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US salary calculator 2026

Work out take-home pay in the US for 2026 from your gross salary, find the gross needed for a target net, or see what a hire really costs. Every deduction is shown step by step.

Defaults to your region. Switch to compare any other scale.

2026 annual estimate. Federal tax is the annual liability, not a W-4 withholding table. California and New York use the official 2026 state withholding schedules (EDD Method B with 1 allowance, or 2 if married, plus 1 per child; NYS-50-T-NYS with 0 allowances plus 1 per child), so the state's annual return may differ. They also include California SDI (1.3%) or New York disability (0.5%, max $31.20) and Paid Family Leave (0.432%, max $411.91). Other states are those without wage tax and flat-tax states verified for 2026. Local taxes such as New York City are not included.

Calculate

Result

$61,592.50

Net pay per year

Gross $75,000.00 · employer cost $80,779.50

  • Gross pay (per year)$75,000.00
  • Federal income tax−$7,670.00
  • Social Security (6.2%)−$4,650.00
  • Medicare (1.45%)−$1,087.50
  • Total employee deductions−$13,407.50
  • Net pay (per year)$61,592.50
  • + Social Security (6.2%)+$4,650.00
  • + Medicare (1.45%)+$1,087.50
  • + Federal unemployment tax (FUTA, net 0.6%)+$42.00
  • Total employer cost (per year)$80,779.50
  • Tax-free allowance used (per year)$16,100.00
  • Taxable income (per year)$58,900.00
  • Effective deduction rate17.9%
  • Tax year2026

Rules used

2026 annual estimate. Federal tax is the annual liability, not a W-4 withholding table. California and New York use the official 2026 state withholding schedules (EDD Method B with 1 allowance, or 2 if married, plus 1 per child; NYS-50-T-NYS with 0 allowances plus 1 per child), so the state's annual return may differ. They also include California SDI (1.3%) or New York disability (0.5%, max $31.20) and Paid Family Leave (0.432%, max $411.91). Other states are those without wage tax and flat-tax states verified for 2026. Local taxes such as New York City are not included.

Step-by-step breakdown

ItemRateBase per yearPer monthPer year
Gross pay$6,250.00$75,000.00
− Federal income tax$58,900.00$639.17$7,670.00
− Social Security (6.2%)6.2%$75,000.00$387.50$4,650.00
− Medicare (1.45%)1.45%$75,000.00$90.63$1,087.50
= Net pay$5,132.71$61,592.50
+ Social Security (6.2%)6.2%$75,000.00$387.50$4,650.00
+ Medicare (1.45%)1.45%$75,000.00$90.63$1,087.50
+ Federal unemployment tax (FUTA, net 0.6%)0.6%$7,000.00$3.50$42.00
= Total employer cost$6,731.63$80,779.50

About this tool

Federal income tax uses the 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household) and brackets from 10% to 37%, less the $2,200 Child Tax Credit per qualifying child. FICA takes 6.2% Social Security up to the $184,500 wage base and 1.45% Medicare, plus 0.9% Additional Medicare on wages above $200,000. State income tax depends on the state you live in; nine states do not tax wages.

The employer matches 6.2% Social Security (up to $184,500) and 1.45% Medicare and pays federal unemployment tax (FUTA) of 0.6% on the first $7,000 after the usual state credit. State unemployment insurance (SUI) rates are set per employer and are not included.

2026 annual estimate. Federal tax is the annual liability, not a W-4 withholding table. California and New York use the official 2026 state withholding schedules (EDD Method B with 1 allowance, or 2 if married, plus 1 per child; NYS-50-T-NYS with 0 allowances plus 1 per child), so the state's annual return may differ. They also include California SDI (1.3%) or New York disability (0.5%, max $31.20) and Paid Family Leave (0.432%, max $411.91). Other states are those without wage tax and flat-tax states verified for 2026. Local taxes such as New York City are not included.

Formula

  • Net = Gross − income tax − employee social contributions
  • Employer cost = Gross + employer contributions
  • Net → gross: solve Net(Gross) = target by bisection

How it is calculated

  1. Choose the country (each has its own page and tax year).
  2. Pick gross → net, net → gross or employer budget, then enter the amount per month or per year.
  3. Set personal options such as dependants, tax class, region or state.
  4. Read the step-by-step breakdown of every tax and contribution, plus the total employer cost.

Questions

How is net salary calculated in the US?

Federal income tax uses the 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household) and brackets from 10% to 37%, less the $2,200 Child Tax Credit per qualifying child. FICA takes 6.2% Social Security up to the $184,500 wage base and 1.45% Medicare, plus 0.9% Additional Medicare on wages above $200,000. State income tax depends on the state you live in; nine states do not tax wages.

How much does an employee cost the employer in the US?

The employer matches 6.2% Social Security (up to $184,500) and 1.45% Medicare and pays federal unemployment tax (FUTA) of 0.6% on the first $7,000 after the usual state credit. State unemployment insurance (SUI) rates are set per employer and are not included.

Can I work out the gross salary from a net amount?

Yes. Choose “Net → gross”: the calculator searches for the gross salary whose deductions leave exactly your net amount, then shows the full breakdown. “Employer budget” does the same starting from the total cost.

Which tax year and rules does the calculator use?

2026 annual estimate. Federal tax is the annual liability, not a W-4 withholding table. California and New York use the official 2026 state withholding schedules (EDD Method B with 1 allowance, or 2 if married, plus 1 per child; NYS-50-T-NYS with 0 allowances plus 1 per child), so the state's annual return may differ. They also include California SDI (1.3%) or New York disability (0.5%, max $31.20) and Paid Family Leave (0.432%, max $411.91). Other states are those without wage tax and flat-tax states verified for 2026. Local taxes such as New York City are not included.

Sources

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