US Paycheck Calculator (2026)
Income & TaxGross to net for the US, with 2026 federal brackets, the standard deduction, and FICA prefilled.
$4,533.96
12 payments per year
$54,408
From $65,000 gross
16.3%
Of your gross salary withheld
19.7%
On the next unit you earn
From gross to net
- Gross and net pay
- Deductions
Waterfall chart from gross annual salary to net annual pay, stepping down through social contributions, income tax, and other withholdings, with tax credits stepping back up.
Annual and per-payment breakdown
| Item | Annual | Per payment |
|---|---|---|
| Gross salary | $65,000.00 | $5,416.67 |
| Social contributions | $4,972.50 | $414.38 |
| Allowance | $16,100.00 | $1,341.67 |
| Taxable income | $48,900.00 | $4,075.00 |
| Tax before credits | $5,620.00 | $468.33 |
| Credits applied | $0.00 | $0.00 |
| Other withholdings | $0.00 | $0.00 |
| Net pay | $54,407.50 | $4,533.96 |
What this preset simplifies
- Only federal income tax is modeled. State and local income tax are excluded, since they vary by state and several states charge no income tax at all.
- Brackets, the standard deduction, and FICA thresholds assume a single filer. Married filing jointly, married filing separately, and head of household use different tables not modeled here.
- No tax credits are modeled. The Earned Income Tax Credit, the Child Tax Credit, and any other federal credit are out of scope.
- Pre-tax benefits and retirement deferrals, such as a 401(k) or HSA contribution, are not modeled. They would lower federal taxable wages while leaving FICA wages unchanged.
- Net pay is split equally across the payments per year. Real payroll withholds using IRS withholding tables per pay period, which do not divide the annual net evenly.
Sources
How this calculator works
This calculator prefills the take-home salary tool with the United States' 2026 federal tax year: the seven federal brackets from 10% to 37%, the single-filer standard deduction of 16,100 USD, and the FICA employee share, 6.2% Social Security up to the 184,500 USD wage base plus 1.45% Medicare on all wages, with the 0.9% Additional Medicare Tax above 200,000 USD. FICA is withheld on gross pay and, unlike Italy's INPS, never reduces federal taxable wages. The default splits net pay across 12 monthly payments. Every prefilled figure stays editable, so you can adjust it to your own paycheck.
This preset covers federal tax only. State and local income tax are not modeled: rates run from zero, several states charge none, to over 13%, so entering your own state's withholding in the surtax field is the only way to see it here. The brackets and standard deduction assume a single filer; married filing jointly, married filing separately, and head of household use different tables that are not included. No tax credit is modeled, so the Earned Income Tax Credit and the Child Tax Credit are out of scope, and pre-tax benefits or retirement deferrals such as a 401(k) or an HSA are not represented either.
One more note on payments and reliability. Twelve monthly payments is the standard assumption here, but biweekly and semimonthly cycles are common too; the annual net is the reliable figure regardless of how a real paycheck splits it, since IRS withholding tables do not divide it perfectly evenly. Because this preset simplifies filing status, state tax, and credits, verify the result against a recent pay stub or ask a tax professional before relying on it for anything binding.
See the generic calculator All United States tools
Frequently asked questions
Which tax year and rates does this calculator use?
Tax year 2026, following IRS Rev. Proc. 2025-32. Federal income tax runs through seven brackets, 10%, 12%, 22%, 24%, 32%, 35%, and 37%, with a 16,100 USD standard deduction for a single filer. FICA is 6.2% Social Security up to the 184,500 USD wage base and 1.45% Medicare on all wages, plus a 0.9% Additional Medicare Tax above 200,000 USD. All figures and their sources are listed under the calculator, and this page is refreshed every year the IRS and the Social Security Administration update them.
What does this calculator leave out?
Four things. State and local income tax, since rates and rules vary by state and several states charge none. Any filing status other than single: married filing jointly, married filing separately, and head of household use different brackets and deductions. Tax credits: the Earned Income Tax Credit, the Child Tax Credit, and any other federal credit are not modeled. And pre-tax deferrals: a 401(k), HSA, or similar contribution would lower your federal taxable wages in a real paycheck but is not represented here.
Does this include my state's income tax?
No. Federal tax and FICA only. Several states charge no wage income tax at all, among them Texas, Florida, and Washington, while the rest range up to over 13%. Enter your own state's effective rate in the surtax field under advanced options if you want to approximate it, since this calculator does not ship any state's table.
Why is FICA not deducted from my taxable income?
Because federal law does not allow it. FICA, Social Security and Medicare, is a payroll tax imposed separately from federal income tax under a different section of the tax code; it is withheld from gross pay but never reduces the wages the federal brackets tax. This is the opposite of Italy's INPS, which is deductible, so the calculator's 'contributions are deductible' toggle defaults to off here.
What is the Additional Medicare Tax?
A 0.9% Medicare surtax on wages above 200,000 USD for a single filer, on top of the regular 1.45% Medicare tax that applies to every dollar of pay. Unlike the Social Security wage base, this threshold is set by statute and has not been adjusted for inflation since it took effect in 2013.
Is this financial or tax advice?
No. It is an educational simulation of the 2026 federal payroll rules, built from IRS and Social Security Administration sources listed under the calculator, and it will not match every paycheck exactly for the reasons above. For a figure you can rely on, check a recent pay stub or ask a tax professional.
These calculators are for educational purposes only and are not financial advice. Always consult a qualified financial advisor, mortgage professional, or your bank before making a commitment.
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