Take-Home Paycheck Calculator
Free · no sign-up · reviewed September 2026
The salary on your offer letter is not what lands in your bank account. This calculator estimates your real take-home pay after federal income tax, Social Security, Medicare, state tax and your 401(k), so you know what you'll actually get each paycheck.
Drag your salary and 401(k), pick your filing status and pay schedule, and the ring shows exactly where your money goes. It uses the 2026 federal brackets and standard deduction, and the bracket-by-bracket table shows how the federal number was built.
Drag to adjust
Your numbers
A traditional contribution comes out before income tax, so it lowers this year's bill. A Roth one comes out after, so it lowers none of it — the IRS counts a designated Roth contribution as wages you received, and every state and city that starts from those wages counts it too. Same money out of your paycheck either way; the tax is the difference.
9 states charge no income tax on your wages, and in 20 more we work the state line out for you — 16 that charge one flat rate, and California, New Jersey, New York and Virginia from their own bracket schedules. Pick yours.
Your own estimate — Far Better Off works out federal tax exactly, but hasn't modelled your state's brackets yet.
Your numbers save automatically on this device. The link opens this calculator with these exact numbers filled in, so you can bookmark a scenario or send it to someone. Printing gives you a clean sheet of just your numbers and the answer, so open the schedule first if you want it on there.
Your take-home pay
$4,592
$2,119 per paycheck · $55,105 per year
💡 After taxes and 401(k), you keep about 73¢ of every dollar. Your top federal bracket is 22%, but that rate only touches your last dollars: across federal tax, Social Security, Medicare and state tax you pay 21.5% of your salary.
21.5%
Effective tax rate
of gross pay
$16,145
Yearly to taxes
fed + FICA + state
$3,750
Yearly to 401(k)
future you
- Take-home pay$55,105
- Federal tax$6,845
- Social Security + Medicare$5,738
- State tax$3,563
- 401(k)$3,750
- Gross salary
- $75,000
- Federal taxable income
- $55,150
- Federal income tax
- $6,845
- Social Security + Medicare
- $5,738
- State income tax
- $3,563
- 401(k) contribution
- $3,750
- Take-home pay (year)
- $55,105
- Per paycheck (26/yr)
- $2,119
⚖️ Compare traditional and Roth▼
The same money out of your paycheck, on either side of the tax line. Everything else stays exactly as you set it above.
| Figure | Traditional (pre-tax)Your numbers | Roth (after-tax)Compared | Difference |
|---|---|---|---|
| Into the account | $3,750 | $3,750 | same |
| Tax this year | $16,145 | $17,158 | +$1,013 |
| Take-home pay | $55,105 | $54,093 | −$1,012 |
| Per paycheck | $2,119 | $2,080 | −$39 |
Both columns put the same dollars into the account; only the tax year differs. A traditional contribution is taxed when you withdraw it in retirement, at whatever your rate is then, and a Roth one never is — so the smaller take-home on the Roth side is the price of that, not a loss. This page cannot tell you which wins, because that turns on a rate decades out; the Roth vs traditional calculator is where that comparison belongs.
🧾 Federal tax, bracket by bracket (2026)▼
Only the dollars inside a band are taxed at that band's rate. $75,000 salary − $3,750 401(k) − $16,100 standard deduction = $55,150 taxable income.
| Rate | Band | Your income in it | Tax |
|---|---|---|---|
| 10% | $0–$12,400 | $12,400 | $1,240 |
| 12% | $12,400–$50,400 | $38,000 | $4,560 |
| 22% | $50,400–$105,700 | $4,750 | $1,045 |
| Total | $55,150 | $6,845 |
2026 federal rates and standard deduction (IRS Rev. Proc. 2025-32). Social Security (6.2% up to $184,500), Medicare (1.45%), state tax are separate from this table — they're in the breakdown above.
Take-Home Paycheck Calculator · Far Better Off
https://farbetteroff.com/calculators/take-home-paycheck-calculator
Open that link to get this calculator back with these exact numbers. Estimates for education only — Far Better Off is not a lender or a financial advisor, and these results are not financial advice.
