Free Salary Calculator — Take-Home Pay After Tax
Enter your annual salary to see your exact net pay after federal income tax, Social Security, and Medicare. Add your state for a combined estimate.
How take-home pay is calculated
Your net pay is your gross salary minus three deductions: federal income tax, Social Security (6.2%), and Medicare (1.45%). Federal tax uses a progressive bracket system — only the income within each bracket is taxed at that rate, not your entire salary.
Before tax is applied, the standard deduction ($15,000 for single filers in 2026) is subtracted from your gross income. This reduces your taxable income and lowers your effective tax rate.
Example take-home pay (single filer, federal only)
Based on 2026 federal brackets and standard deduction. No state tax included.
$50,000 salary
Federal tax: $3,962 · FICA: $3,825
$42,213/yr
Effective rate: 15.6%
$75,000 salary
Federal tax: $8,114 · FICA: $5,738
$61,148/yr
Effective rate: 18.5%
$100,000 salary
Federal tax: $13,614 · FICA: $7,650
$78,736/yr
Effective rate: 21.3%
Frequently asked questions
How do I calculate my take-home pay?
Subtract federal income tax and FICA (Social Security 6.2% + Medicare 1.45%) from your gross salary. This calculator uses 2026 federal tax brackets with a $15,000 standard deduction for single filers.
What is FICA?
FICA stands for Federal Insurance Contributions Act. It includes Social Security tax (6.2% on income up to $176,100) and Medicare tax (1.45% on all income), totaling 7.65% for most employees.
Does this calculator include state taxes?
Yes — select your state from the optional dropdown to include state income tax. State tax is applied to the same taxable income as federal tax (an approximation, as states have their own deductions). Eight states have no income tax: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, and Wyoming.
What are the 2026 federal tax brackets for single filers?
10% on income up to $11,925; 12% up to $48,475; 22% up to $103,350; 24% up to $197,300; 32% up to $250,525; 35% up to $626,350; 37% on income over $626,350.
Disclaimer: This calculator provides estimates for informational purposes only. Results are not tax or financial advice. Federal figures are based on 2026 tax brackets. State tax uses the same taxable income as federal (an approximation — states have their own deductions). Does not include local taxes. Consult a CPA for personalized advice.