Finance tool
US salary tax calculator
Gross salary, state, and filing status → estimated federal tax, FICA, state tax, and net pay.
Interactive tool
US salary & tax calculator
Federal, state, Social Security, and Medicare — estimated net pay for 2026.
Estimated take-home pay
$5,471/ month
22.8% effective rate · 30% marginal
Federal income tax
$9,870
State income tax
$2,972
Social Security
$5,270
Medicare
$1,233
2026 federal brackets, standard deduction, FICA, and state tax estimates. Not a substitute for IRS withholding or a CPA.
The problem
Two engineers, same salary, different states — wildly different net pay
Texas has no state income tax. California’s top bracket exceeds 13%. Social Security caps at $184,500 in 2026, but Medicare never stops.
A single “25% withheld” guess hides thousands per year in real take-home differences.
How Calqio helps
Federal brackets + your state + FICA
Uses 2026 IRS federal brackets by filing status, standard deduction, Social Security wage base, Medicare (plus additional Medicare above thresholds), and state-specific rates.
Real example
Example: $85,000 single filer in Texas
No state income tax. Federal tax applies progressively after the $16,100 standard deduction. FICA takes 7.65% on most of the salary, with Social Security capped at the wage base.
Net annual pay often lands in the mid-$60,000s — use the calculator with your exact state for a precise estimate.
Common questions
- What are the 2026 federal tax brackets?
- Seven brackets from 10% to 37%, indexed for inflation. Single filers start at 10% up to $12,400 of taxable income.
- Which states have no income tax?
- Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming have no state income tax on wages.
- Is Social Security tax capped?
- Yes — 6.2% applies only to the first $184,500 of wages in 2026. Medicare (1.45%) has no cap.
- Does this include 401(k) contributions?
- Use advanced options to enter pre-tax 401(k) contributions — they reduce federal and most state taxable income.