Enter annual salary or hourly rate to estimate take-home pay after federal & state taxes.
Gross pay is what you negotiate; take-home pay is what lands in your account. The gap is usually 20% to 35%, depending on your state and filing status.
The order of operations matters. Federal income tax applies to your income after the standard deduction, so a Single filer earning $60,000 is taxed on $43,900 in 2026 — not on $60,000. FICA, by contrast, applies to the full wage with no deduction.
| Standard deduction (Single) | $16,100 |
| Standard deduction (MFJ) | $32,200 |
| Standard deduction (HoH) | $24,150 |
| Tax brackets | 10 / 12 / 22 / 24 / 32 / 35 / 37%Single: 10% to $12,400, 37% above $640,600 |
| Social Security | 6.2% up to $184,500 |
| Medicare | 1.45% + 0.9% above $200,000 |
| 401(k) elective deferral | $24,500+$8,000 catch-up at 50, $11,250 at 60–63 |
Source: IRS Rev. Proc. 2025-32, IRS Notice 2025-67, Social Security Administration.
Being “in the 22% bracket” does not mean 22% of your income goes to federal tax. Brackets are marginal: only the dollars inside each band are taxed at that band's rate. A Single filer on $80,000 in 2026 sits in the 22% bracket but pays an effective federal rate closer to 11% once the standard deduction and lower bands are applied.
California tops out at 13.3% and New York City residents pay city tax on top of state tax, while Texas, Florida and Washington take nothing from wages. On a $100,000 salary the difference between California and Texas is roughly $6,000 a year in take-home pay. Use the state selector to compare before accepting a relocation offer.
Money you route into a traditional 401(k), HSA or FSA comes out before federal income tax. Contributing $10,000 to a 401(k) in the 22% bracket cuts your federal bill by about $2,200, so the real cost of saving that $10,000 is closer to $7,800. Note that 401(k) contributions still pay Social Security and Medicare tax.
Updated August 2026 · Sources: IRS, SSA, Tax Foundation, US Department of Labor