Tax & Pay

US Salary Calculator (2026)

Estimate annual and monthly take-home pay after 2026 federal income tax, FICA (Social Security and Medicare) and 401(k) contributions. Choose 2024 or 2025 when estimating prior-year pay. This is not a payroll withholding or tax-return calculation.

Your Income Details

Calculation Period
$
Enter annual gross pay. The calculator supports annualised income up to $10,000,000.
The sidebar is a 2026 reference; calculations use the year selected here.
5%
0% 30% (subject to annual limit)
Additional Options

Salary estimate results

Monthly Take-Home Pay
$4,888.96
Estimated annual net: $58,668 Based on: 2026 calendar tax year
Income Distribution 100% of Gross
  • Take-home pay 0%
  • Federal income tax 0%
  • State tax estimate 0%
  • FICA 0%
  • 401(k) contribution 0%
Deduction Category Monthly Annual
⚠️ Estimate and methodology: Select the calendar tax year that applies to your pay. Uses the selected year's IRS federal income-tax brackets, standard deductions and FICA thresholds. It is an annual estimate, not payroll withholding or tax advice. State tax is either excluded or an explicitly labelled illustrative flat-rate estimate; local taxes, credits, W-4 elections and other deductions are not included. Last reviewed August 2026.

How to Calculate Your US Take-Home Pay

Estimate annual and monthly take-home pay after federal tax, FICA (Social Security & Medicare), retirement contributions, and any clearly labelled state estimate.

1

Enter Your Income

Input your gross annual salary and select your filing status.

2

Choose state-tax treatment

Exclude state tax or select the clearly labelled illustrative 5% flat-rate estimate.

3

Set Retirement Contributions

Adjust your 401(k) contribution percentage.

4

View Results

See your monthly take-home pay and detailed tax breakdown.

Frequently Asked Questions

What is the difference between gross salary and take-home pay?

Gross salary is your total earnings before any deductions. Take-home pay (also called net pay) is what you actually receive after federal tax, FICA, state tax, and 401(k) contributions are subtracted.

How accurate is this US salary calculator?

This calculator defaults to 2026 IRS federal brackets, standard deductions and FICA rates, with 2024 and 2025 options for prior-year estimates. It is not a payroll-withholding or tax-return calculation. State tax is excluded or an explicitly selected illustrative flat-rate estimate.

Does this calculator include state income tax?

Not as a full state-tax calculation. You can exclude state tax or select an illustrative 5% flat-rate estimate. State deductions, credits, local taxes and state-specific payroll rules are outside this version's scope.

What is the standard deduction for 2026?

For 2026, the standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. This reduces federal taxable income before tax is calculated.

How does 401(k) affect my taxes?

Traditional 401(k) contributions are pre-tax, reducing your federal and state taxable income. However, FICA taxes (Social Security and Medicare) are still calculated on your full gross salary. Roth 401(k) contributions are post-tax and do not reduce current taxable income.