Free tool
Take-home pay calculator
See roughly what lands in your bank account after taxes. Enter your salary, filing status, pay frequency, state tax estimate, and pre-tax deductions to estimate your take-home pay per paycheck and per year. This is a rough 2026 estimate — not tax advice.
Your pay details
Estimated take-home pay
- Take-home pay (every two weeks)
- $1,846
- Take-home per year
- $47,990
- Effective tax rate
- 20.0%
- Federal income tax$5,020
- FICA (SS + Medicare)$4,590
- State tax (estimate)$2,400
- Take-home pay$47,990
Rough 2026 estimate. Uses the single standard deduction ($16,100), 2026 federal brackets, Social Security at 6.2% up to $184,500 of wages plus Medicare at 1.45%, and your flat state rate. It ignores tax credits, local taxes, the additional Medicare tax, and any other withholding. Results are estimates, not tax or financial advice.
How the estimate works
We start from your gross salary, subtract your pre-tax deductions and the 2026 standard deduction, then apply the 2026 federal income-tax brackets for your filing status. On top of that we add FICA — Social Security at 6.2% (up to the $184,500 wage base) and Medicare at 1.45% — plus a flat state income-tax rate you enter. What's left is your estimated take-home pay.
What it leaves out
To keep things simple, the tool ignores tax credits, local and city taxes, the additional Medicare tax, progressive state brackets, and employer-specific withholding. Your real paycheck and year-end return can differ. Use this as a planning estimate, then confirm details with the IRS withholding estimator or a tax professional.
Think in hourly terms
Want to compare a salary offer to an hourly rate? Convert it with the salary-to-hourly calculator to see what your gross pay works out to per hour before taxes.
Explore salary planning
Negotiating a raise or weighing two offers? The salary-to-hourly calculator converts any salary to an hourly rate (and back), with breakdowns for common salaries and wages to help you read an offer and budget from take-home pay.
Frequently asked questions
What is take-home pay?
Take-home pay is the amount that actually lands in your bank account after taxes and deductions are removed from your gross salary. This estimate subtracts federal income tax, FICA (Social Security and Medicare), a flat state income tax rate you enter, and any pre-tax deductions such as a 401(k) or health premiums.
How much is $60,000 a year after taxes?
It depends on your filing status, state, and pre-tax deductions. As a rough 2026 estimate for a single filer with a 4% flat state tax and no pre-tax deductions, $60,000 gross comes to roughly $48,000 per year, or about $1,846 every two weeks. Enter your own numbers above for a figure tailored to your situation.
Why is my real paycheck different from this estimate?
This is a simplified 2026 estimate. It uses the standard deduction and flat federal brackets and a flat state rate, and it ignores tax credits, local and city taxes, the additional Medicare tax, pre-tax amounts beyond what you enter, and employer-specific withholding. Your actual paycheck and year-end tax return can differ.
Is this tax advice?
No. It is a planning estimate based on the numbers you enter and 2026 figures. Use it as a starting point and confirm specifics with a tax professional or the IRS withholding estimator.