Salary After Tax Calculator (2026)
Enter your gross salary and filing status to estimate your federal take-home pay for 2026 — after income tax, Social Security, and Medicare. See the result per year and per month. Everything runs in your browser; nothing is stored.
Estimate updates as you type. Federal income tax, Social Security, and Medicare only.
How the take-home estimate works
The calculator starts from your gross salary and subtracts the 2026 standard deduction — $16,100 for single filers and $32,200 for married filing jointly — to get taxable income. It then applies the seven 2026 federal brackets (10%, 12%, 22%, 24%, 32%, 35%, and 37%) to that taxable income to find federal income tax. On top of that it adds Social Security at 6.2% of wages up to the annual wage base and Medicare at 1.45% of all wages. Subtracting these from gross salary gives your estimated take-home pay, which it also divides by 12 for a monthly figure.
What this estimate leaves out
To keep it simple and fast, the tool ignores state and local income taxes, which can be significant in some states and zero in others. It also excludes pre-tax deductions like 401(k) contributions and health insurance premiums (which would lower your taxable income), tax credits such as the Child Tax Credit (which would raise your take-home), the 0.9% additional Medicare tax on high earners, and any extra withholding you set on your W-4. Treat the result as a starting point, not your exact paycheck.
Common questions
Are these the official 2026 numbers?
Yes. The standard deductions and the seven marginal brackets are the IRS 2026 inflation-adjusted figures, and Social Security (6.2%) and Medicare (1.45%) use the standard FICA rates. The Social Security wage base is applied as a cap on that portion.
Why does my effective rate look low?
The effective tax rate here is total federal tax divided by gross salary. Because the standard deduction shelters part of your income and lower brackets tax the first dollars at lower rates, the effective rate is usually well below your top bracket rate.
Is my salary saved?
No. The calculation runs entirely in your browser. Nothing you type is stored, transmitted, or shared.
Method: taxable income = gross salary − 2026 standard deduction ($16,100 single / $32,200 married filing jointly); federal income tax from the 2026 marginal brackets; plus FICA (Social Security 6.2% to the wage base, Medicare 1.45%). Figures based on IRS 2026 inflation adjustments and Tax Foundation 2026 bracket data. State and local taxes and other deductions are not included — verify with your pay stub or a tax professional.