Take-Home Pay Calculator 2026

See exactly what you keep after federal, state, FICA, and city taxes. All 50 US states + DC. Local tax for NYC, Philadelphia, Detroit, Cleveland, Kansas City.

Quick Answer

CVCraft's take-home pay calculator uses 2026 federal brackets with $14,600 standard deduction (single filer), per-state effective rates for all 50 states + DC, FICA capped at $176,100 SS wage base, and city local taxes (NYC 3.876%, Philadelphia 3.75%, Detroit 2.4%, Cleveland 2.5%, Columbus 2.5%, Baltimore 3.2%, Louisville 2.45%, Kansas City 1%). Returns annual, monthly, biweekly, weekly, and hourly take-home.

Inputs

Annual gross salary

State

City (optional, for local tax)

Annual Take-Home

$86,077

Monthly$7,173

Biweekly$3,311

Weekly$1,655

Hourly (2080 hrs/yr)$41

Effective tax rate28.3%

Tax breakdown on $120,000

Gross salary$120,000

Federal income tax−$18,143

California income tax−$6,600

FICA (Social Security + Medicare)−$9,180

Take-home (net)$86,077

Single filer, standard deduction ($14,600 for 2026), no dependents/401(k)/HSA. Actual take-home varies with deductions and benefits elections.

Take-Home Pay FAQ

How is take-home pay calculated?

Take-home = gross salary − (federal income tax + state income tax + city/local tax + FICA). Federal uses 2026 brackets with $14,600 standard deduction for single filers. State varies — 9 states have no income tax (TX, FL, NV, WA, TN, NH, AK, SD, WY). FICA is 7.65% up to the $176,100 Social Security wage base, then 1.45% Medicare-only above.

Which US states have the lowest taxes?

Zero state income tax: Texas, Florida, Nevada, Washington, Tennessee, New Hampshire, Alaska, South Dakota, Wyoming. Lowest among taxed states: North Dakota (1.8% effective at $100K), Pennsylvania (3.07% flat), Indiana (3.05%), Arizona (~2.5%), Ohio (~2.5%).

Why is my actual paycheck different from this calculator?

This calculator gives the simplest case: single filer, standard deduction, no other adjustments. Your real paycheck differs if you contribute pre-tax to 401(k)/HSA/FSA (lowers federal+state tax), file married filing jointly (different brackets), claim dependents (additional credits), or receive supplemental income taxed at withholding rates.

Is take-home pay the same as net pay?

Yes — take-home, net pay, and "what hits my bank account" are the same thing: gross salary minus all taxes and pre-tax deductions. Some employers also deduct post-tax items (Roth 401(k), garnishments, charitable giving) which further reduce what you actually receive.

How much of my salary goes to taxes in California?

For a single filer earning $100K in California: federal ~13.7%, state ~5.5%, FICA 7.65% = ~26.8% total effective tax. Take-home: ~$73,200 ($6,100/month). NYC adds 3.876% city tax on top, pushing combined to ~30%+ for high-income earners.

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