The 2-minute guide
Why your paycheck is smaller than your salary
Every paycheck, money is taken out before you see it: federal income tax, Social Security and Medicare (together called FICA, ~7.65%), usually state tax, and anything you put toward retirement or health insurance. That gap between 'salary' and 'take-home' is normal. Plan your budget around the take-home number, not the salary.
Your tax bracket isn't your tax rate
Being 'in the 22% bracket' does not mean you pay 22% of everything. The US uses marginal tax: only the dollars inside each bracket are taxed at that rate. Your effective rate, what you actually pay overall, is almost always lower. Open 'Federal tax, bracket by bracket' under the results to see your own income split across the bands, with the tax each one costs you.
The 401(k) trick
Money you put into a traditional 401(k) isn't taxed this year, so contributing lowers your income tax and builds your retirement at the same time. A Roth 401(k) is the same money out of the same paycheck, but it's taxed now rather than later, so set "Contribution type" to the one that's yours — otherwise every tax line here reads low. Either way, if your employer matches, contribute at least enough to get the full match. It's free money you'd otherwise leave on the table.
Treat this as a close estimate
The federal side is worked out exactly, bracket by bracket. On the state side it depends where you work: 9 states take nothing out of wages, 16 charge a single rate we apply for you, California, New Jersey, New York and Virginia are computed from their own published bracket schedules, and everywhere else the state line is the percent you type, because those states' bracket tables haven't been read off their own forms here yet. Cities tax wages too, and that line is invisible in any state rate: pick Bloomington, Carmel and Fishers, Evansville, Fort Wayne, Gary and Hammond, Indianapolis, Lafayette, South Bend, Bowling Green, Lexington, Louisville, Albion, Battle Creek, Benton Harbor, Big Rapids, Detroit, East Lansing, Flint, Grand Rapids, Hamtramck, Highland Park, Ionia, Lansing, Lapeer, Muskegon, Muskegon Heights, Pontiac, Portland, Saginaw, Springfield, Walker, St. Louis, New York City, Akron, Canton, Cincinnati, Cleveland, Columbus, Cuyahoga Falls, Dayton, Euclid, Hamilton, Kettering, Lakewood, Lorain, Mansfield, Middletown, Parma, Toledo, Abington Township, Allentown, Altoona, Bensalem Township, Bethlehem, Bristol Township, Cheltenham Township, Erie, Harrisburg, Lancaster, Millcreek Township, Mount Lebanon Township, Norristown Borough, Philadelphia, Pittsburgh, Reading, Ross Township, Scranton, State College Borough, Upper Darby Township, West Chester Borough, Wilkes-Barre and York under "City income tax" and it's worked out for you. Everywhere else it isn't — most of Ohio, every Indiana county, much of Kentucky, Michigan's 4 other income-tax cities and much of Pennsylvania charge a local tax this page doesn't yet model. Even the states we do compute leave out their own deductions and credits. Some states also withhold a contribution that is not income tax at all — California's State Disability Insurance takes 1.3% of every dollar you earn, New Jersey's unemployment, disability and family-leave contributions 0.845% of the first slice of it — and those two are computed here as their own line; the dozen other states that withhold something similar are not modelled yet. Real paychecks also involve allowances, pre-tax health premiums and other details on your W-4. This gets you within a realistic range for planning. For exact figures, check a pay stub or your HR/payroll system.
Frequently asked questions
Is this my exact paycheck?
It's a close estimate using the 2026 federal tax brackets, the 2026 standard deduction, and Social Security and Medicare rates. Your real check can differ due to your W-4 elections, local taxes, health premiums and other deductions. Use it for planning, then confirm against a real pay stub.
Which tax year does this use?
Tax year 2026: the brackets and standard deduction the IRS published in Revenue Procedure 2025-32, and the $184,500 Social Security wage base for 2026. The standard deduction is $16,100 single, $32,200 married filing jointly, $24,150 head of household and $16,100 married filing separately.
Which states have no income tax?
No state income tax comes out of your wages in 9 states: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Pick one in "Where you work" and the state line drops to $0. New Hampshire is the newest: it never taxed wages, and it repealed its tax on interest and dividends for tax years from 2025 on. Washington taxes some capital gains but not wages. Everywhere else you'll owe state tax, and in 20 of those states we work it out for you — see the next question.
