Updated for tax year 2026
What will you actually take home?
A free US income tax calculator. Enter your pay and see federal tax, Social Security, Medicare and your real paycheck instantly, by year, month, week or hour.
- ✓ 2026 IRS brackets
- ✓ All four filing statuses
- ✓ No sign-up, nothing stored
Your details
Estimated take-home pay, 2026
$61,593/ year
Total tax $13,408
Effective rate 17.9%
Top bracket 22%
Per year
$61,593
Per month
$5,133
Bi-weekly
$2,368.94
Per week
$1,184.47
Per hour
$29.61
Where your $75,000 goes
- Take-home pay$61,593 (82.1%)
- Federal income tax$7,670 (10.2%)
- Social Security$4,650 (6.2%)
- Medicare$1,088 (1.5%)
- Pre-tax savings and benefits$0 (0.0%)
How we got there
- Gross pay
- $75,000
- Pre-tax contributions
- − $0
- Standard deduction (Single)
- − $16,100
- Taxable income
- $58,900
- Tax from brackets
- $7,670
- Federal income tax
- $7,670
- Social Security (6.2%, up to $184,500)
- $4,650
- Medicare (1.45%)
- $1,088
Your tax bracket breakdown
Each rate only applies to the slice of income inside its bracket.
| Rate | Bracket | Income taxed | Tax |
|---|---|---|---|
| 10% | $0 – $12,400 | $12,400 | $1,240 |
| 12% | $12,400 – $50,400 | $38,000 | $4,560 |
| 22% | $50,400 – $105,700 | $8,500 | $1,870 |
| 24% | $105,700 – $201,775 | $0 | $0 |
| 32% | $201,775 – $256,225 | $0 | $0 |
| 35% | $256,225 – $640,600 | $0 | $0 |
| 37% | $640,600 – and up | $0 | $0 |
Quick reference
Take-home pay at popular salaries
Single filer, 2026, standard deduction, no pre-tax contributions, no state tax. Use the calculator above for your own numbers.
| Salary | Federal tax | FICA | Take-home / year | Per month | Effective rate |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $26,285 | $2,190 | 12.4% |
| $40,000 | $2,620 | $3,060 | $34,320 | $2,860 | 14.2% |
| $50,000 | $3,820 | $3,825 | $42,355 | $3,530 | 15.3% |
| $60,000 | $5,020 | $4,590 | $50,390 | $4,199 | 16.0% |
| $75,000 | $7,670 | $5,738 | $61,593 | $5,133 | 17.9% |
| $100,000 | $13,170 | $7,650 | $79,180 | $6,598 | 20.8% |
| $150,000 | $24,734 | $11,475 | $113,791 | $9,483 | 24.1% |
| $200,000 | $36,734 | $14,339 | $148,927 | $12,411 | 25.5% |
| $300,000 | $68,134 | $16,689 | $215,177 | $17,931 | 28.3% |
IRS Rev. Proc. 2025-32
2026 federal income tax brackets
Full 2026 brackets page with a bracket finder →
Single
Std. deduction $16,100| 10% | $0 to $12,400 |
| 12% | $12,401 to $50,400 |
| 22% | $50,401 to $105,700 |
| 24% | $105,701 to $201,775 |
| 32% | $201,776 to $256,225 |
| 35% | $256,226 to $640,600 |
| 37% | $640,601 and above |
Married filing jointly
Std. deduction $32,200| 10% | $0 to $24,800 |
| 12% | $24,801 to $100,800 |
| 22% | $100,801 to $211,400 |
| 24% | $211,401 to $403,550 |
| 32% | $403,551 to $512,450 |
| 35% | $512,451 to $768,700 |
| 37% | $768,701 and above |
Married filing separately
Std. deduction $16,100| 10% | $0 to $12,400 |
| 12% | $12,401 to $50,400 |
| 22% | $50,401 to $105,700 |
| 24% | $105,701 to $201,775 |
| 32% | $201,776 to $256,225 |
| 35% | $256,226 to $384,350 |
| 37% | $384,351 and above |
Head of household
Std. deduction $24,150| 10% | $0 to $17,700 |
| 12% | $17,701 to $67,450 |
| 22% | $67,451 to $105,700 |
| 24% | $105,701 to $201,750 |
| 32% | $201,751 to $256,200 |
| 35% | $256,201 to $640,600 |
| 37% | $640,601 and above |
More tax calculators and guides
Calculators
Rates and brackets
Deadlines and rules
How the calculation works
- 1
Start with gross pay
Your yearly pay before anything is withheld. Hourly, weekly and monthly pay are converted to a yearly figure first.
- 2
Subtract deductions
Pre-tax 401(k) and benefit contributions come off, then the standard deduction for your filing status. What is left is taxable income.
- 3
Apply brackets and FICA
Taxable income is taxed slice by slice at 10% to 37%. Social Security and Medicare are added on your wages, and any Child Tax Credit is subtracted.
Frequently asked questions
How is federal income tax calculated?+
The US uses marginal brackets. First your standard deduction (and any pre-tax contributions) come off your pay. The rest is split into slices, and each slice is taxed at its own rate from 10% up to 37%. Only the income inside a bracket is taxed at that bracket’s rate, so moving into a higher bracket never reduces your take-home pay.
What is the standard deduction for 2026?+
For tax year 2026 it is $16,100 for single filers and married filing separately, $24,150 for head of household, and $32,200 for married filing jointly. These are the IRS inflation-adjusted amounts under Rev. Proc. 2025-32.
What is the difference between marginal and effective tax rate?+
Your marginal rate is the rate on your last dollar of taxable income, the top bracket you reach. Your effective rate is your total tax divided by your gross pay, which is always lower. This calculator shows both.
What is FICA and how much is it?+
FICA is the payroll tax that funds Social Security and Medicare. Employees pay 6.2% Social Security on wages up to $184,500 in 2026, plus 1.45% Medicare on all wages. Earners above $200,000 (single) or $250,000 (married filing jointly) pay an extra 0.9% Additional Medicare tax.
Why does my 401(k) not reduce Social Security and Medicare tax?+
Traditional 401(k) contributions are exempt from income tax but not from FICA. Health insurance premiums, HSA and FSA payroll deductions (Section 125 plans) lower both. The two input boxes in the calculator treat them accordingly.
Does this calculator include state income tax?+
Not yet. This version covers federal income tax and FICA. State income tax for every state, plus state-by-state comparisons, is on the way.
Is my information stored or sent anywhere?+
No. All math runs in your browser. There is no account, no database, and the numbers you type are never uploaded.
How accurate is the estimate?+
It is a solid planning estimate for a typical W-2 employee using the standard deduction. It does not cover itemized deductions, self-employment tax, capital gains, other credits, or the refundable part of the Child Tax Credit. For your actual return, use IRS guidance or a tax professional.
Estimates for education and planning only. This is not tax, legal or financial advice. Figures are based on 2026 IRS inflation adjustments and the 2026 Social Security wage base; verify with the IRS or a tax professional.