US take-home pay calculator

What this US calculator includes

It applies 2026 federal income-tax brackets and the standard deduction for your selected filing status. It also estimates employee FICA taxes: Social Security, Medicare and, where applicable, Additional Medicare.

What is not included yet

You can select any state. The calculator explicitly includes the states with no individual income tax on wages, plus verified estimates for Arizona, California, Colorado, Connecticut, District of Columbia, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, New Mexico, North Carolina, North Dakota, New York, Pennsylvania, South Carolina, Utah, Vermont, Virginia, Washington and West Virginia. Arizona uses the percentage elected on Form A-4; Connecticut uses the CT-W4 code and annual worksheet tables; DC uses the current rate schedule and District withholding allowances; Idaho uses its annual percentage-method threshold; Indiana uses WH-4 exemptions and excludes county tax; Kentucky excludes local occupational tax; Louisiana uses its Form L-4 standard deduction; Maine uses W-4ME allowances and its phase-down standard deduction; Maryland uses county rates and exemptions; Minnesota uses its annual withholding chart; Mississippi uses its current filing-status deductions; Missouri uses the spouse-works standard withholding deduction; Montana uses the Publication 1 wage-withholding method; Nebraska uses W-4N allowances; New Jersey uses NJ-W4 allowances and annual brackets; New Mexico uses FYI-104 annual withholding tables; South Carolina uses its SC W-4 allowances; Utah uses its Publication 14 annual formula; Vermont uses the GB-1210 annual payroll table and W-4VT allowances; West Virginia uses IT-104 exemptions. Other states remain a federal/FICA baseline until their verified state rules are added. It never guesses a state rate. The result also excludes tax credits, dependants, 401(k) and health-plan deductions, bonuses and the withholding choices on your Form W-4. Local taxes, including Detroit, New York City, Yonkers and Pennsylvania earned-income tax, are not included.

Read about Montana withholding, North Dakota withholding, New Mexico withholding, Vermont withholding, Connecticut CT-W4 codes or learn how DC income tax works.

How to use the estimate

Use it as a fast federal baseline when comparing a salary or job offer. For a closer payslip estimate, subtract the deductions specific to your state, city and benefits.

Read why a US take-home estimate can differ from a payslip.

Rates and thresholds are based on IRS guidance for federal income-tax withholding and Social Security and Medicare withholding, plus California's 2026 estimated-tax instructions, Colorado wage-withholding guidance, Georgia's 2026 income-tax update, Michigan's 2026 withholding guide, North Carolina's 2026 tax-rate schedule, New Mexico withholding guidance, Vermont withholding guidance, New York's 2026 withholding tables, Pennsylvania employer withholding guidance, and Virginia's withholding tables.