2026 · live calculation
Take-Home Pay Calculator (2026)
Enter your pay details to estimate what actually lands in your bank account each period. Calculations use 2026 federal brackets (IRS Rev. Proc. 2025-32) and 2026 state income tax rules.
Your details
Enter what you know. Results update live.
Your Pay
Tax Filing
Advanced 401(k), pre-tax deductions
No account required · 2026 rates
Estimated result · 2026 rates
Estimate: annualized liability spread evenly across periods. Selected resident local tax is included for MD, IN, NYC or Yonkers. Other local taxes, work-location liability and state disability payroll taxes are excluded.
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Why your result looks like this
This is an AI-generated explanation of your calculated result and never changes your numbers.
Annual tax liability is spread evenly across pay periods. Employer Form W-4 / Pub. 15-T withholding, local taxes and state payroll programs can differ.
Calculations run in your browser. Optional AI explanations send your breakdown only when requested. Copy summary copies plain text; it never creates a financial-data URL.
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Frequently asked questions
Is Social Security deducted before or after 401(k)?
401(k) deferrals are subject to Social Security and Medicare tax. Only §125 deductions (health/dental premiums, HSA) reduce your FICA taxable wages.
Why does my actual paycheck differ?
This calculator spreads estimated annual tax liability evenly across pay periods. Employers use your Form W-4 and IRS Publication 15-T withholding rules. A selected supported residence adds local tax for Maryland, Indiana, NYC or Yonkers; other local taxes, work-location liability and state disability payroll taxes are excluded. Credits, deductions and employer settings can also change your actual paycheck.
Which states have no income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wage income in 2026.
Which tax credits does this model?
Only the federal Child Tax Credit ($2,200 per qualifying child under 17 for 2026, phased out above $200,000 single/HoH or $400,000 MFJ income). The Earned Income Tax Credit and other credits are not modeled — filers who qualify for them will owe less than shown here.
Does Head of Household state tax reflect real HoH brackets?
Only for Mississippi, which publishes distinct HoH figures we have verified. Every other state’s HoH result uses that state’s single-filer brackets/deduction as a documented approximation, and can overstate the real HoH liability — see the methodology page.