US take-home pay calculator 2026
Estimate your 2026 take-home pay in the United States after federal income tax, Social Security and Medicare, with an optional state income tax rate and 401(k) contribution.
Federal income tax rates in United States
| Taxable income, single filers (USD) | Rate |
|---|---|
| Up to 12,400 | 10% |
| 12,400 – 50,400 | 12% |
| 50,400 – 105,700 | 22% |
| 105,700 – 201,775 | 24% |
| 201,775 – 256,225 | 32% |
| 256,225 – 640,600 | 35% |
| Above 640,600 | 37% |
In force from 2026 tax year. Each rate applies only to the part of income inside its band.
Deductions and reliefs
| Item | How it works |
|---|---|
| Social Security | 6.2% of wages up to $184,500 in 2026. |
| Medicare | 1.45% of all wages, plus 0.9% on wages above $200,000 ($250,000 for married couples filing jointly). |
| Standard deduction | $16,100 for single filers and $32,200 for married couples filing jointly. |
Good to know
- State income tax is an estimate: enter your state's rate as a flat percentage. Several states, including Texas and Florida, have no state income tax.
- 401(k) contributions lower your federal income tax but not Social Security or Medicare. The IRS sets an annual limit on how much you can put in.
- Credits such as the Child Tax Credit and itemised deductions are not included.
Common questions
What are the 2026 federal tax brackets?
For single filers: 10% up to $12,400, 12% up to $50,400, 22% up to $105,700, 24% up to $201,775, 32% up to $256,225, 35% up to $640,600 and 37% above that. The bands for married couples filing jointly are twice as wide up to the 32% band.
What is the 2026 standard deduction?
$16,100 for single filers and $32,200 for married couples filing jointly.
What is the Social Security wage base for 2026?
Social Security tax of 6.2% applies to wages up to $184,500 in 2026. Medicare tax has no limit.
Sources
- IRS: 2026 inflation adjustments (as reported by FOX)
- Journal of Accountancy: Social Security wage base for 2026
- Internal Revenue Service
This calculator gives an estimate for a resident employee with one job. Your payslip can differ because of allowances, benefits, other reliefs or how your employer runs payroll. It is not tax advice.