Take-home pay calculator

See your paycheck after federal tax, Social Security, Medicare, state tax and 401(k) contributions.

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How take-home pay is calculated

We start with your gross salary, subtract your 401(k) contribution and other pre-tax deductions, then estimate federal income tax from the 2026 brackets. Social Security tax is 6.2% of wages up to $184,500, and Medicare tax is 1.45% of all wages, plus 0.9% on wages above $200,000 for single filers ($250,000 for married filing jointly). State tax is a flat percentage you enter.

How to increase your take-home pay

Check your W-4 withholding so you are not overpaying all year, use pre-tax accounts like an HSA, and compare the tax cost of a raise with the extra take-home it provides.

What this calculator does not include

This is a federal-only estimate for the 2026 tax year using the standard deduction unless you enter itemized deductions. It does not include state or local taxes, the alternative minimum tax, or many credits and deductions you may qualify for. Treat it as a planning estimate and use IRS.gov or a tax professional for your actual return.

Frequently asked questions

Why does my real paycheck differ?

Employers use withholding tables, and your W-4, health premiums, local taxes and benefits all change the result.

Does a 401(k) reduce Social Security tax?

No. Traditional 401(k) contributions lower income tax but are still subject to Social Security and Medicare tax.

More tax calculators

Take-home pay by state: all 50 states and DC
Federal income tax calculator: 2026 brackets, deductions and effective tax rate
Self-employment tax calculator: Freelancer tax and quarterly estimated payments
Capital gains tax calculator: Short-term and long-term gains tax, plus NIIT

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