Take Home Pay Calculator
Estimate your paycheck after federal income tax, Social Security, Medicare and state tax, using the 2026 federal brackets.
Take-home pay is your salary minus federal income tax, Social Security (6.2%), Medicare (1.45%) and any state income tax. For 2026, a single filer earning $75,000 in a state with no income tax pays about $7,670 in federal income tax and $4,650 in Social Security plus Medicare, leaving roughly $2,369 every two weeks, an effective tax rate near 18%.
This calculator gives a general estimate of take-home pay for tax year 2026 and is not tax advice or a substitute for a tax professional. It uses the annual federal brackets and standard deduction rather than the federal withholding tables, ignores pre-tax deductions, credits and local taxes, and applies state tax only as the flat rate you enter. Your paycheck and final tax bill can differ. For withholding decisions, use the official federal withholding estimator or talk to a tax professional.
Estimated take-home pay, every two weeks
$2,368.94
| Per paycheck | Per year | |
|---|---|---|
| Gross pay | $2,884.62 | $75,000.00 |
| Federal income tax | $295.00 | $7,670.00 |
| Social Security (6.2%) | $178.85 | $4,650.00 |
| Medicare (1.45%) | $41.83 | $1,087.50 |
| Additional Medicare (0.9%) | $0.00 | $0.00 |
| State and local tax | $0.00 | $0.00 |
| Take-home pay | $2,368.94 | $61,592.50 |
- Effective tax rate
- 17.88%
- Federal tax bracket
- 22%
Tax year 2026 estimate from the annual federal brackets and standard deduction. It leaves out 401(k) and health premiums, credits, and your W-4 choices, so your pay stub will differ.
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About the Take Home Pay Calculator
Four deductions stand between a salary and a paycheck. Federal income tax is worked out here from the 2026 federal brackets: your salary minus the standard deduction ($16,100 single, $32,200 married filing jointly) is taxed in slices at 10%, 12%, 22% and up, so only the dollars above each threshold pay the higher rate. Social Security takes 6.2% of wages up to $184,500 for 2026 and nothing above it. Medicare takes 1.45% of every dollar, and employers withhold an extra 0.9% on wages over $200,000. State tax is a flat rate you enter. Nine states tax no wages at all: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming, so enter 0 there. Two limits matter. Your employer uses the federal withholding tables and your W-4, not the annual brackets, so your actual paycheck will differ somewhat, and the gap settles when you file. And pre-tax deductions such as 401(k) contributions and health premiums are left out; they lower the income tax shown here.
Frequently asked questions
How is take-home pay calculated?+
Start with gross pay, subtract federal income tax, Social Security, Medicare and any state or local income tax, then divide by the number of paychecks in a year. On $75,000 as a single filer with no state tax, the federal tax is $7,670 and Social Security plus Medicare is about $5,738, leaving about $61,593 a year or $2,369 every two weeks.
Why is my actual paycheck different from this estimate?+
Employers withhold using the federal percentage tables and the answers on your W-4, which can over- or under-shoot the tax you finally owe. Pre-tax 401(k) contributions, health insurance premiums, HSA contributions, local taxes and tax credits also change the number. Treat this as a planning estimate and your pay stub as the record.
What does my tax bracket mean for my paycheck?+
Your bracket is the rate on your last dollars of taxable income, not on all of it. A single filer in the 22% bracket still pays 10% on the first $12,400 of taxable income and 12% on the next slice. That is why the effective rate shown on this page is always lower than the bracket.
Does this include state income tax?+
Only as a flat rate you enter. State systems range from none to graduated brackets with their own deductions, and this page does not hold state tables yet. If you live in one of the nine states without a tax on wages, enter 0 and the estimate is complete apart from local taxes.
Which filing statuses does it cover?+
Single and married filing jointly. Head of household and married filing separately use different brackets and are not modeled here, so use an official withholding estimator or a tax professional for those.
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