US Salary Calculator
Enter your gross salary — annual, monthly, or hourly — and see what actually lands in your bank account each pay period after federal income tax, FICA payroll tax, and your state's income tax. Calculations use 2026 IRS brackets, run entirely in your browser, and are free.
How the salary calculator works
The calculator takes your gross salary, subtracts the standard deduction for your filing status (Single $15,750, Married Filing Jointly $31,500, Head of Household $23,625 in 2026), and applies the federal income tax brackets to the remainder. It also computes FICA payroll tax — Social Security at 6.2% on wages up to ~$181,800 in 2026, plus Medicare at 1.45% with no cap, plus a 0.9% Additional Medicare surtax on wages above $200,000 (Single) or $250,000 (MFJ).
State income tax is applied per the rules of your selected state. Nine states have no state income tax. Eleven use a single flat rate (e.g. Pennsylvania 3.07%, Massachusetts 5%, Illinois 4.95%). The remaining 30 plus DC use progressive brackets — for those, we apply a representative effective rate at typical $75K-$100K income; your specific liability varies with your exact income and deductions.
For a deeper breakdown of the formula, full federal brackets, and methodology disclosure, see the full salary tax calculator.
Frequently asked
What does this salary calculator show?
Your annual take-home pay (net) after federal income tax, FICA payroll tax (Social Security + Medicare), and state income tax. Plus monthly, bi-weekly, weekly, and hourly equivalents.
How is salary different from wages?
"Salary" generally means a fixed annual amount paid in regular instalments, regardless of hours worked. "Wages" usually means pay calculated by the hour. The calculator handles both — toggle the Period dropdown between Per year and Per hour.
Does it factor in 401(k) or health insurance?
No. The calculator estimates federal + FICA + state income tax only. Pre-tax retirement contributions, HSA, FSA, and health insurance premiums reduce your taxable income and would lower the federal/state tax bill — your actual take-home is typically a few percent higher than the calculator shows.
Why does my state matter so much?
Nine US states have no state income tax (AK, FL, NV, NH, SD, TN, TX, WA, WY). The other 41 + DC range from 1.95% (North Dakota) to 8.5% effective (Oregon). For a $75K salary, that is the difference between $0 and ~$5,000 in extra tax.
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Last updated: January 2026 · Sources: IRS Revenue Procedure 2025-32, Social Security Administration, state revenue departments.