Take-Home Pay Calculator
Estimate your real paycheck after federal tax and FICA.
This tool provides estimates for informational purposes only and is not financial or tax advice.
401(k), HSA, traditional IRA, etc.
Take-home per paycheck
$2,288
Take-home annually
$59,482
Annual deductions
- Estimated federal income tax
- $7,010
- Social Security
- $4,464
- Medicare
- $1,044
- Effective tax rate
- 16.7%
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How this calculator works
This calculator estimates your take-home pay using 2026 federal income tax brackets, then subtracting Social Security (6.2% up to the annual wage base) and Medicare (1.45%, plus an additional 0.9% above a high-income threshold).
Taxable income is your gross salary minus any pre-tax deductions you enter (like 401(k) contributions) minus the standard deduction for your filing status. The federal tax is calculated progressively. Only the income within each bracket is taxed at that bracket's rate, not your entire salary.
This tool uses 2026 federal figures for estimation purposes only. It does not include state or local income tax, which vary significantly by location, so your real paycheck will differ from this estimate.