Finance
Estimate your US take-home pay using 2026 federal tax brackets and FICA — by filing status and pay frequency.
Take-home per paycheck
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Enter your annual salary above
Federal tax
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Social Security
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Medicare
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Annual take-home
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Uses 2026 federal tax brackets, the 2026 standard deduction, and current FICA rates (Social Security 6.2% up to the $184,500 wage base, Medicare 1.45% plus 0.9% over $200,000/$250,000). Does not include state or local income tax, which varies by state — your actual take-home will differ if your state taxes income. Not tax advice.
A single filer earning $75,000/year has taxable income of $58,900 after the $16,100 standard deduction. Federal tax comes to about $7,747. Social Security takes 6.2% of the full $75,000 ($4,650), and Medicare takes 1.45% ($1,087.50) — for total FICA of $5,737.50. Net annual take-home lands around $61,515, or about $2,366 per biweekly paycheck.
Because federal tax brackets are progressive and FICA has its own separate rates and caps, the share of your paycheck that goes to taxes isn't a single flat percentage — it changes as your income moves through different brackets, and Social Security specifically stops being withheld once you cross the annual wage base. Two people earning $60,000 and $600,000 don't lose the same percentage to taxes, which is exactly why a bracket-aware calculator gives a meaningfully different (and more accurate) answer than a flat-rate estimate.
2026 federal income tax (using the current brackets and standard deduction for your filing status) plus FICA — Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%, plus an extra 0.9% on income over $200,000/$250,000).
State income tax rules vary enormously — nine states have no income tax at all, while others have their own bracket structures entirely. Modeling all 50 states accurately would require maintaining 50 separate, frequently-changing tax systems, so this calculator focuses on the federal + FICA portion that applies everywhere, and you'll need to add your state's tax separately if it has one.
Your real paycheck may also subtract things this calculator doesn't model — 401(k) contributions, health insurance premiums, HSA contributions, or state/local tax — all of which reduce your actual take-home further. Use this as a federal-tax baseline, not a complete payslip replacement.
Biweekly means every two weeks (26 paychecks/year); semimonthly means twice a month, typically the 15th and last day (24 paychecks/year). They sound similar but produce a different per-paycheck amount for the same annual salary.