Take-Home Pay Calculator

How to use Take-Home Pay Calculator

Estimate your 2026 US take-home pay after federal, state, local and FICA taxes by state and filing status.

1. Open Take-Home Pay Calculator on toolpermarket and fill in the inputs the tool asks for.

2. In the Gross annual salary field, enter your pre-tax pay for the year before any deductions. Use the full gross, not your take-home, so the math starts from the right base.

3. In the State field, pick the state the income is earned in; nine have no income tax. If you moved mid-year, run the two periods separately and add them.

4. In the Filing status field, choose single, married joint or head of household. Status changes both federal brackets and the standard deduction.

5. In the Pre-tax deductions field, subtract 401(k), insurance or other pre-tax pay. Lowering this number reduces federal, state and local tax together, like a real paycheck.

6. In the Locality field, pick a city or county with its own income tax when the state shows one. NYC, Yonkers, Maryland counties, Indiana counties and Ohio cities are the big ones.

7. Press Calculate to compute the result. The output appears immediately below the form. Adjust the inputs and recalculate as many times as you need.

8. Read the result and use it as needed. If the number looks off, re-check your inputs and run it again — the math is deterministic, so the same entries always return the same answer.

Worked example. An $80,000 single filer in California with $5,000 pre-tax and no local tax owes about $13,400 federal and $2,420 state, leaving roughly $59,000 after FICA and tax.

Tips for accurate results.

• FICA is separate from income tax and applies even in the nine no-income-tax states.

• Head of household uses the single-state rate table here; it is an estimate, not a certified return.

• This is an annual precise-tax view, not paycheck withholding — per-period numbers differ slightly.

When to use Take-Home Pay Calculator. Comparing take-home across two states before a relocation. Modeling how a 401(k) contribution changes net pay. Sanity-checking that a job offer clears your real living costs.

When you actually reach for this

• Compare take-home pay between two job offers in different states before you sign.
• See how a 401(k) contribution changes your net pay.
• Check whether a raise actually clears your real living costs after tax.

Where this tool stops being accurate

• It estimates annual tax from rates; it is not paycheck withholding, which uses per-period formulas.
• State brackets here are simplified to the main table — credits, itemized deductions and AMT are not modeled.
• Nine states have no income tax; the tool still applies FICA (Social Security + Medicare) everywhere.

A worked example

An $80,000 single filer in California with $5,000 pre-tax 401(k) owes about $13,400 federal and $2,420 state, leaving roughly $59,000 after FICA and tax. The same salary in Texas drops the state piece entirely.

Which tool fits your situation

• If your offer is in a no-income-tax state, compare on total compensation, not gross.
• If you itemize deductions, this estimate understates your refund — run it as a ceiling.

Regional and legal notes

• State income tax ranges from 0% (Florida, Texas, Washington, Nevada, Wyoming, South Dakota, Alaska, New Hampshire, Tennessee) to over 13% (California top bracket).
• Some cities add local tax: NYC and Yonkers in NY, plus many Maryland, Indiana and Ohio localities.

Sources & methodology

Federal brackets, the standard deduction and FICA (Social Security and Medicare) use 2026 IRS and Social Security Administration figures (IRS Revenue Procedure 2025-27; SSA.gov 2026 wage base). State income-tax rates draw on the Tax Foundation State Individual Income Tax Rates and Brackets, 2026. Local city and county income taxes follow each jurisdiction's published rates (NYC and Yonkers, Maryland and Indiana counties, and major Ohio, Pennsylvania, Kentucky, Missouri, Alabama and Michigan cities).

Rates are 2026 and shown for typical filing statuses. This estimate excludes itemized deductions, credits, AMT and withholding timing. Verify with the IRS, SSA and your state Department of Revenue before relying on any figure — this tool is informational, not tax advice.

Frequently asked questions