After-Tax Income Calculator
Calculate your take-home pay after federal, state, and FICA taxes. Enter your salary to see an estimate on how much money you'll receive in your paycheck.
Tax Breakdown
How It Works
Understanding your income after tax is essential for budgeting, financial planning, and evaluating job offers. Our after tax income calculator uses the latest 2026 federal tax brackets and state tax rates to help you accurately calculate net salary from your gross earnings.
How This Take Home Pay Calculator Works
This net income calculator converts your gross annual salary into actual take-home pay by applying all relevant tax deductions. Whether you're using this as a gross to net calculator for a new job offer or to plan your monthly budget, here's what gets deducted:
- Federal income tax: Calculated using 2026 progressive tax brackets based on your filing status
- State income tax: Applied based on your selected state's flat or average rate
- Social security tax: 6.2% on income up to $168,600 (2026 wage base)
- Medicare tax: 1.45% on all wages (additional 0.9% for high earners not included)
- Pre-tax deductions: 401(k) contributions reduce your taxable income before calculations
Understanding Your Net Salary Results
This salary calculator after taxes provides your annual, monthly, and bi-weekly take-home pay figures, giving you a complete picture of your post tax income. The detailed breakdown shows exactly where your money goes, while the effective tax rate reveals the actual percentage of your gross income paid in taxes—typically lower than your marginal bracket. Use this salary take home calculator to compare job offers, plan for major purchases, or simply understand how much of your paycheck you'll actually receive.
About This Calculator
We built this after tax income calculator to help employees, freelancers, and job seekers quickly determine their true earning potential. Whether you need to calculate net salary for a new position, compare compensation packages, or budget your monthly expenses, our take home pay calculator delivers accurate results in seconds.
Why Use a Net Income Calculator?
Your gross salary doesn't tell the full story. A salary calculator after taxes reveals your actual income after tax, the money that lands in your bank account. This gross to net calculator accounts for federal taxes, state taxes, and FICA contributions to show your real post tax income.
Important Notes:
- This salary take home calculator provides estimates based on 2026 tax rates and may not reflect your exact tax situation
- Additional factors like itemized deductions, tax credits, and local taxes are not included in this net income calculator
- Self-employed individuals pay an additional 7.65% in self-employment tax (employer's share of FICA)
- High earners may be subject to Additional Medicare Tax (0.9%) and Net Investment Income Tax (3.8%)
While this post tax income calculator provides reliable estimates, consult with a qualified tax professional or CPA for personalized advice on your complete financial situation.
FAQ
What is after-tax income?
After-tax income, also called net income or take-home pay, is the actual amount you receive after all federal, state, and local taxes are deducted from your gross salary. Use an after tax income calculator to quickly determine your income after tax, including deductions for income tax, Social Security, and Medicare.
What are FICA taxes?
FICA stands for the Federal Insurance Contributions Act. It includes Social Security tax (6.2% on income up to $168,600 in 2026) and Medicare tax (1.45% on all income). These taxes fund Social Security benefits and Medicare healthcare coverage for retirees and disabled individuals.
How do 401(k) contributions affect my taxes?
Traditional 401(k) contributions are made with pre-tax dollars, meaning they reduce your taxable income for the year. For example, if you earn $75,000 and contribute $10,000 to your 401(k), you're only taxed on $65,000. This can significantly lower your tax bill while helping you save for retirement.
Why does my state matter for tax calculations?
States have varying income tax rates, from 0% (in states like Texas, Florida, and Washington) to over 13% (in California for high earners). Your state tax significantly impacts your total tax burden and take-home pay. Some states also have local income taxes that further affect your net income.
What's the difference between marginal and effective tax rate?
Your marginal tax rate applies to your last dollar of income (highest bracket), while your effective rate is the actual percentage of total income paid in taxes. A net income calculator shows that due to progressive taxation, your effective rate is always lower than your marginal rate. This take home pay calculator displays your effective rate to help you understand your true post tax income.
How accurate is this take home pay calculator?
This salary take home calculator provides highly accurate estimates based on 2026 federal tax brackets, state tax rates, and FICA calculations. However, to calculate net salary with 100% precision, you'd need to account for individual factors like itemized deductions, tax credits, and local taxes. For most users, this after tax income calculator gives a reliable picture of income after tax for budgeting and planning purposes.