US Federal Tax and Take-Home Estimator (2026)
Estimate US federal income tax, Social Security and Medicare on wages for tax year 2026 with the standard deduction. State tax not included.
| Per year | Per month | |
|---|---|---|
| Gross wages | $ 85,000.00 | $ 7,083.33 |
| Pre-tax contributions | – $ 0.00 | – $ 0.00 |
| Federal income tax | – $ 9,870.00 | – $ 822.50 |
| Social Security (6.2%) | – $ 5,270.00 | – $ 439.17 |
| Medicare (1.45% + 0.9% extra) | – $ 1,232.50 | – $ 102.71 |
| Take-home before state tax | $ 68,627.50 | $ 5,718.96 |
Taxable income after the standard deduction: $ 68,900. Marginal federal rate 22%. Effective federal income tax rate 11.6%.
Sources: IRS: 2026 inflation adjustments, SSA: contribution and benefit base
About US Federal Tax and Take-Home Estimator (2026)
The US Federal Tax and Take-Home Estimator shows roughly what is left of your wages after federal income tax, Social Security and Medicare. Choose your filing status, enter your annual wages and any pre-tax 401(k) contributions, and it applies the 2026 standard deduction and tax brackets.
The figures follow the IRS inflation adjustments for tax year 2026 and the Social Security wage base of 184,500 dollars. Credits, itemised deductions, other income, head-of-household status, and state and local taxes are not included. Everything is calculated in your browser.
How to use US Federal Tax and Take-Home Estimator (2026)
- Enter your gross annual wages.
- Choose your filing status.
- Add any pre-tax 401(k) or traditional contributions.
- Read the federal tax, the payroll taxes and your take-home pay.
Tax rules and rates change and depend on your situation. Results are estimates, not tax advice. Check the official source for your country or ask a qualified adviser.
Help & FAQ
Which year are the brackets for?
Tax year 2026, using the IRS inflation adjustments in Revenue Procedure 2025-32. They apply to returns filed in 2027.
Why is my paycheck different?
Employers withhold using your W-4, and states, local taxes, health insurance and other deductions also apply. This is a federal estimate only.
Are 401(k) contributions taxed for Social Security?
Pre-tax 401(k) contributions lower your income tax wages but are still subject to Social Security and Medicare tax, which is how this estimator treats them.
Is my data safe?
Yes. This tool runs in your browser, so what you type or open stays on your device and is not uploaded to Toolysite.
Is anything saved?
Nothing you enter is saved on our servers. Only preferences such as favourites and recently used tools are kept in your browser.