Take-Home Pay Calculator

The gap between what you earn and what you keep is bigger than most people think. See your real take-home using the official 2026 federal brackets.

Uses the 2026 federal brackets and standard deduction (IRS Rev. Proc. 2025-32) and 2026 FICA (Social Security 6.2% up to $184,500, Medicare 1.45%, plus the 0.9% additional Medicare surtax). State tax is the flat rate you enter. This is an estimate: it excludes credits, local taxes, and most pre-tax benefits other than 401(k). Not tax advice.