Take Home Pay Calculator
Tax Year 2026Calculate your actual salary after taxes for any US state. Includes 2026 federal and state tax brackets, Social Security, Medicare, and retirement contributions.
Supports 22 states including California, New York, Texas, Florida, Washington, and more.
Income Details
Enter your annual gross salary and tax information
$
Contributions
Adjust your retirement and savings contributions
Retirement & Savings Contributions
Pre-tax (reduces taxable income)
$0
Max
$0$24,000 limit
Post-tax (no tax benefit now)
$0
Max
$0$7,000 limit
Pre-tax (reduces taxable income)
$0
Max
$0$4,400 limit
Take-Home Pay
$72,538
$72,537.51 per year
Effective Tax Rate27.5%
Breakdown
Gross Salary$100,000
Federal Taxes
Federal Income Tax
13.4%-$13,382
Social Security
6.2%-$6,200
Medicare
1.5%-$1,450
California Taxes
State Income Tax
5.2%-$5,230
State Disability Insurance
1.2%-$1,200
Total Taxes
27.5%-$27,462
Net Salary$72,538
How Your Take Home Pay Is Calculated
Your take home pay (also called net pay) is your gross salary minus all tax withholdings and deductions. This calculator accounts for:
- Federal Income Tax – Progressive tax brackets from 10% to 37%
- State Income Tax – Varies by state (0% to 13.3%)
- Social Security – 6.2% up to $181,200 wage base
- Medicare – 1.45% (plus 0.9% above $200k)
- State Disability Insurance – Required in CA, NY, NJ, and others
- Pre-tax Deductions – 401(k) and HSA contributions reduce taxable income