Take-home pay estimate · 2026 tax year
Your profit after business expenses (Schedule C net).
Net take-home pay
$0
Estimates for the 2026 tax year (income earned in 2026, filed in 2027). Federal income tax, the standard deduction, and FICA (Social Security up to the $184,500 wage base plus Medicare with the 0.9% high-earner surtax) are accurate. Self-employed figures use SE tax with the deductible-half adjustment. For state tax: the 9 no-tax states, the 16 flat-rate states, and California and New York (full brackets) are calculated with their actual 2026 rates; the remaining graduated-bracket states use a single representative rate and are labeled as estimates. All state figures exclude local and city taxes, state-specific credits and deductions, dependents, retirement contributions, and other income. Not tax advice — verify with the IRS, your state, or a tax professional.
This free US tax calculator and paycheck calculator estimates your take-home pay for the 2026 tax year. Enter your salary, filing status and state to see your net pay after federal income tax, state income tax and FICA (Social Security and Medicare). It works as a federal tax calculator, a state tax calculator and a self-employed (1099) tax calculator in one, for all four filing statuses and all 50 states.
How much is $75,000 or $100,000 after taxes?
To check your salary after tax — for example $75,000 after taxes or $100,000 after taxes — enter the figure, pick your state and filing status, and the paycheck calculator shows your take-home pay per month and per year with federal tax, state tax and FICA broken down.
What is FICA on my paycheck?
FICA is the payroll tax for Social Security (6.2% up to the wage base) and Medicare (1.45% on all wages, plus 0.9% extra above $200,000). As a net pay calculator this tool includes FICA automatically so your take-home pay is realistic.
Does this work as a state tax calculator?
Yes. Choose any of the 50 states. Nine states have no income tax, some use a flat rate, and others use brackets — the state tax calculator applies a 2026 rate for the state you pick. State figures are simplified estimates.
Can I use it as a self-employed tax calculator?
Yes. Choose "Self-employed" to estimate self-employment tax on your net business income, including the deductible-half adjustment — a quick 1099 tax calculator for freelancers and contractors.
Which states have no income tax?
Nine states have no state income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Pick one of these as your state and the take-home pay calculator applies only federal tax and FICA — useful for a Texas paycheck calculator or Florida paycheck calculator check.
How is take-home pay different in California or New York?
High-tax states like California and New York reduce your take-home pay more than no-tax states. Select your state to estimate the difference — handy for searches like "$100,000 after taxes California." State figures here are simplified estimates.
What's the difference between gross pay and net pay?
Gross pay is your salary before deductions; net pay is what lands in your bank account after federal tax, state tax and FICA. As a net pay calculator and paycheck calculator, this tool shows both so you can see your real after-tax paycheck.
Can I see my monthly take-home pay instead of annual?
Yes. Switch the view to "Monthly" to see your salary after tax per month — useful for budgeting and for checking figures like $50,000 after tax or $75,000 take-home pay.