🇺🇸 US Paycheck Calculator (Federal Take-Home Pay)
Enter your gross annual salary to estimate your US take-home pay after federal income tax and FICA (Social Security and Medicare), using the current 2026 IRS tax brackets for single filers.
How the US Paycheck Calculator (Federal Take-Home Pay) works
Federal tax is calculated using the actual 2026 IRS marginal tax brackets and standard deduction (Rev. Proc. 2025-32). FICA includes 6.2% Social Security (up to the 2026 wage base of $184,500) and 1.45% Medicare, plus the additional 0.9% Medicare surtax above $200,000.
Step-by-step calculation
- 1Enter gross pay and filing status.
- 2Subtract pre-tax deductions.
- 3Apply federal tax brackets, Social Security and Medicare.
- 4Subtract state tax for take-home pay.
Worked example
On a $60,000 salary, Social Security is $3,720 and Medicare is $870 a year, before federal and state income tax.
US Paycheck Calculator (Federal Take-Home Pay) examples
| Gross annual salary ($) | Estimated take-home pay |
|---|---|
| 30,000 | $26,285 / year (estimate) |
| 45,000 | $38,338 / year (estimate) |
| 60,000 | $50,390 / year (estimate) |
| 75,000 | $61,593 / year (estimate) |
| 100,000 | $79,180 / year (estimate) |
Other inputs kept at the calculator's default values. Results calculated by this calculator.
Why use a US Paycheck Calculator (Federal Take-Home Pay)?
Estimate take-home pay before accepting a job or changing withholding.
Important factors that can affect your results
- W-4 choices.
- State and local taxes.
- Pre-tax benefits like 401(k) and health insurance.
Frequently asked questions
Does this include state income tax?
No — this is a federal-only estimate. State income tax varies enormously (some states have none), so it isn't included.
Does this account for pre-tax deductions like 401(k) contributions?
No — this calculates tax on your full gross salary. Pre-tax contributions would reduce your taxable income and change the result.
Is this exact?
It uses the real, current IRS brackets, but doesn't account for filing status other than single, credits, or other deductions — treat it as a solid estimate, not a tax filing.
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Last reviewed November 2026 · How we build and check our tools · Report a problem