Your real paycheck after federal, FICA, state, and local taxes, across all states.
Covers: paycheck, net pay, salary, withholding, fica, state tax.
Open the Take-Home Pay tool →Your take-home is your gross pay minus four things: federal income tax (the standard deduction, then the IRS bracket schedule), FICA (Social Security at 6.2% up to the annual wage base, plus Medicare at 1.45%, and a 0.9% Additional Medicare surtax on high earners), your state income tax, and any local tax that applies.
The effective rate is your total tax divided by gross income; the marginal rate is the bracket your next dollar lands in. Every line links the IRS or state source it came from.
We compute on the standard deduction, which is what about nine in ten filers take. If you itemize, the Federal Income Tax tool asks for the 'big four' and makes the comparison properly — this one does not ask for them, so it does not pretend to.
If you or your spouse are 65 or over we apply IRC §151(d)(5)(C): $6,000 each, phasing out by 6% of income over $75,000, or $150,000 on a joint return. A married filer gets it only on a joint return.
Tell us how much of your pay was tips or an overtime premium and we apply §224 and §225: up to $25,000 of tips and $12,500 of overtime — $25,000 on a joint return — each falling by $100 for every whole $1,000 of income over $150,000, or $300,000 jointly, and neither available to a married filer except on a joint return. These reduce income tax only: Social Security and Medicare are still owed on every one of those dollars. What counts is narrower than it sounds — cash tips in an occupation the Treasury lists, and the premium half of overtime the Fair Labor Standards Act requires — so treat the figure as a ceiling.
Two other 2026 deductions are not modeled here, so if one applies to you your real tax is lower than this: $1,000 of cash giving without itemizing, $2,000 jointly (§170(p)), and up to $10,000 of car loan interest (§163(h)(4)). The Federal Income Tax tool asks for both and applies them.
In Idaho, Iowa, Montana, and North Dakota these federal deductions lower your state tax as well, because those states start from your federal taxable income — the deduction is already inside the number they begin with. Two more start there and add back exactly one deduction each: Colorado the overtime deduction, Oregon the car loan interest. Everywhere else your state begins from adjusted gross income, so these change your federal tax only.
Free forever, with no account and no ads. Computed entirely on your device for U.S. taxes and benefits — nothing is ever sent anywhere. Educational information, not financial, tax, investment, or legal advice.