Tax Year 2026 · Updated 2026
Paycheck tax
calculator, made plain.
Free take-home pay calculator for all 50 US states, all 10 Canadian provinces, and the United Kingdom. Covers federal, state/provincial, and payroll taxes. Calculations run entirely in your browser — nothing is sent to a server.
Pre-Tax Deductions (annual)
$—
Enter your salary to see take-home pay
Next Steps
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How to use this calculator
Enter your gross salary as an annual amount or per paycheck, select your pay frequency, choose your filing status, and pick your state or province. For a more precise result, fill in the pre-tax deductions — 401(k), health insurance, HSA and FSA (US), or RRSP and group benefits (Canada) — to see how each one shifts your net.
How paycheck taxes work in the US
Federal income tax uses progressive brackets — you pay a lower rate on your first dollars and a higher rate only on income above each threshold. In 2026, rates range from 10% (up to $12,400 single) to 37% (above $640,600).
FICA taxes cover Social Security (6.2% on the first $184,500) and Medicare (1.45% on all wages). High earners pay an additional 0.9% Medicare surtax above $200K single / $250K MFJ.
State income tax varies widely — nine states levy none at all, while others use progressive brackets or flat rates.
2026 Federal Income Tax Brackets
| Rate | Single | Married · Joint | Head of Household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,650 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 | $17,651 – $67,400 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 | $67,401 – $105,700 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 | $105,701 – $201,775 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 | $201,776 – $256,225 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 | $256,226 – $640,600 |
| 37% | $640,601+ | $768,701+ | $640,601+ |
Standard deductions (2026): Single $15,750 · MFJ $31,500 · HoH $23,625. SS wage base: $184,500. Source: IRS Rev. Proc. 2025-32.
Frequently Asked Questions
Next Steps
Ready to optimize your taxes?
File your taxes free
File federal and state taxes at no cost with TurboTax Free Edition.
Start for free →Open a tax-advantaged 401(k)
Reduce your taxable income today with Betterment's automated portfolios.
Open account →Compare payroll services
Automated payroll, benefits, and compliance in one place with Gusto.
Compare plans →Get 2026 tax tips in your inbox.
Bracket updates, deduction strategies, and withholding guides — free. No spam.
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