Take-Home Pay Calculator — 2026 Estimate
See how gross annual compensation may translate into modeled annual take-home pay using current 2026 federal brackets and payroll tax assumptions.
2026 federal estimate using the standard deduction and federal income-tax brackets, 6.2% Social Security up to $184,500 of wages, Medicare, and the state/local effective rate you enter. This simplified model treats the entered deduction as reducing income-tax wages but not FICA wages, which matches a common 401(k)-style case but not every benefit. It is not an IRS W-4 withholding calculation and does not model credits, itemized deductions, bonuses, employer benefits or every payroll rule. Source checks: IRS 2026 inflation adjustments and SSA 2026 wage base.
How this tool works
The same annualized model as the paycheck calculator estimates federal income tax, Social Security, Medicare and optional state/local tax, then subtracts those items and pretax deductions from gross pay.
Example
Use a proposed salary and retirement contribution to compare gross compensation with an estimated annual net amount.
Common questions
Does this include tax credits?
No. Credits, itemized deductions, special deductions and many household-specific tax provisions are outside this planning model.
Can I model state taxes?
Enter an effective state/local percentage. The tool does not maintain 50 separate state withholding systems.