Which taxes are included?

Federal income tax using the 2026 brackets, Social Security at 6.2% up to the wage base, Medicare at 1.45%, and any state rate you enter.

Why does my actual paycheck differ?

This estimate ignores pre-tax deductions such as 401(k) contributions, health insurance premiums and local city taxes, all of which lower taxable income.

What is the Social Security wage base?

It is the annual earnings cap above which Social Security tax stops. Earnings beyond it are only subject to Medicare tax.

Take-Home Pay Calculator

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Gross pay ($)

Pay period

State tax rate (%)

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Estimate your take-home pay after federal tax, Social Security and Medicare, using the 2026 brackets. Free, no signup.

How to use Take-Home Pay Calculator

Open the toolNo signup and nothing to install; it works as soon as the page loads.
Set “Gross pay”
Set “Pay period”
Set “State tax rate”
Read the resultChange any input and the result is recalculated immediately.

Worked example with the defaults

TAKE-HOME PER PAY PERIOD · $53,960 per year after tax: $53,959.50

Nothing you enter leaves your device

All of the work happens inside your browser. Whatever you type is never packaged up and sent to a server, and no request this page makes carries it.

That makes it safe for contract amounts, personal details and internal documents you would rather not hand to a third party — close the tab and it is gone.

What this tool does not do

Take-Home Pay Calculator only does what a browser can do on its own — it talks to no backend service. So it keeps no history for you and syncs nothing across devices; if you need a record, copy or download the result.

It is also not a substitute for professional judgement. For legal, medical or tax decisions, treat the output as a starting point rather than a final answer.

Frequently Asked Questions

Which taxes are included?: Federal income tax using the 2026 brackets, Social Security at 6.2% up to the wage base, Medicare at 1.45%, and any state rate you enter.
Why does my actual paycheck differ?: This estimate ignores pre-tax deductions such as 401(k) contributions, health insurance premiums and local city taxes, all of which lower taxable income.
What is the Social Security wage base?: It is the annual earnings cap above which Social Security tax stops. Earnings beyond it are only subject to Medicare tax.