Take-Home Pay Calculator (2026)
Enter your pay, filing status, state, and retirement contributions. Get your estimated 2026 take-home per paycheck, per month, and per year, with every tax line itemized.
| Gross annual | — |
| Federal income tax | — |
| FICA (SS + Medicare) | — |
| State income tax | — |
| Total taxes | — |
| Effective tax rate | — |
| Take-home per year | — |
| Take-home per month | — |
| Take-home per paycheck | — |
Excludes: payroll taxes the employer pays, Social Security tax deferral scenarios, EITC, local/city taxes, itemized deductions, and most state credits. Excludes pension/HSA; the numbers describe standard wages.
How the math works
Federal income tax is computed exactly for 2026: gross minus pre-tax retirement and FSA, minus the standard deduction ($16,100 single, $32,200 married, $24,150 head of household, plus $2,050 senior add-on and the OBBBA senior bonus up to $6,000, phased out 6% per dollar over $75,000/$150,000), then the seven 2026 brackets (10/12/22/24/32/35/37) applied progressively, minus the child tax credit of $2,200 per qualifying child.
FICA is exact: 6.2% up to the 2026 wage base of $184,500, 1.45% on everything, plus 0.9% on wages over $200,000 (single) or $250,000 (married).
State income tax uses effective-rate anchors computed from each state's 2026 bracket table (Tax Foundation, State Individual Income Tax Rates and Brackets, Feb 2026) with the state standard deduction, for a single filer with no other adjustments, interpolated at your income. Flat-rate states are exact. Married filers in most states roughly double the bracket widths; anchors for couples are approximations and are flagged as such.
Take-home = gross − federal income tax − FICA − state tax. Retirement contributions are deducted from cash pay (they are your money, in a different account).
Frequently asked questions
How much is $25 an hour after taxes?
At $25 an hour full-time, gross annual pay is $65,000. Federal income tax plus FICA takes roughly $13,100 for a single filer, so federal take-home is about $51,900 before state income tax, which varies by state.
What is the 2026 standard deduction?
For 2026 the federal standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. Seniors 65 and older add $2,050, plus a senior bonus of up to $6,000 that phases out at higher incomes.
Is this calculator accurate for my state?
The federal side is exact for 2026 brackets. State numbers use 2026 effective-rate anchors for a single filer with the state standard deduction, computed from each state's published bracket tables. Local city taxes, credits, and itemized deductions are not included, so treat state figures as close estimates.