Take-Home Pay Calculator (2026)
This free calculator estimates your take-home pay from a gross salary for the 2026 tax year. As an example, a $75,000 single salary in a no-income-tax state like Texas works out to roughly $61,593 net per year (about $5,133/month), an effective tax rate near 17.9% after federal income tax and FICA. Enter your own salary, filing status and state below for a personalized estimate. Figures are simplified estimates, not tax advice.
Source: IRS & SSA (2026 official figures). Data as of 2026-06-13.
What "take-home pay" means
Take-home pay (also called net pay) is what lands in your bank account after taxes and withholdings are removed from your gross salary. For most US employees the biggest deductions are federal income tax, the employee share of FICA (Social Security and Medicare), and — in most states — state income tax. This tool estimates those three.
How the estimate is built
- Federal income tax — your gross minus the standard deduction, run through the 2026 marginal brackets for your filing status.
- Social Security — 6.2% on wages up to the $184,500 wage base.
- Medicare — 1.5% on all wages, plus an extra 0.9% above $200,000 (single).
- State income tax — a flat rate, progressive brackets, or zero, depending on the state you pick.
It does not model 401(k)/HSA contributions, credits, itemized deductions, or local (city/county) income taxes. See our methodology for the full list of assumptions and sources.
Frequently asked questions
How does this take-home pay calculator work?
It subtracts an estimate of three things from your gross salary: federal income tax (using the 2026 marginal brackets and the standard deduction), employee-side FICA (6.2% Social Security up to the wage base plus 1.45% Medicare), and your state's income tax. Everything runs in your browser and nothing is sent to a server.
What does the calculator NOT include?
It assumes the standard deduction and ignores pre-tax deductions (401(k), HSA, health premiums), tax credits, local/city income taxes, and other withholdings. Those can move your real net pay up or down by thousands of dollars, so treat the result as a ballpark estimate.
Is this tax advice?
No. TakeHomeHQ provides simplified estimates for general education only. Verify any figure with the IRS and your state Department of Revenue, and consult a qualified tax professional before making decisions.
Which tax year does it use?
It uses 2026 tax-year figures (rules version 2026.2, last updated 2026-06-13). Federal brackets, the standard deduction, FICA rates and the Social Security wage base are the official 2026 figures (IRS Rev. Proc. 2025-32 and SSA); state rates are the most recent published figures.
Estimate by state
Want the brackets and a worked example for your state? Browse the state take-home pay guides.
Not tax advice. All figures are estimates for the 2026 tax year. Verify with the IRS and your state Department of Revenue. See our disclaimer.
Last updated: 2026-06-13