About TakeHomePay USA

TakeHomePay USA is a free tool that answers a simple question: how much of your salary do you actually keep? Enter your gross pay and state, and we estimate your 2026 take-home pay after federal income tax, state income tax, and FICA (Social Security + Medicare).

How we calculate

Our calculator applies the official 2026 federal marginal tax brackets and standard deduction for your filing status, then your state's 2026 income tax rates, then Social Security (6.2% up to the annual wage cap) and Medicare taxes. Results are estimates — they don't include pre-tax deductions like 401(k) contributions or health insurance premiums, local or city taxes, or tax credits.

Why state matters

Nine states impose no income tax on wages, while others tax top earners at rates above 10%. On the same salary, where you live can be worth thousands of dollars a year. Our Salary Showdown ranks all 50 states for any salary so you can see the difference instantly.

Not tax advice

TakeHomePay USA provides estimates for educational purposes only and is not tax, legal, or financial advice. For decisions about moving, withholding, or filing, consult a qualified tax professional. Tax figures are sourced from the IRS and state revenue departments and updated for the 2026 tax year.