After-Tax Income Calculator 2026
See your real take-home pay after federal, state, and FICA taxes. Compare any two states side by side.
How to Use the After-Tax Calculator
- Enter your gross annual salary.
- Select filing status and a state.
- Review net take-home pay and the effective tax rate.
- Compare with a no-income-tax state to see the difference.
Formula
takeHome = gross - federalTax - stateTax - fica effectiveRate = (gross - takeHome) / gross
Related Tax Tools
Related Tax Guides
In-Depth Guide
Worked Example
A Florida resident earns $90,000 in wages. Florida has no state income tax, so only federal and FICA apply. Federal tax after the 2026 standard deduction of $15,000 leaves $75,000 taxable; using the 2026 brackets the federal bill is about $11,600. FICA is 7.65% of $90,000, or $6,885. Total taken is roughly $18,485, leaving net pay near $71,515, an effective take-home rate of about 79.5%. The same earner in a state with a 5% income tax would lose another $4,500, dropping net pay below $67,000. The calculator deducts federal income tax, state income tax where applicable, and FICA to show the true net figure and your effective retention rate.
Common Mistakes to Avoid
A common mistake is subtracting only income tax and forgetting FICA, which quietly removes 7.65% from every paycheck. Another is applying the marginal federal bracket to gross pay, which overstates the hit because lower brackets are taxed at lower rates first. People also overlook that a state with no income tax still takes FICA and often higher sales or property taxes elsewhere. Pre-tax deductions like a 401(k) or health insurance lower taxable pay, so enter them if you have them. Finally, bonuses are withheld at a flat supplemental rate that differs from your regular effective rate, so do not read your bonus stub as your normal take-home percentage.
When to Consult a Tax Professional
The calculator is good for a steady salary, but bring in a pro if your income is uneven or comes from several channels. Contractors, commission-heavy roles, and people with large capital gains need to model quarterly payments and the self-employment tax interplay. If you are deciding between a traditional and a Roth 401(k), or weighing a job offer in a high-tax state against one in a no-tax state, an advisor can run the after-tax comparison with your full picture. Also consult someone before adjusting W-4 allowances if you have dependents or multiple jobs, since under-withholding triggers penalties.
Sources & Further Reading
Federal withholding and brackets are detailed by the IRS at IRS.gov. FICA and SECA mechanics come from the SSA at SSA.gov. The Federation of Tax Administrators lists state income tax rates at TaxAdmin.org. The net-pay math in the calculator follows these sources.
Disclaimer: SaveTaxUS calculators provide estimates only and do not constitute official tax advice. All calculations run locally in your browser — we never upload your income, property, or financial data.
Data source: Rates are based on publicly available 2026 IRS federal brackets and state tax publications. For formal filing, consult a licensed CPA. Last updated: July 2026.