US Take-Home Pay Estimator 2026
Model federal income tax, FICA, and a simplified state-income-tax scenario for any state.
Quick answer
US Take-Home Pay Estimator 2026 helps estimate the result from your inputs in the browser. Use the output as a planning number, then compare it with your records, provider terms, or official guidance before making a final decision.
Educational estimate. State logic omits local taxes, many credits, phaseouts, special deductions, payroll programs, and filing details. Confirm material decisions with official state instructions.
Calculator
Results update as you type
2026 tax year · Single-filer state brackets (federal supports married filing jointly) · Local city/county taxes not included · Verified 2026-07-09
Take-home pay (per year)
You keep 82.1% of gross pay. Texas levies no state income tax on wages, so only federal tax and FICA apply.
Gross $75,000.00 split for 2026 in Texas.
Breakdown
Formula
The math behind the result
take-home = gross − federal tax − FICA − state tax
Federal: IRS 2026 brackets. FICA: Social Security and Medicare wage taxes. State: simplified 2026 tables; local and many state-specific adjustments are excluded.
How it works
A clean flow from input to answer
- 1Enter your annual gross salary and pick your state.
- 2Add pre-tax 401(k) contributions and your filing status.
- 3Compare the ranked $75,000 table below to see how your state stacks up nationally.
FAQ
Common questions
Which states have no income tax in 2026?
Nine states levy no state income tax on wages in 2026: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. In those states only federal tax and FICA reduce your paycheck.
How is take-home pay calculated?
The tool subtracts modeled federal income tax, FICA, and a simplified state income-tax estimate from gross salary. It is not a payroll withholding engine or tax-return calculation.
Is this the 2026 tax year?
Yes. Federal figures come from IRS 2026 adjustments, the Social Security wage base from the SSA, and state parameters from published 2026 rate tables checked July 9, 2026.
Are local city or county taxes included?
No. Local income taxes are excluded. Some state payroll programs and state-specific adjustments are also outside the model.
Does it handle married filing jointly?
The federal calculation supports married filing jointly. State calculations still use modeled single-filer parameters, so the state portion is not suitable for a joint-return estimate.
Is my salary data stored anywhere?
No. Everything is computed in your browser. Nothing you type is sent to a server.
Verification
Official sources, limits, and fixtures
Verified 2026-07-09
Sources
Current limits
- State calculations use simplified single-filer parameters even when the federal filing status is joint.
- Local taxes, many credits, phaseouts, payroll programs, withholding tables, and state-specific adjustments are excluded.
Known fixtures
No-tax state identity
gross=85000 state=TX pre-tax=0
Expected: state income tax=0
Federal Social Security cap
wages above 184500
Expected: 6.2% component capped at 184500
2026 reference table
Simplified $75,000 salary scenario by state
Single filer, no pre-tax deductions or local taxes. Credits and many state-specific adjustments are excluded.
| # | State | Take-home on $75,000 |
|---|---|---|
| 1 | Alaskano state tax | $61,592.50 |
| 2 | Floridano state tax | $61,592.50 |
| 3 | Nevadano state tax | $61,592.50 |
| 4 | New Hampshireno state tax | $61,592.50 |
| 5 | South Dakotano state tax | $61,592.50 |
| 6 | Tennesseeno state tax | $61,592.50 |
| 7 | Texasno state tax | $61,592.50 |
| 8 | Washingtonno state tax | $61,592.50 |
| 9 | Wyomingno state tax | $61,592.50 |
| 10 | North Dakota | $61,389.21 |
| 11 | Ohio | $60,312.37 |
| 12 | Arizona | $60,220.00 |
| 13 | Louisiana | $59,728.75 |
| 14 | Indiana | $59,409.50 |
| 15 | Rhode Island | $59,396.87 |
| 16 | Iowa | $59,394.30 |
| 17 | Pennsylvania | $59,290.00 |
| 18 | New Mexico | $59,233.20 |
| 19 | Utah | $59,183.50 |
| 20 | North Carolina | $59,108.72 |
| 21 | Vermont | $59,102.70 |
| 22 | Kentucky | $59,085.10 |
| 23 | Nebraska | $59,059.54 |
| 24 | Connecticut | $59,042.50 |
| 25 | Colorado | $59,000.90 |
| 26 | Missouri | $59,000.14 |
| 27 | Wisconsin | $58,998.02 |
| 28 | New Jersey | $58,994.80 |
| 29 | Mississippi | $58,924.50 |
| 30 | West Virginia | $58,912.40 |
| 31 | Arkansas | $58,880.23 |
| 32 | California | $58,804.65 |
| 33 | Oklahoma | $58,763.00 |
| 34 | Montana | $58,715.90 |
| 35 | Michigan | $58,655.75 |
| 36 | Idaho | $58,470.80 |
| 37 | Maryland | $58,393.62 |
| 38 | Georgia | $58,322.80 |
| 39 | South Carolina | $58,249.60 |
| 40 | Kansas | $58,207.19 |
| 41 | Washington, D.C. | $58,164.00 |
| 42 | New York | $58,139.50 |
| 43 | Alabama | $58,107.50 |
| 44 | Virginia | $58,094.10 |
| 45 | Massachusetts | $58,062.50 |
| 46 | Illinois | $58,024.79 |
| 47 | Minnesota | $58,015.89 |
| 48 | Delaware | $57,983.50 |
| 49 | Maine | $57,711.67 |
| 50 | Hawaii | $57,422.64 |
| 51 | Oregon | $55,859.62 |