Tax year 2026 · verified IRS + state data

Know exactly what lands in your bank account.

Enter a salary and state. Get the full breakdown in seconds: federal income tax, Social Security, Medicare, state income tax, and your real take-home pay — annually, monthly, biweekly, and weekly.

Official IRS + state tables
Deterministic math · no AI guesses
No sign-up, no tracking in the calc

Enter a salary and pick a state. We'll send you to the full breakdown — federal, FICA, state, and the net. Your input stays in your browser.

Gross annual salary State Filing status

Any salary — we'll show the closest pre-calculated result or compute it live.

Only verified states are listed. More coming soon — see below.

Single is the most common starting point.

Pre-tax deductions (optional)

401(k) elective deferral

Pre-tax contributions reduce federal and most state income tax. Limit: $24,500 (2026). Age-50+ catch-up not yet modeled. [IRC §402(g)]

HSA contribution

Pre-tax via §125 cafeteria plan. Reduces federal and FICA tax. Limits: $4,400 self-only / $8,750 family (2026). [IRC §223]

Healthcare FSA

Pre-tax via §125 cafeteria plan. Reduces federal and FICA tax. Limit: $3,400 (2026). [IRC §125(i)]

Dependent care FSA

Pre-tax via §129. Reduces federal and FICA tax. Limit: $7,500, or $3,750 if married filing separately (new for 2026). [IRC §129(a)(2)(A)]

No sign-up · instant result

All US states and DC

23 jurisdictions are live with verified 2026 tax data. The remaining 28 are being confirmed against official state revenue tables before going live.

Live Coming soon

Coming soon

Alabama AL
Arizona AZ
Arkansas AR
Connecticut CT
Delaware DE
District of Columbia DC
Hawaii HI
Idaho ID
Kansas KS
Kentucky KY
Louisiana LA
Maine ME
Maryland MD
Massachusetts MA
Minnesota MN
Missouri MO
Montana MT
Nebraska NE
New Jersey NJ
New Mexico NM
North Dakota ND
Oregon OR
Rhode Island RI
South Carolina SC
Utah UT
Vermont VT
West Virginia WV
Wisconsin WI

New · City-level

City-level calculators

Some US cities layer their own income tax on top of the state rate. Pick a city to see the full stack — federal + FICA + state + local — on one page.

Cities marked pending are using structurally-correct rates that are still awaiting cross-verification against official 2025 municipal tax tables. Those pages are excluded from search indexing until verified.

Methodology

How the math works.

Same inputs, same output — every time. No AI, no rounding shortcuts, no opinions about what you should do with your money.

We apply the published IRS brackets to your income after the standard deduction, add FICA (6.2% Social Security up to the wage base, plus 1.45% Medicare on all wages, plus 0.9% Additional Medicare above the filing-status threshold), then layer on state income tax using each state's official bracket table.

Pre-tax deductions (401(k), HSA, healthcare FSA, dependent care FSA) are modeled on the live calculator and the widget above. State conformity is verified for Pennsylvania, Michigan, and California; other states apply deductions at the federal level only.

Sources

IRS Rev. Proc. 2025-32 · SSA Contribution and Benefit Base (2026) · each state's Department of Revenue.

Popular take-home estimates

Jump straight to a pre-calculated page for common salary + state combinations.

Built for accuracy

Why we built a calculator we'd actually trust ourselves.

Most paycheck sites are thin wrappers around a single national formula that skips state nuance, pretends FICA is a flat percent, and hides their source data. This site starts from the official tables, flags anything pending verification, and never invents a number to fill a page.

Official tables

IRS Rev. Proc., SSA wage base, each state DOR — cited on every page.
Deterministic math

Same inputs, same output — all logic is unit-tested.
Honest flags

Unverified tables show a banner and are excluded from search.
No dark patterns

No sign-up, no email gate, no tracking inside the calculation.

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