Take-Home Pay Calculator
Your salary and your paycheck are different numbers. This estimator shows what actually lands in your bank account after federal income tax, Social Security, Medicare, state tax, and your 401(k) contribution.
How this calculator works
The estimator subtracts your 401(k) contribution from gross pay, then the 2026 standard deduction ($16,100 single / $32,200 married) to reach taxable income, and applies the 2026 federal brackets. It adds FICA (6.2% Social Security plus 1.45% Medicare, up to the $184,500 wage base) and an estimated state tax at the flat rate you enter. Nine states have no income tax; others range up to about 14%. Results are monthly estimates — actual paychecks vary with pre-tax benefits like health insurance premiums.
Frequently asked questions
Why is my paycheck less than my salary divided by 12?
Withholdings cover federal income tax, Social Security and Medicare (FICA), state tax, and any pre-tax deductions like health insurance and 401(k). Together they typically take 20–35% of gross pay depending on your bracket and state.
How accurate is this estimator?
It is accurate for federal tax and FICA using 2026 rules, but state taxes vary by state structure (flat vs brackets) and health insurance and other pre-tax benefits are not included. Treat it as a planning estimate within a few percent.
Do 401(k) contributions really lower my tax?
Yes — traditional 401(k) contributions come out before tax, reducing your taxable income dollar for dollar. A 6% contribution on a $90,000 salary lowers taxable income by $5,400, saving roughly $1,200 in federal tax at the 22% bracket.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.