Salary Calculator
Take-Home Pay
See your exact paycheck after federal, state, and FICA taxes. Covers every US state with 2026 IRS brackets — instant, free, no sign-up required.
Calculate Take-Home Pay
2026 limit: $24,500 · reduces your federal & state taxable income
Popular Salary Calculations
Pre-calculated pages with full state breakdowns.
Calculate by State
Compare take-home pay and tax rates across all 50 US states.
Salary by Job Title
Median pay and take-home for 36 occupations across all 50 states.
How the Salary Calculator Works
SalaryCalc.us uses the official 2026 IRS tax brackets, standard deductions, and FICA rates to calculate your true take-home pay. Enter your gross salary, select your state and filing status, and the calculator instantly shows your net income after all deductions.
Federal income tax is calculated progressively — only the income above each bracket threshold is taxed at the higher rate. On top of that, Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%, plus 0.9% above $200,000) are deducted from every paycheck.
State income taxes vary widely: nine states — including Texas, Florida, and Washington — charge no state income tax, while California and New York have rates reaching 12–13% for high earners. Our calculator includes 2026 brackets for all 50 states and Washington D.C.
Understanding Your Paycheck
Your paycheck stub typically shows gross pay, followed by federal withholding, state withholding, and FICA deductions. The difference is your net pay — the amount deposited into your bank account. Our breakdown table shows every period: annual, monthly, bi-weekly, weekly, daily, and hourly.
Pre-tax contributions like 401(k) and HSA reduce your taxable income before federal and state taxes are applied, effectively giving you a tax discount on retirement and health savings. Use the “Savings & Investments” toggle in the calculator to factor these in.
Frequently Asked Questions
How accurate is this salary calculator?
We use the official 2026 IRS federal tax brackets, FICA rates, and state-specific tax tables for all 50 states. Results are accurate for W-2 employees. Self-employment taxes, alternative minimum tax (AMT), and some state-specific credits are not included.
What is the difference between gross and net pay?
Gross pay is your salary before any deductions. Net pay (take-home pay) is what remains after federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%) are withheld. Pre-tax contributions like a 401(k) further reduce your taxable income before these deductions are applied.
Which states have no income tax?
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Residents in these states only pay federal and FICA taxes, resulting in higher take-home pay compared to high-tax states like California and New York.
How does filing status affect my take-home pay?
Filing status changes the tax brackets and standard deduction applied to your income. Married Filing Jointly typically yields the highest take-home pay because the income brackets are wider. Single filers face narrower brackets. Head of Household gets a higher standard deduction than Single, reducing taxable income.
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 before federal and most state taxes are calculated. Contributing $10,000 to a 401(k) on a $75,000 salary means you only pay income taxes on $65,000. The 2026 contribution limit for 401(k)/403(b)/457(b) plans is $24,500.
How do I convert my hourly wage to an annual salary?
Multiply your hourly rate by the number of hours worked per week, then by 52 weeks. For a standard 40-hour workweek: Annual = Hourly × 40 × 52 = Hourly × 2,080. For example, $25/hr × 2,080 = $52,000/year. Use our Hourly ↔ Salary converter for instant calculations with tax estimates.