Paycheck Tax Calculator 2026
Enter your salary and state to estimate your federal tax, FICA, state tax and take-home pay — per year, per month, and per paycheck.
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📝 Filing your taxes?
These are estimates — tax software walks you through the real filing with every deduction. (Affiliate: add tax software links here — TurboTax, H&R Block.)
How take-home pay is calculated
Take-home pay = gross pay − federal income tax − FICA − state income tax. Federal tax uses the IRS progressive brackets with the standard deduction ($15,000 single / $30,000 married filing jointly for 2025). FICA is 6.2% Social Security tax on wages up to $176,100 plus 1.45% Medicare on all wages (and 0.9% extra Medicare over $200,000 single / $250,000 married). State tax here is a simplified flat-rate estimate — real state systems are progressive with their own deductions.
Looking for your state? Try our state-by-state paycheck calculators, or see where a $100K salary goes furthest.
Frequently asked questions
How is take-home pay calculated?
Take-home pay equals gross pay minus federal income tax (based on IRS brackets and the standard deduction), FICA taxes (Social Security 6.2% up to the wage base plus Medicare 1.45%), and state income tax.
What is FICA tax in 2026?
FICA is 7.65% of wages: 6.2% Social Security tax on earnings up to the annual wage base ($176,100 for 2025) and 1.45% Medicare tax on all earnings, plus an additional 0.9% Medicare tax on earnings over $200,000.
Which states have no income tax?
Nine states have no individual income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming.
Why does my actual paycheck differ from this estimate?
Real paychecks reflect your W-4 withholding choices, pre-tax benefits, local taxes, and state-specific deductions and credits. This calculator is a planning estimate, not a payroll prediction.
How much tax is taken out of a $75,000 salary?
For a single filer with no state tax: federal tax is about $9,664 and FICA about $5,738, leaving roughly $59,598 take-home (before any pre-tax deductions). Enter your own salary above for an exact breakdown.
Should I adjust my W-4 withholding?
If you consistently owe a lot or get a huge refund, your withholding doesn't match your liability. Use this calculator to estimate your real tax, then file a new W-4 with your employer to adjust. A big refund means you gave the IRS an interest-free loan.
Are bonuses taxed differently?
Yes — employers usually withhold a flat 22% federal tax on bonuses (supplemental wages), which may be more or less than your marginal rate. The difference settles when you file your return.
What is the difference between marginal and effective tax rate?
Your marginal rate is the tax on your next dollar earned (e.g. 22%). Your effective rate is total tax divided by total income — always lower, because lower brackets apply to the first dollars. This calculator shows both.