What deductions reduce my take-home pay?

Federal income tax, state income tax, Social Security (6.2% up to $176,100), Medicare (1.45%), and any pre-tax deductions like 401(k) contributions, health insurance premiums, and HSA contributions all reduce your take-home pay.

What are the 2026 federal tax brackets for single filers?

10%: $0–$11,925 | 12%: $11,925–$48,475 | 22%: $48,475–$103,350 | 24%: $103,350–$197,300 | 32%: $197,300–$250,525 | 35%: $250,525–$626,350 | 37%: over $626,350. These apply to taxable income after the standard deduction ($15,000 single, $30,000 married).

What is the Social Security wage cap for 2026?

For 2026, Social Security tax (6.2%) only applies to wages up to $176,100. Income above this threshold is not subject to Social Security tax, though Medicare tax (1.45%) applies to all wages with an additional 0.9% above $200,000 ($250,000 married).

How does a 401(k) contribution reduce my taxes?

Traditional 401(k) contributions are pre-tax, meaning they reduce your taxable income dollar-for-dollar. The 2026 contribution limit is $23,500. If you are in the 22% bracket and contribute $10,000, you save $2,200 in federal income tax immediately.

Take-Home Pay Calculator

Calculate your take-home pay after federal and state taxes, Social Security, Medicare, 401(k), and other deductions. Uses 2026 tax brackets. Includes hourly rate and state comparison.

Annual Salary ?

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Extended More scenarios, charts & detailed breakdown ▾

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Professional Full parameters & maximum detail ▾

Annual Gross Salary

Filing Status

State Tax Rate (%)

401(k) Pre-Tax Contribution (%) ?

Health Insurance Premium (Monthly) ?

HSA Contribution (Annual) ?

Other Pre-Tax Deductions (Annual)

Net Pay

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Tax Breakdown

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FICA Taxes (SS + Medicare) —

Deductions

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How to Use This Calculator

Enter your annual salary, filing status, and state tax level for a quick monthly and biweekly take-home estimate.
Use the Hourly Rate tab to calculate from an hourly wage and weekly hours.
Use the Compare States tab to see the take-home difference between two states.
Use the Professional tab for a full breakdown including 401(k), health insurance, HSA, Medicare, and all deductions using 2026 tax brackets.

Formula

Take-Home = Gross Salary − Federal Tax − State Tax − SS (6.2% up to $176,100) − Medicare (1.45%) − Pre-Tax Deductions
Federal Tax uses 2026 brackets with standard deduction

Example

Example: $75,000 salary, single, medium state tax (5%). Federal tax ≈ $9,530, state tax ≈ $3,750, SS ≈ $4,650, Medicare ≈ $1,088. Take-home ≈ $55,982/year ($4,665/month).

Frequently Asked Questions

Federal income tax, state income tax, Social Security (6.2% up to $176,100), Medicare (1.45%), and any pre-tax deductions like 401(k) contributions, health insurance premiums, and HSA contributions all reduce your take-home pay.
10%: $0–$11,925 | 12%: $11,925–$48,475 | 22%: $48,475–$103,350 | 24%: $103,350–$197,300 | 32%: $197,300–$250,525 | 35%: $250,525–$626,350 | 37%: over $626,350. These apply to taxable income after the standard deduction ($15,000 single, $30,000 married).
For 2026, Social Security tax (6.2%) only applies to wages up to $176,100. Income above this threshold is not subject to Social Security tax, though Medicare tax (1.45%) applies to all wages with an additional 0.9% above $200,000 ($250,000 married).
Traditional 401(k) contributions are pre-tax, meaning they reduce your taxable income dollar-for-dollar. The 2026 contribution limit is $23,500. If you are in the 22% bracket and contribute $10,000, you save $2,200 in federal income tax immediately.

Related Calculators

Sources & References (5) ▾

IRS — Tax Withholding Estimator — Internal Revenue Service
IRS Publication 15 (Circular E) — Employer Tax Guide — Internal Revenue Service
SSA — Social Security and Medicare Payroll Tax Rates — Social Security Administration
Department of Labor — Wages and Pay Requirements — U.S. Department of Labor
IRS Publication 505 — Tax Withholding and Estimated Tax — Internal Revenue Service