Tool 571 · 2026 U.S. employee estimate
US Net Salary Calculator
Estimate annual and per-pay take-home with the official 2026 federal income-tax brackets, standard deduction, Social Security and Medicare rules. Model payroll deductions, state/local estimates and a competing job offer without sending salary data anywhere.
Planning estimate, not payroll or tax-filing software. Federal liability is annualized and simplified; actual withholding can differ because Form W-4 elections, credits, special deductions, multiple jobs, state rules and employer payroll treatment vary.
Real 2026 federal rulesSeven progressive brackets, 2026 standard deductions, $184,500 Social Security wage base and Medicare rules.
Payroll-aware deductionsSeparate deductions that reduce federal income tax only from cafeteria-plan items that can also reduce FICA wages.
Offer comparisonSee the estimated after-tax value of a competing salary—not just the headline gross increase.
Private by designAll calculations and saved scenarios stay in this browser. No account, upload or analytics request.
Your take-home estimate
2026 federal income tax + employee FICA · annualized liability estimate
Estimated annual net—— of gross
Take-home / selected pay—biweekly
Total taxes—— effective tax rate
Federal marginal bracket—— taxable income
Where the annual gross goes
| Gross wages | — |
| Federal taxable income | — |
| Federal income tax after entered credits | — |
| Social Security | — |
| Medicare + Additional Medicare | — |
| State/local estimate | — |
| Pre-tax payroll deductions | — |
| Post-tax deductions | — |
| Estimated net pay | — |
Pay-period view
| Item | Per pay |
|---|
Offer comparison
Current estimated net—
Offer estimated netEnter an offer
Accuracy & diagnostics
2026 federal rules used by this calculator
Standard deduction: Single/MFS $16,100 · Married filing jointly $32,200 · Head of household $24,150.
Federal marginal rates: 10%, 12%, 22%, 24%, 32%, 35%, 37%, using 2026 IRS taxable-income thresholds.
Social Security: employee rate 6.2% on covered wages up to $184,500 in 2026.
Medicare: 1.45% on covered wages, plus 0.9% Additional Medicare Tax above the filing-status threshold used for annual liability ($250,000 MFJ; $125,000 MFS; $200,000 otherwise).
Contribution checks: 2026 401(k)-type elective deferral $24,500 before applicable catch-up rules; HSA $4,400 self-only / $8,750 family before applicable catch-up.
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