US Paycheck & Take-Home Pay Calculator
Estimate your exact net paycheck after Federal income taxes, FICA (Social Security & Medicare), and state income taxes. Uses 2026 federal brackets, the $184,500 Social Security wage base and 2026 state income tax rates.
Salary & Withholding Information
Estimates only. Uses the 2026 standard deduction and brackets, no additional withholding, credits or itemized deductions. State figures use each state's 2026 statutory brackets and standard deduction/exemption; local (city/county) taxes and state disability or paid-leave premiums are not included โ California SDI (about 1.3% of wages) is not included. Actual withholding depends on your Form W-4.
Your salary ranks in the Top 37.4% in United States
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Understanding US Payroll Taxes & Deductions
What is FICA?
FICA stands for Federal Insurance Contributions Act. It consists of Social Security (6.2% up to the 2026 wage base of $184,500) and Medicare (1.45% with no wage limit, plus 0.9% on high earners). Employers match these amounts.
How Does 401(k) Lower Your Taxes?
Traditional 401(k) contributions are deducted before federal income tax (and most state income tax) is calculated, up to the 2026 limit of $24,500. They do not reduce Social Security or Medicare tax.
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