Estimate take-home pay after 2026 federal, FICA and state taxes
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Estimated take-home per paycheck · 26 pay periods
Uses 2026 federal brackets and standard deductions plus FICA. State tax is a simplified flat-rate estimate; credits, local taxes, benefits and deduction eligibility are excluded.
Convert annual salary into weekly, biweekly, semimonthly or monthly take-home pay after estimated federal income tax, FICA, simplified state tax and selected pre-tax deductions.
The main figure divides estimated annual take-home pay by the selected pay frequency. The breakdown separates federal income tax, FICA, simplified state tax and pre-tax deductions.
This is not payroll software. W-4 elections, dependents, itemized deductions, local tax, insurance, retirement-plan rules and employer-specific withholding can materially change a check.
Inputs are applied directly to standard finance formulas with monthly compounding where relevant. Results are estimates in the selected currency; they do not include every tax, fee, benefit, market event or local rule. Try a conservative and an optimistic case before making a decision.
Last reviewed: August 2026. Primary references include the IRS 2026, SSA, BLS CPI, U.S. DOL, CFPB.
Take-home pay is gross earnings minus pre-tax deductions, estimated income taxes and payroll taxes.
FICA includes Social Security up to the annual wage base and Medicare, including Additional Medicare Tax above its threshold.
Withholding elections, credits, local tax, health insurance, retirement contributions and employer payroll rules can change an actual check.
Biweekly pay normally produces 26 checks per year; semimonthly pay produces 24.
All math runs in your browser and your inputs are never sent to a server. Settings are saved locally and share links encode the state in the URL. For information only — not investment or tax advice.