Take-Home-Paycheck Calculator
🇺🇸 US-specific: 2026 federal income tax brackets, standard deduction, and FICA (Social Security/Medicare) rates.
Enter a non-negative income and pre-tax deductions.
This covers federal income tax and FICA only — it doesn't include state or local income tax, which varies by where you live and can meaningfully change your actual take-home pay.
Free take-home pay calculator combining real 2026 federal income tax brackets with FICA (Social Security and Medicare) — breaks out exactly where each dollar of withholding goes, by any pay frequency.
How it works
- Enter your gross annual salary, filing status, and any pre-tax deductions
- Choose your pay frequency (weekly, biweekly, semi-monthly, or monthly)
- See your take-home pay per paycheck, with federal tax and FICA broken out separately
Frequently asked questions
What's included in the withholding here?
Federal income tax (using the 2026 brackets) and FICA — Social Security at 6.2% up to the 2026 wage base of $184,500, and Medicare at 1.45% (plus an additional 0.9% above $200,000 single / $250,000 married). It does not include state or local income tax, which varies by location.
How do pre-tax deductions affect this?
Contributions like 401(k), traditional health insurance premiums, and HSA reduce the income used for federal tax calculations. This is a simplified model — some pre-tax deductions still count toward FICA wages even when they reduce income tax, so treat this as an estimate.
Related tools
From the blog
What Changed in the 2026 Federal Tax Brackets — and What Didn't
The seven federal tax rates stay the same for 2026, but the income ranges and standard deduction both moved under the One Big Beautiful Bill Act. Here's exactly what changed, sourced to the IRS and Tax Foundation.
2026-09-03
Your $80,000 salary isn't $6,667 a month — federal tax and FICA together take it down to $5,425.83
A take-home pay calculator that separates federal income tax from Social Security and Medicare, using the real 2026 rates for both.
2026-09-01Update history
- 2026-09-03 The filing status toggle now shows an icon for each option.
- 2026-09-01 Added: a cover image (a paycheck stub with three distinct colored deduction bars leading to a smaller final amount) — used as the card thumbnail, social share image, and blog title image.
- 2026-09-01 Launched: take-home pay calculator combining 2026 federal income tax brackets with FICA (Social Security + Medicare), broken out by pay frequency. Entirely client-side, reuses the federal tax and FICA engines.