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United States · 2026

US Paycheck Calculator

Enter your gross salary and filing status to estimate your federal take-home pay after income tax and FICA.

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Federal income tax and FICA only — state tax is not included.

Take-home pay
$0
$0 a year · $0 a week

How US take-home pay is calculated

Your federal take-home pay is your gross salary minus federal income tax and FICA (Social Security and Medicare). This calculator uses the 2026 federal brackets, standard deduction and wage bases.

Federal income tax

Tax is charged on your taxable income — gross pay minus the standard deduction ($16,100 Single, $32,200 Married Filing Jointly for 2026). The seven progressive brackets run from 10% to 37%, so only the income inside each bracket is taxed at that rate.

FICA: Social Security & Medicare

FICA is charged on your gross wages, not your taxable income. Social Security is 6.2% on the first $184,500 of wages; Medicare is 1.45% with no cap. Together they make up 7.65% for most workers.

State income tax, pre-tax 401(k)/HSA contributions and the 0.9% Additional Medicare surtax on high earners are not modeled.

Frequently asked questions

What does this US paycheck calculator include?

It covers federal income tax (using the 2026 brackets and standard deduction) plus FICA — Social Security at 6.2% up to the $184,500 wage base and Medicare at 1.45%. It does not include state income tax, 401(k)/HSA contributions, or the 0.9% Additional Medicare surtax.

Why isn’t state tax included?

State rules vary widely. The federal-plus-FICA result is exactly right for the nine states with no wage income tax — Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Wyoming, Washington and New Hampshire — and a close starting point everywhere else.

What is the standard deduction for 2026?

For 2026 the standard deduction is $16,100 for Single filers and $32,200 for Married Filing Jointly. It is subtracted from your gross pay before federal income tax is calculated.

How is Social Security tax capped?

Social Security tax of 6.2% applies only to the first $184,500 of wages in 2026, a maximum of $11,439. Medicare’s 1.45% has no wage cap.