Which states have a flat income tax?
Far Better Off computes the state line for you in 20 states: 16 that charge a single rate on wage income — Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Mississippi, North Carolina, Ohio, Pennsylvania and Utah — and California, New Jersey, New York and Virginia, which run graduated brackets rather than one rate. California runs nine of them, from 1% on the first dollars of taxable income to 12.3% at the top, plus the 1% Mental Health Services Tax on taxable income above $1,000,000; the calculator applies the schedule for your filing status (the Franchise Tax Board's Schedule X, Y or Z) to your wages after California's own standard deduction, $5,706 single or married filing separately and $11,412 filing jointly or as head of household, and tells you which bracket your last dollar lands in. Those brackets are the 2025 schedule, which is what the Franchise Tax Board's own 2026 estimated-tax instructions tell you to use until it publishes 2026's, so the figure runs a little high for 2026 rather than low. California's personal exemption credit isn't included. State Disability Insurance is: California withholds it separately from income tax, at 1.3% of every dollar you earn with no wage ceiling, and it is shown as its own line in the breakdown rather than mixed into the state tax figure. New York runs nine brackets too, from 4% to 10.9%, on your wages after its own standard deduction — $8,000 single or married filing separately, $16,050 filing jointly, $11,200 as head of household — and it has one rule the schedule alone doesn't show: above $107,650 of income the state takes the benefit of those lower brackets back again, phased in over the next $50,000, which its own instructions compute in sixteen tax computation worksheets. Far Better Off applies it, so a single New Yorker on $150,000 is shown $8,433 a year rather than the $7,952 the brackets alone suggest. Those are the 2025 schedule and worksheets, the latest New York has published, since each year's arrive with that year's Form IT-201. New York City's own income tax and the Yonkers surcharge are not included, and neither are dependent exemptions or the household credit. New Jersey runs seven brackets from 1.4% to 10.75% on a single return and eight filing jointly, and those are genuinely different tables rather than one halved: $75,000 of wages is $2,596 a year for a single filer in New Jersey and $1,400 for a couple filing jointly on the same $75,000. They apply to your wages after the state's $1,000 regular exemption, $2,000 filing jointly — New Jersey has no standard deduction — and its $1,500-a-child exemption, its property-tax deduction and its credits are not included, so a filer with children owes less. That schedule is the 2025 one and rarely moves, because New Jersey's bands are written into the statute rather than indexed each year. One rule worth knowing if your pre-tax money doesn't go into a 401(k): New Jersey excludes 401(k) contributions the way the IRS does, but it taxes what you put into a 403(b), 457, SEP or the federal Thrift Savings Plan in the year you earn it, so for a teacher or a state employee the real New Jersey line is higher than this one. Its unemployment, disability and family-leave contributions are not income tax, so they are not in the state tax figure — they are four separate lines in the breakdown, 0.845% of your pay in total, and the calculator works them out for you. Pick one in "Where you work" and the percent box disappears, because there's nothing left to guess. Six are worth knowing about. Ohio, Mississippi and Idaho aren't quite flat: Ohio taxes nothing on the first $26,050 and then charges $332 plus 2.75% above that, Mississippi taxes nothing on the first $10,000 and then charges 4%, and Idaho taxes nothing on the next $4,811 after its standard deduction ($9,622 filing jointly or as head of household) and then charges 5.3%. Pennsylvania is the only state here that taxes what you put into a 401(k), so its 3.07% is figured on your whole salary rather than your salary minus contributions. And