 81.5% |
Estimates for a standard employee using published 2026 rates. Personal reliefs, credits, pension contributions and local levies can change your actual figure.
About this calculator
American paychecks are reduced by three separate systems before anything reaches your bank account: federal income tax, payroll taxes (FICA), and — in most states — a state income tax. Because each system uses different rules, thresholds and caps, two people earning identical salaries in Austin and San Francisco can take home thousands of dollars apart.
This calculator applies the 2026 federal bracket table to your income after the standard deduction, adds Social Security at 6.2% up to the annual wage base and Medicare at 1.45% (plus the 0.9% additional Medicare tax on higher earners), then layers your chosen state's income tax on top. The result is the number that actually matters: what lands in your account each month.
Everything runs in your browser as you type. Nothing is sent to a server, nothing is stored, and there is no account to create.
How the US calculation works
The US federal system is marginal, which means a raise never pushes your entire income into a higher rate. Only the dollars above each threshold are taxed at the higher percentage. The calculator applies each bracket to the correct slice of income rather than a single flat rate — this is why your effective rate is always lower than your top bracket.
Payroll taxes work differently. Social Security is a flat 6.2% but stops at the annual wage base, so high earners see their effective payroll rate fall as income rises. Medicare has no cap and adds 0.9% above $200,000 (single) or $250,000 (married filing jointly).
- Standard deduction applied first: $15,000 single, $30,000 married filing jointly.
- Federal marginal brackets from 10% up to 37%.
- Social Security at 6.2% on wages up to the $176,100 wage base.
- Medicare at 1.45% on all wages, plus 0.9% additional Medicare tax above the threshold.
- State income tax using each state's own brackets, flat rate, or zero-tax status.
- California adds State Disability Insurance (SDI) at 1.2% of wages with no cap.