US Paycheck Calculator 2026
Estimate your net paycheck for the 2026 tax year — Federal tax, FICA (Social Security & Medicare) and state tax, all in one place.
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Advanced optionsTax year, deductions and other settings (sensible defaults already applied)
Your paycheck
Take-home: $5,133/month
Total tax $13,408/year · effective rate 17.9%
Show calculationEvery step, the rule behind it and the official source
1. Federal taxable income
- Gross salary$75,000
- Standard deduction$16,100
2026 standard deduction, single · IRS: 2026 tax inflation adjustments
- Federal taxable income$58,900
2. Federal income tax
- Tax on brackets$7,670
$0–$12,400 @ 10% $12,400 × 10% = $1,240 $12,400–$50,400 @ 12% $38,000 × 12% = $4,560 $50,400–$105,700 @ 22% $8,500 × 22% = $1,870 2026 federal brackets, single · IRS: 2026 tax inflation adjustments
- Federal income tax$7,670
3. Social Security and Medicare (FICA)
- Social Security$4,650
6.2% of $75,000 (wages up to $184,500) · SSA: wage base
- Medicare$1,088
1.4500000000000002% of all wages ($75,000)
- FICA$5,738
4. Take-home pay
- Gross salary$75,000
- Federal income tax$7,670
- FICA$5,738
- Take-home pay (year)$61,593
- Per month$5,133
Each line is rounded for display, so adding the rounded lines can differ from the total by 1.
What if…Move a slider to see how your tax changes
Full breakdownTables, chart and tax-saving tips
Taxes Withheld (Annual)
Total Tax
$13,408
Pre-Tax Deductions
Net Take-Home (Annual)
$61,593
| Pay Frequency | Net Pay |
|---|---|
| Annual | $61,593 |
| Monthly | $5,133 |
| Semi-Monthly (24/yr) | $2,566 |
| Bi-Weekly (26/yr) | $2,369 |
| Weekly | $1,184 |
How Your US Paycheck Is Calculated
Your paycheck is reduced by three main categories of withholding. First, Federal Income Tax is calculated on a progressive basis across seven brackets (10% to 37% for 2026) after subtracting the standard deduction for your filing status ($16,100 single, $32,200 married filing jointly, $24,150 head of household). Second, FICA taxes fund Social Security (6.2% up to the 2026 wage base of $184,500) and Medicare (1.45% on all wages, plus an extra 0.9% on income above $200,000 for single filers or $250,000 for joint filers). Third, most states levy their own income tax on top of federal — ranging from 0% in states like Texas, Florida and Washington to over 13% at the top bracket in California.
Pre-tax deductions like traditional 401(k) contributions and employer-sponsored health insurance premiums reduce your taxable wages before federal and state tax are calculated, which is why maxing out a 401(k) can lower your tax bill even though it also reduces your take-home pay today. Health insurance premiums paid through a Section 125 cafeteria plan typically reduce FICA wages too, which this calculator accounts for.
States covered: full 2026 state income tax for California, Georgia, Illinois, New Jersey, New York (with optional New York City tax), North Carolina, Ohio and Pennsylvania, plus employee SDI, paid family leave and unemployment contributions where the state charges them. Texas and Florida have no state income tax. For any other state, enter an approximate flat rate. Not included: other local or county taxes, pre-tax FSA/HSA contributions and extra W-4 withholding. See the California, New York and Texas paycheck guides for worked examples.
Saving for retirement? The 401(k) paycheck calculator shows how little each contribution really costs. Expecting a bonus? See what you'll keep with the bonus tax calculator.
Figures are illustrative estimates based on 2026 federal tax brackets and are not tax advice.
FAQ
Frequently asked questions
How much federal income tax is taken out of my paycheck in 2026?
It depends on your filing status, your W-4 and your pay. For 2026 the federal brackets run from 10% to 37%, applied after the standard deduction of $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
What is FICA tax?
FICA is Social Security (6.2% of wages up to the 2026 wage base of $184,500) plus Medicare (1.45% of all wages). An extra 0.9% Additional Medicare Tax applies to wages above $200,000.
Which states have no state income tax?
Nine states don't tax wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming.
How do pre-tax deductions lower my taxes?
Traditional 401(k) contributions reduce the income subject to federal and most state income tax, but not FICA. Section 125 health insurance premiums reduce both income tax and FICA.
Why is my real paycheck different from this estimate?
Your W-4 choices, local city or county taxes, other benefit deductions and the exact withholding tables your employer uses all shift the number. Use this as a close estimate and your pay stub as the final word.
How much is $75,000 a year after tax?
For a single filer in a state with no income tax, $75,000 leaves about $61,593 a year in 2026, or $5,133 a month: $7,670 federal income tax and $5,738 Social Security and Medicare. State income tax, 401(k) and health premiums lower it further.
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