none of Iowa's 3.8%, Colorado's 4.4% or Idaho's 5.3% is reckoned from your wages: the Iowa and Colorado returns both start from your federal taxable income, and Idaho conforms to the federal standard deduction outright, so in all three the federal deduction — $16,100, or $32,200 filing jointly — comes off before the state's rate applies. Colorado's 4.4% is its standing rate and the latest one it has published, for 2025; when the state collects more than its TABOR cap it refunds some of it through the rate, which is why 2024 came out at 4.25%. Where a state's own standard deduction has been verified from its revenue department or statute, Far Better Off applies it for your filing status — Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Mississippi, North Carolina and Ohio — so Georgia, for instance, charges its 4.99% on your wages after $15,000 single or $30,000 filing jointly, not on every dollar. In the rest the figure is still a ceiling, because an unverified deduction can't be guessed at. Illinois, Indiana, Michigan and Ohio give a personal exemption a head at a time rather than a standard deduction, so a joint return gets two — $5,900 each in Michigan — and two of them put a limit on it: Illinois's stops above $250,000 ($500,000 filing jointly) and Ohio's shrinks as you earn more, from $2,350 a person up to $40,000 of income to $2,100 up to $80,000, $1,850 above that and nothing at all over $500,000, exactly as each state's own rule does. Massachusetts is the one state here that lets you deduct a tax you have already paid rather than income it exempts: up to $2,000 of the Social Security and Medicare tax withheld from your own pay comes off before its 5% applies, which every full-time earner there maxes out, and it is worth $100 a year. The cap is per person and can't be shared with a spouse, so a two-income couple gets a second one this page can't see. Exemptions for dependents and state credits are never modelled. County and municipal income taxes, which Indiana, Kentucky, Michigan, Ohio and much of Pennsylvania charge on top, are a separate line: the "City or county income tax" box computes the 72 whose own rule has been verified, and everywhere else they are missing from the figure. Other flat-rate states are coming as each rate is confirmed from an official source.
Does this include city or local income tax?
For 72 cities, counties, townships and boroughs, yes. Pick Indiana, Kentucky, Michigan, Missouri, New York, Ohio or Pennsylvania under "Where you work" and a "City, township, county or borough income tax" box appears: Bloomington, Carmel and Fishers, Evansville, Fort Wayne, Gary and Hammond, Indianapolis, Lafayette, South Bend, Bowling Green, Lexington, Louisville, Albion, Battle Creek, Benton Harbor, Big Rapids, Detroit, East Lansing, Flint, Grand Rapids, Hamtramck, Highland Park, Ionia, Lansing, Lapeer, Muskegon, Muskegon Heights, Pontiac, Portland, Saginaw, Springfield, Walker, St. Louis, New York City, Akron, Canton, Cincinnati, Cleveland, Columbus, Cuyahoga Falls, Dayton, Euclid, Hamilton, Kettering, Lakewood, Lorain, Mansfield, Middletown, Parma, Toledo, Abington Township, Allentown, Altoona, Bensalem Township, Bethlehem, Bristol Township, Cheltenham Township, Erie, Harrisburg, Lancaster, Millcreek Township, Mount Lebanon Township, Norristown Borough, Philadelphia, Pittsburgh, Reading, Ross Township, Scranton, State College Borough, Upper Darby Township, West Chester Borough, Wilkes-Barre and York. It matters more than people expect. Philadelphia's Wage Tax is 3.735% for residents and 3.425% for people who work in the city and live outside it, so a Philadelphian on $75,000 pays about $2,801 to the city against $2,303 to Pennsylvania — the city line is the bigger one. Ohio's cities charge 2.85% in Euclid, 2.5% in Akron, Canton, Cleveland, Columbus, Dayton, Lorain, Parma and Toledo, 2.4% in Springfield, 2.25% in Kettering and Mansfield, 2% in Cuyahoga Falls, Hamilton and Middletown, 1.8% in Cincinnati and 1.5% in Lakewood, each on the work done inside the city rather than on where you live. Ohio is also the