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Estimate your take-home pay after federal income tax, FICA, state tax, 401(k), and health premiums (2026 brackets).
Take-home per Bi-Weekly Paycheck
$2,069
$53,789 / year — 80.1% of gross
Federal Tax
$6,563
FICA (SS + Medicare)
$5,600
State Tax
$2,748
401(k) Saved
$4,500
Effective Rate
19.9%
Marginal Rate
22%
Smart tip
Maxing your 401(k) to the 2026 limit of $23,500 from a $75,000 salary would lower your federal tax bill by roughly $4,180 thanks to pre-tax deferral.
US Paycheck Calculator (Take-Home Pay) calculates take-home pay after federal income tax (2026 IRS brackets), FICA (Social Security + Medicare), state income tax, 401(k) pre-tax deduction, and health insurance premium — for any pay frequency.
US Paycheck Calculator (Take-Home Pay) is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
Federal income tax uses 2026 IRS tax brackets (IRS Rev. Proc. 2025-32) with standard deductions and pre-tax 401(k)/health adjustments. FICA uses 6.2% Social Security (wage base $176,100) and 1.45% Medicare. State tax applies a simplified flat/bracket rate by state. All figures are estimates; actual withholding varies by employer.
Yes — enter your state's flat or effective rate. For no-income-tax states (TX, FL, WA, NV, TN, SD, WY, AK, NH), enter 0%.
2026 IRS federal brackets and the projected 2026 Social Security wage base ($176,100). Standard deductions for 2026 are baked in.
Traditional 401(k) contributions reduce your federal taxable income and FICA-eligible wages, lowering both your income tax and (for the federal portion) tax base. Roth 401(k) does not.
Beyond income tax, FICA takes 7.65% (6.2% Social Security + 1.45% Medicare). Health and 401(k) further reduce gross. This calculator models all of these together.
Calculate your 2026 federal income tax with bracket-by-bracket breakdown.
Project your 401(k) balance at retirement with employer match and salary growth.
Calculate your take-home pay after Federal and State taxes in any US state for 2026.