TakeHomePayHow much of your salary do you actually keep?
Enter your pay and state — see your true 2026 take-home pay after federal tax, state tax, and FICA, in seconds.
Estimate only, using 2026 federal brackets, standard deduction, FICA, and state income tax. Doesn't include pre-tax deductions (401k, health insurance) or local taxes.
Why your state changes your paycheck
A $75,000 salary doesn't buy the same life everywhere. Nine states charge no income tax at all — Texas, Florida, Washington, Nevada, Wyoming, South Dakota, Tennessee, Alaska, and New Hampshire (on wages) — while high-tax states can take over 10% more of the same paycheck. That's thousands of dollars a year for doing the exact same job.
This calculator uses the official 2026 federal tax brackets, the 2026 standard deduction, Social Security and Medicare (FICA) rates, and each state's 2026 income tax rates — so the number you see reflects the current tax year, not last year's tables.
How it works
- We subtract the 2026 standard deduction for your filing status.
- Federal tax is applied using 2026 marginal brackets.
- Your state's income tax is applied (or $0 in no-tax states).
- Social Security (up to the 2026 wage cap) and Medicare are deducted.
Browse take-home pay by state
Every state, 2026 rates, with examples and FAQs.
⚡ Salary Showdown
Same salary, 50 states — see where you'd keep the most. Ranked instantly, shareable result.
Run the ShowdownFrequently asked questions
What is take-home pay?
Take-home pay (net pay) is what lands in your bank account after federal income tax, state income tax, and FICA (Social Security + Medicare) are withheld from your gross salary.
Which states have no income tax in 2026?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming have no state income tax on wages.
How accurate is this calculator?
It's an estimate using 2026 published federal and state tax tables. It doesn't account for pre-tax deductions like 401(k) contributions or health premiums, local/city taxes, or tax credits — your actual paycheck may differ slightly.
Does it include Social Security and Medicare?
Yes. Social Security (6.2% up to the 2026 wage cap) and Medicare (1.45%, plus 0.9% additional Medicare tax on high earners) are included.