Understanding your take-home pay is essential for both employers and employees. Our US Take-Home Pay Calculator helps you determine your net income after federal income tax and FICA deductions, allowing for better financial planning and payroll forecasting.
Whether you're evaluating a job offer, budgeting your monthly expenses, or managing payroll for your workforce, knowing your net pay is crucial. This calculator provides a quick and accurate estimate of your 2026 after-tax income in the US context.
How the calculation works
The US Take-Home Pay Calculator estimates net income by subtracting federal income tax and FICA (Social Security and Medicare) from the gross salary. Federal income tax is calculated using the 2026 IRS tax brackets for a standard filing status (typically single or married filing jointly). FICA taxes are fixed at 6.2% for Social Security and 1.45% for Medicare, totaling 7.65% of taxable wages up to the Social Security wage base limit.
The calculator does not include state or local taxes, which vary by location and should be calculated separately for a full picture of take-home pay. The result is your estimated net pay after federal taxes and FICA, helping you understand the true value of your salary in 2026.
How to use this calculator
- Enter your gross annual salary or hourly rate and estimated hours.
- Select your filing status (e.g., single, married filing jointly).
- Choose the number of dependents, if applicable.
- Click 'Calculate' to view your estimated take-home pay after federal taxes and FICA.
- Review the breakdown of deductions and adjust inputs as needed.