Federal Income Tax
7 brackets from 10% to 37%. Standard deduction: $15,000 (single) / $30,000 (married). Progressive rates based on taxable income.
FREE CALCULATOR
US Paycheck Calculator 2026
Enter your annual gross salary to see your take-home pay after federal income tax, Social Security, Medicare, and state taxes. Updated for 2026 tax brackets.
US Paycheck Calculator
* Estimates only. Actual taxes depend on deductions, credits, and local taxes. Consult a CPA.
How US Paycheck Taxes Work
FICA (Social Security + Medicare)
Social Security: 6.2% on first $168,600. Medicare: 1.45% on all wages + 0.9% above $200K. Total FICA is 7.65% up to the wage base.
State & Local Taxes
Vary by state: 0% (TX, FL, WA, NV) to 13.3% (CA). Some cities add local tax (e.g., NYC ~3.9%). This calculator estimates state withholding.
| 2026 Federal Tax Brackets (Single) | Income Range | Rate |
|---|---|---|
| Bracket 1 | $0 - $11,925 | 10% |
| Bracket 2 | $11,926 - $48,475 | 12% |
| Bracket 3 | $48,476 - $103,350 | 22% |
| Bracket 4 | $103,351 - $197,300 | 24% |
| Bracket 5 | $197,301 - $250,525 | 32% |
| Bracket 6 | $250,526 - $626,350 | 35% |
| Bracket 7 | Above $626,350 | 37% |
Frequently Asked Questions
What is the 2026 standard deduction?
$15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household. This reduces your taxable income before tax is calculated.
How does 401(k) contribution affect my take-home pay?
Traditional 401(k) contributions are pre-tax, reducing your taxable income. For example, 6% contribution on $85,000 = $5,100 tax-deferred, lowering your taxable income to $79,900.
Is Social Security tax capped?
Yes, the 2026 Social Security wage base is $168,600. Wages above this are not subject to the 6.2% Social Security tax, but Medicare tax (1.45%) applies to all wages.
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