See what a salary or hourly wage leaves after US federal income tax, Social Security, Medicare and your state’s rate, per year, per month and per paycheck. Uses the 2026 IRS brackets.
Where the money goes
| Per year | Per month | Per paycheck | Share of pay |
|---|
2026 federal brackets and standard deduction from the IRS; Social Security wage base from the SSA. Wages only, standard deduction, no credits. Your W-4 decides what is actually withheld.
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Updated 24 October 2026. Results are estimates for information only, not financial, tax, legal or investment advice. Actual rates, fees, taxes and rules vary. How our calculators work
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How to use the Take-Home Pay Calculator
- Enter your pay as an annual salary or an hourly rate with your weekly hours, and choose how often you are paid.
- Pick your filing status. Add any 401(k) contribution and pre-tax health premiums, then your state’s income tax rate (0 if your state has none).
- Read your take-home pay per paycheck, per month and per year, and the breakdown of every tax underneath.
About this tool
Your salary and your paycheck are two different numbers. Between them sit federal income tax, Social Security, Medicare, usually a state income tax, and anything you put into a 401(k) or a workplace health plan. This calculator takes each of those in turn, using the 2026 figures the IRS and the Social Security Administration published, and shows what is left.
How the federal tax is worked out: your pay, minus pre-tax deductions, minus the standard deduction for your filing status, is your taxable income. Each slice of it is taxed at its own bracket rate, so moving into a higher bracket only raises the tax on the dollars above the threshold. The marginal rate is the rate on your next dollar; the effective rate is your total federal income tax divided by your gross pay, and is always lower.
Social Security is 6.2% of wages up to the 2026 wage base of $184,500, and Medicare is 1.45% of all wages plus an extra 0.9% above $200,000 ($250,000 for joint filers). A 401(k) contribution lowers income tax but not Social Security or Medicare; health premiums taken through a cafeteria plan lower both.
It is an estimate. It assumes wages are your only income and that you take the standard deduction, and it leaves out tax credits such as the child tax credit, local taxes and your state’s own deductions, which is why a flat state rate is used. Your actual withholding also depends on the W-4 you gave your employer. For a quick conversion between salary and hourly pay, see the salary to hourly chart.
Frequently asked questions
How much is $60,000 a year after taxes?
For a single filer in 2026 with no state income tax, about $50,390 a year: roughly $4,199 a month or $1,938 every two weeks. Federal income tax is about $5,020, Social Security $3,720 and Medicare $870. A state income tax of 5% would take about $3,000 more. Enter your own figures above for an exact estimate.
What is the standard deduction for 2026?
$16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household, according to the IRS’s 2026 inflation adjustments.
Why is my paycheck different from this estimate?
Withholding is based on the W-4 you gave your employer, and payroll systems spread the year’s tax across paychecks with their own rounding. Benefits, retirement contributions, local taxes and garnishments also come out. Over a full year, your tax return settles the difference between what was withheld and what you owe.
Which states have no income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Enter 0 as the state rate if you live and work in one of them.
What state rate should I enter?
Use your state’s effective rate on your income rather than its top bracket. If you are unsure, your last state return divided by your wages gives a good figure. States with progressive brackets charge less on lower incomes than their headline rate.
Does a 401(k) contribution reduce my take-home pay one for one?
No. Because it lowers your taxable income, every $100 you contribute reduces take-home pay by $100 minus the income tax you save. In the 22% bracket that is about $78. Try it above: raise the 401(k) percentage and watch the federal tax fall.
Is anything I enter sent anywhere?
No. The calculation runs in your browser and nothing you type leaves your device.