one state here with a second local box, because it has a second local tax: all 214 school districts that levy one for 2026 are here, 0.25% to 2%, charged on where you live and owed on top of the city tax on where you work — so someone living in Westerville and working in Columbus pays both, and a 401(k) contribution reduces the district line while leaving the city's exactly where it was. Ohio law lets a district pick one of two bases and they are not interchangeable: 68 charge their rate on earned income only, which is wages with nothing taken off, and 146 charge it on Ohio taxable income, your pay after the state's personal exemption. So 1% is $750 a year in Athens City School District and $729 in Arcadia Local School District on the same $75,000, and $708 in Arcadia filing jointly, because a joint return takes two of Ohio's exemptions and the earned-income base has no filing status at all. Ohio's $26,050 zero band and its $332 of flat tax stay with the state, which is why a $28,000 salary can owe Ohio nothing and still owe a district $260. Michigan's 20 are pairs like Philadelphia's, a resident rate and a commuter rate at exactly half of it — Detroit 2.4% and 1.2%, Grand Rapids 1.5% and 0.75%, Lansing and Flint 1% and 0.5% among them. All of them come off a figure a 401(k) has already reduced — a Detroit resident's federal AGI, box 1 of your W-2 everywhere else — less $600 a year for each personal and dependency exemption, which is the figure each of those cities prints on its own return. Kentucky's two are each one payslip line and two questions, because a school levy rides on a work-based fee for residents alone: Louisville Metro takes 2.2% from someone living in Jefferson County and 1.45% from someone commuting in, and Lexington-Fayette takes 2.75% from a Fayette County resident — the Urban County Government's 2.25% on all wages plus the Fayette County Board of Education's 0.5% — and 2.25% from a commuter. On $75,000 that is about $2,063 to Lexington against $2,507 to Kentucky, so the local line is 45% of what the two take together, and neither is reduced by a 401(k). New York City is the one with a schedule rather than a rate: four resident brackets from 3.078% to 3.876%, charged on your New York State taxable income, so a single New Yorker on $75,000 owes about $2,472 to the city on top of the state line, and the filing status you pick above changes it. Indiana's are county taxes rather than city ones — Marion County charges 2.02% whether or not you live inside Indianapolis, and the rate that applies is the county you lived in on 1 January, not the one you commute to — so a single filer on $75,000 in Indianapolis owes about $1,495 to Marion County on top of Indiana's own 2.95%, and about $814 in Hamilton County (Carmel, Fishers), whose 1.1% is the lightest of the eight. They do not all start from the same number, which matters if you contribute to a 401(k): Philadelphia and Ohio's cities tax gross pay with no deduction, so a deferral does not reduce them — Ohio taxes "qualifying wages" (box 5 Medicare wages) and Pennsylvania and Philadelphia tax elective deferrals when you earn them — while a Detroit resident's tax starts from federal AGI and then takes off $600 for each personal and dependency exemption, and New York City's and Indiana's counties' start from the state's own taxable income — the state's standard deduction or personal exemption already taken off — so a 401(k) reduces all three. Everywhere else the answer is no, and the gap is real: Indiana's other 84 counties, Kentucky's city and county occupational taxes other than Louisville's and Lexington's, Michigan's 4 other income-tax cities, the Yonkers surcharge, hundreds of other Ohio municipalities and much of Pennsylvania outside Philadelphia all take a local cut this page doesn't model yet. If you live in one, your real take-home is lower than the figure above. If you're an Ohio commuter, note that this is the tax of the city you work in — your home municipality may want its own, less a credit for what the work city took.
What is SDI, and do you include it?
