Paycheck Calculator — Calculate Your US Take-Home Pay
Free US paycheck calculator. Calculate your take-home pay after federal tax state tax Social Security Medicare and other deductions for 2026.
Understanding your actual take-home pay in the United States requires accounting for multiple deductions: federal income tax state income tax Social Security tax (6.2%) Medicare tax (1.45%) and potentially local taxes. Your W-4 form selections affect how much is withheld from each paycheck. Our calculator gives you the complete breakdown so you know exactly what to expect in your bank account.
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Key Information
| Parameter | Details |
|---|---|
| Federal Tax Brackets (2026) | 10%, 12%, 22%, 24%, 32%, 35%, 37% |
| Social Security Tax | 6.2% (up to $168600) |
| Medicare Tax | 1.45% (+ 0.9% above $200000) |
| Standard Deduction (Single) | $15700 |
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Use Calculator NowFrequently Asked Questions
What is take-home pay on $80000 salary?
On an $80000 annual salary filing single in a state with no income tax (like Texas or Florida) your approximate take-home is $62000 per year or $5167 monthly. Federal tax takes about $10300 Social Security $4960 and Medicare $1160. In a state with income tax like California or New York take-home drops to $56000-58000.
How much is Social Security tax?
Social Security tax is 6.2% of your gross wages up to $168600 in 2026. Your employer pays a matching 6.2%. This means total Social Security tax is 12.4% of your wages split equally. Self-employed individuals pay the full 12.4% themselves. Earnings above $168600 are not subject to Social Security tax though Medicare has no cap.
Should I adjust my W-4 withholding?
If you consistently get a large tax refund (over $1000) you are having too much withheld meaning you gave the government an interest-free loan. Adjust your W-4 to reduce withholding and get more in each paycheck. Conversely if you owe tax at filing increase your withholding or make quarterly estimated payments to avoid penalties.
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Last updated: 24 March 2026