Take-Home Pay • Federal + State • 2026
Calculate Your Net Salary After All Taxes
Know exactly what hits your bank account after federal income tax, FICA (Social Security + Medicare), and state taxes.
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| Federal income tax | — |
| State income tax | — |
| Social Security | — |
| Medicare | — |
| Total taxes | — |
| Monthly take-home | — |
US State Calculators
Pick your state for a dedicated calculator with scenario analysis, FAQ, and PDF export.
Compare States at a Glance
Tax structures vary dramatically across the US. At $90,000 gross income (Single), your annual take-home ranges from ~$67,700 in Arizona to ~$63,500 in a high-tax progressive state. That's a $4,200/year difference — or $350/month in your pocket.
Our state pages include detailed breakdowns showing exactly where each dollar goes: federal brackets, FICA components, state tax, and local levies (like Denver's OPT or NYC's city tax).
| State | State Tax Model | Take-Home @ $90K |
|---|---|---|
| Nevada | No state tax | $69,950 |
| Wyoming | No state tax | $69,950 |
| Arizona | Flat 2.5% | $67,700 |
| Colorado | Flat 4.4% + FAMLI | $66,100 |
| Utah | Flat 4.55% | $66,250 |
| Idaho | Flat 5.8% | $65,400 |
| Kansas | 5.2%/5.58% | $65,550 |
| New Mexico | Progressive 1.5%–5.9% | $66,000 |
Specialized Paycheck Calculators
Tools for specific financial decisions beyond basic salary calculations.
A 6% 401(k) contribution doesn't reduce your paycheck by 6%. At a 22% federal tax bracket, it costs roughly 4.7% of your gross salary in actual take-home pay. The rest is tax savings you'd otherwise owe to the IRS.
Understanding Your Paycheck: The Tax Stack
Federal Income Tax (2026)
The US uses seven progressive brackets ranging from 10% to 37%. Your marginal rate (the rate on your last dollar) differs from your effective rate (total tax ÷ income). At $90,000 gross with standard deduction, a Single filer's taxable income is ~$73,900, placing them in the 22% bracket — but their effective federal rate is closer to 12%.
Standard deductions for 2026: $16,100 (Single) and $32,200 (Married Filing Jointly). These reduce taxable income dollar-for-dollar.
FICA: Social Security + Medicare
Social Security takes 6.2% of wages up to the wage base cap ($176,100 in 2025, $184,500 in 2026). Medicare takes 1.45% on all wages — plus an Additional Medicare Tax of 0.9% on earnings above $200,000 (Single) or $250,000 (MFJ).
At $90,000 annual salary, FICA totals ~$6,885: $5,580 for SS and $1,305 for Medicare. This is a fixed cost that doesn't depend on deductions.
State Income Tax
Nine states have no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Among states with income tax, structures vary from flat rates (Arizona 2.5%, Colorado 4.4%, Utah 4.55%) to steep progressive systems (California tops at 13.3%).
Our state calculators model each system accurately, including state-specific standard deductions and exemptions that differ from federal rules.
Local Taxes & Special Levies
Some cities impose additional taxes: New York City's income tax can reach 3.876%, Denver charges an Occupational Privilege Tax ($5.75/month), and Colorado's FAMLI adds 0.44% for paid family leave. These affect take-home pay but are often overlooked.
Select your state above for a calculator that accounts for these local factors where applicable.
Key Decisions These Calculators Help With
Evaluating a Job Offer
A $120K offer in Denver vs $110K in Austin — which puts more money in your pocket? Run both through our calculators. Colorado's 4.4% + FAMLI vs Texas's 0% state tax changes the math. Add housing costs and you get a complete picture.
Negotiating a Raise
If your salary increases from $80K to $95K, how much of that $15K do you actually keep? At federal 22% + state 4.5% + FICA 7.65%, your marginal rate is ~34%. The $15K raise yields roughly $9,900 extra take-home — still worth it, but good to know.
Optimizing Pre-Tax Contributions
Contributing to a 401(k) or HSA reduces taxable income. At a 34% combined marginal rate, every $1,000 into your 401(k) costs you only $660 out of pocket. Use the pre-tax field above to model this directly.
Relocation Planning
Moving from California (top rate 13.3%) to Nevada (0%) can save $10,000+/year on a $150K salary. But what about Social Security caps and Medicare thresholds? Our state comparison tables help quantify the full impact.
About These Calculators
TakeHomePayCalculators.com provides free US salary calculators by state and city. Each calculator uses current tax brackets, standard deductions, and payroll tax rates to estimate your net income after all deductions.
We update our data annually when new IRS revenue procedures and state tax changes are published. For 2026, we've incorporated the latest federal bracket adjustments, Social Security wage base increases, and any state-level rate changes.
These calculators are designed for educational purposes and quick estimates. For tax filing, consult a qualified tax professional or use official resources like IRS.gov.