Yes, in the 10 states whose rates have been read off the agency's own page. State Disability Insurance — and the paid-leave contributions that work the same way — is not income tax. It is a contribution to a state programme that pays you when you can't work, and because it is not income tax, no state tax rate anywhere shows it. On a $75,000 salary, $1,040 of it comes out in Washington, the heaviest of the ten and a state with no income tax at all: Paid Family and Medical Leave is 1.13% of wages in 2026 and you pay 71.43% of that, up to the Social Security cap, and WA Cares takes another 0.58% for long-term care with no ceiling at all. California's SDI is $975: 1.3% of your wages in 2026, with no ceiling either since California removed the taxable wage limit on 1 January 2024, and the same contribution funds Paid Family Leave. New Jersey charges four of them — unemployment insurance at 0.3825% and workforce development at 0.0425%, both stopping at $44,800 of wages, plus temporary disability at 0.19% and family leave at 0.23%, both stopping at $171,100 — which is $505 a year, and each gets its own row because that is how your pay stub lists them. New Jersey is one of the few states that charges the worker for unemployment insurance; nearly everywhere else that is the employer's alone. Oregon's Paid Leave is $450 (0.6% — your 60% share of the 1% rate), Colorado's FAMLI $330 (0.44%, half the 0.88% premium), and New York's Paid Family Leave $324 — 0.432% of wages, which stops once you have earned $95,348.76 for the year, so nobody pays more than $411.91. Pick any of the ten under "Where you work" and the contribution appears as its own line under the tax rows. None of it is reduced by a 401(k): these agencies count an employee salary reduction as wages, so they behave like Social Security and Medicare rather than like income tax. New York's separate disability contribution (DBL) is left out on purpose — the law lets an employer withhold half of one percent of wages up to 60 cents a week but does not require it, and many employers pay the whole premium. Four more were added on 13 September 2026: Massachusetts withholds $345 (0.46% — the whole family leave contribution and 40% of the medical one), Rhode Island $825 (Temporary Disability Insurance at 1.1% of the first $100,000, and workers there fund it alone), Connecticut $375 (0.5%, also employee-funded outright) and Minnesota $330 (0.44%, half the Paid Leave premium that started on 1 January 2026). Hawaii is left out for the same reason as New York's DBL: its law lets an employer pay the whole TDI premium or share it equally, and caps your half at 0.5% of weekly wages rather than setting it there, so there is no rate to charge everybody. Delaware's Paid Leave and Maryland's FAMLI are the two still to verify, so in those states your real take-home is a little lower than the figure above.
Should my spouse and I file separately?
Usually not, but it's worth checking. Filing separately splits the married-joint brackets exactly in half and drops your standard deduction to $16,100, and it rules out or shrinks several credits, so most couples pay more in total. It can still win when one spouse has large medical bills or student-loan payments tied to income, or when you simply want your tax kept separate from your spouse's. Switch the filing status above to see the difference on your own salary.
What is FICA?
FICA is Social Security (6.2% on wages up to $184,500 in 2026) plus Medicare (1.45% on all wages), about 7.65% total that funds retirement and healthcare programs. It comes out of every paycheck and is separate from income tax. Above $200,000 of wages, employers withhold an extra 0.9% Medicare tax, which this calculator includes.
Can I file as head of household?
Generally yes if you were unmarried at the end of the year, paid more than half the cost of keeping up your home, and a qualifying person such as your child lived with you for more than half the year — a dependent parent counts even if they live elsewhere. It's worth checking: the head-of-household standard deduction is $24,150 for 2026 versus $16,100 for a single filer, and the brackets are wider, so the same salary takes home more.
Does contributing to my 401(k) really lower my taxes?
For a traditional 401(k), yes. Contributions come out before income tax is calculated, so your taxable income, and your tax bill, drop. You pay tax later when you withdraw in retirement. For a Roth 401(k) the answer is no, and it is worth being clear about: the IRS says your employer "includes the amount of the designated Roth contribution in the employee's gross income at the time the employee would have otherwise received the amount in cash", so it sits inside box 1 of your W-2 and lowers no tax at all this year — not federal, not your state's, not your city's. It comes out of your take-home instead, and the payoff is that the money and its growth are tax-free when you withdraw it. Set "Contribution type" to match yours: on $75,000 with 5% going in, picking Roth over traditional costs a single filer in a no-income-tax state $825 more federal tax this year. Neither is modelled as the better one, because which wins depends on your tax rate decades from now.
How much can I put into my 401(k) in 2026?
$24,500 of your own pay, and this calculator will not let a percent go past it: set 20% on a $200,000 salary and it contributes $24,500 rather than $40,000, because that is what your plan would actually take. From the year you turn 50 you may add a $8,000 catch-up, and in the four years you turn 60, 61, 62 and 63 that catch-up is $11,250 instead — $35,750 in all — before dropping back to $32,500 at 64. All of those are 2026 figures from IRS Notice 2025-67, and eligibility goes by the age you reach during the year, not by your birthday. Three things the limit does not cover: your employer's match, which sits outside it entirely; a second job, since the limit follows you rather than the plan, so two 401(k)s in one year still share one $24,500; and the split between traditional and Roth, which is one bucket rather than two — put $24,500 into a Roth 401(k) and there is nothing left to defer.
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