Salary after tax — 2026 federal, FICA & state income tax, per paycheck & per year.
This calculator turns a gross annual salary into your estimated net take-home pay — what actually lands in your bank account — both per paycheck and per year. It subtracts federal income tax (2026 marginal brackets, with the OBBBA standard deduction), Social Security (6.2% up to the $184,500 wage base), Medicare (1.45% plus the 0.9% Additional Medicare Tax over the threshold), state income tax, and your pre-tax 401(k) and benefit deductions. It can also show a side-by-side comparison of the same salary in a second state — the classic "Texas vs California" relocation check. Everything runs privately in your browser; nothing is sent to a server.
A single filer earning $90,000, no pre-tax deductions, taking the standard deduction, paid bi-weekly (26 checks):
Gross salary $90,000
Federal taxable income $73,900 (90,000 − 16,100 standard deduction)
Federal income tax ≈ $10,970
Social Security (6.2%) $5,580 (under the $184,500 cap)
Medicare (1.45%) $1,305
State income tax — Texas $0 (no state income tax)
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Net take-home (Texas) ≈ $72,145 / yr → ≈ $2,775 per bi-weekly check
You keep ≈ 80.2% of your gross.
Same salary in California:
CA state income tax ≈ $4,397
Net take-home (California) ≈ $67,748 / yr → ≈ $2,606 per bi-weekly check
Relocating TX → CA costs ≈ $4,400/yr (≈ $169 per paycheck).Figures are rounded estimates for illustration; the live calculator shows precise numbers for your exact inputs.
This is the single biggest source of take-home-pay errors. A traditional 401(k) contribution lowers your income-tax wages but not your Social Security and Medicare wages — you still pay 7.65% FICA on it. A Section 125 deduction (most health, dental and vision premiums, plus HSA and FSA) lowers both your income-tax wages and your FICA wages. This tool keeps the two bases separate, so the FICA line stays correct.
The effective tax rate is your total tax (federal + state + Social Security + Medicare) divided by gross — a blended average. Your marginal federal rate is the bracket your last dollar lands in. Being "in the 22% bracket" does not mean you pay 22% of everything — only the slice of income inside that bracket is taxed at 22%. We show both, separately, so you don't conflate them.
Disclaimer: Estimates for educational purposes only. Not tax advice. State and federal rates change annually — verify with the IRS and your state tax authority.
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Start with your gross annual salary, subtract any pre-tax deductions (traditional 401(k), health premiums, HSA), then subtract federal income tax, Social Security (6.2% up to the wage base), Medicare (1.45%), and state income tax. What's left is your net take-home pay. Divide by your number of paychecks to get per-paycheck pay. This calculator does all of that automatically.
It depends heavily on your state. A single filer earning $90,000 with no deductions keeps roughly $69,000 to $70,000 in a no-income-tax state like Texas, but closer to $65,000 to $66,000 in California after state income tax. Federal income tax and FICA (7.65%) are the same everywhere; the state line is what swings the result.
Texas, Florida, Washington, Nevada, and five other states have no state income tax, so you keep the entire amount that would otherwise go to your state. California's top marginal rate reaches 13.3%, meaning a high earner can pay thousands more per year. Federal tax and FICA are identical in both states — only the state income tax row differs.
No. A traditional 401(k) reduces your federal and state income-tax wages but NOT your FICA (Social Security and Medicare) wages — you still pay 7.65% on that money. Health, dental, vision premiums, HSA and FSA contributions (Section 125 plans) DO reduce FICA wages too. This is the single most common payroll-math mistake, and this calculator handles both correctly.
Not exactly. This tool estimates your annual tax LIABILITY and divides it into pay periods. Your employer's actual per-paycheck withholding follows the IRS Publication 15-T method based on your W-4 and can differ; you reconcile the difference at tax time as a refund or balance due.
No. Your marginal rate is only the rate on your last dollar — the top bracket your income reaches. Your effective rate (total tax divided by gross) is what you actually pay overall, and it's always lower than your marginal rate because earlier dollars are taxed at lower bracket rates.
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