Salary Tax Calculator

A salary tax calculator estimates how much of your gross salary is taken by taxes and what your net take-home pay is. This calculator applies 2026 federal income tax brackets, Social Security and Medicare (FICA), and the income tax rules for whichever US state you select — so you can see your after-tax salary in seconds.

Your salary tax is the sum of federal income tax (based on progressive brackets and your filing status), state income tax (which varies from 0% in states like Texas and Florida to over 13% at the top in California), and FICA — Social Security (6.2% up to the annual wage base) and Medicare (1.45%, plus 0.9% more on high earners). Pre-tax deductions like 401(k) and HSA contributions lower your taxable income first.

Nine states levy no tax on wage income: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. In those states your only income-based withholding is federal income tax plus FICA — so take-home pay on the same gross salary is noticeably higher than in a high-tax state.

Gross salary is the full figure on your job offer, before anything is withheld. Net or take-home salary is what actually lands in your bank account after federal tax, state tax, Social Security, Medicare, and any pre-tax deductions are removed. This calculator shows both, plus your effective tax rate.

No. To keep estimates accurate across all states, this tool computes federal income tax, state income tax, and FICA only. Some states also withhold employee contributions for disability insurance, paid family leave, or long-term care (for example California SDI, Washington WA Cares, and New Jersey and New York leave funds). Those vary by wage base and are flagged in the note under the state you select.

It uses finalized 2026 federal brackets, the 2026 Social Security wage base, and the latest published state income tax rates. It is designed for salaried employees taking the standard deduction. Your actual withholding can differ based on your W-4 elections, local city taxes, itemized deductions, credits, and additional income — so treat the result as a well-informed estimate, not tax advice.

The most common lever is pre-tax contributions — money you put into a 401(k), HSA, or FSA is deducted before federal and (in most states) state income tax is calculated, lowering your taxable income. Enter those amounts in the Pre-Tax Deductions field to see the effect on your net pay.