US Comprehensive Salary Calculator
Calculate your complete take-home pay including federal and state taxes, FICA (Social Security and Medicare), 401(k) contributions, health insurance, HSA/FSA, and other deductions. Get detailed breakdowns by pay period and see your effective tax rate.
Features
- Complete Tax Calculation: Federal, state, Social Security, Medicare (including additional 0.9%)
- 401(k) Support: Traditional contributions with employer match calculation
- Health Insurance: Pre-tax premium deductions
- HSA/FSA: Health savings account and flexible spending account support
- Other Deductions: Dental, vision, commuter benefits, etc.
- Pay Period Breakdown: See take-home by paycheck, monthly, weekly, hourly
- Employer Contributions: View total employer benefit value
- Effective Tax Rate: Visual representation of your total tax burden
How to Use
- Enter your gross annual salary
- Select your state for state income tax
- (Optional) Add 401(k) contribution and employer match %
- (Optional) Add health insurance premium (monthly)
- (Optional) Add HSA/FSA annual contribution
- (Optional) Add other pre-tax deductions (monthly)
- Select pay frequency (bi-weekly, monthly, etc.)
- View complete breakdown and per-paycheck amount
Pre-Tax Deductions Lower Your Taxes
Pre-tax deductions reduce your taxable income BEFORE taxes are calculated:
- 401(k): Up to 3,500/year (under 50), 1,000 (50+)
- Health Insurance: Employer-sponsored premiums
- HSA: Up to ,300 (individual), ,300 (family)
- FSA: Healthcare or dependent care expenses
- Commuter Benefits: Transit and parking
2026 Tax Brackets (Single Filer)
- 10%: /bin/bash - 1,600
- 12%: 1,601 - 7,150
- 22%: 7,151 - 00,525
- 24%: 00,526 - 91,950
- 32%: 91,951 - 43,725
- 35%: 43,726 - 09,350
- 37%: 09,351+
FICA Taxes (2026)
- Social Security: 6.2% on first 76,100 (employee) + 6.2% (employer)
- Medicare: 1.45% on all income (employee) + 1.45% (employer)
- Additional Medicare: 0.9% on income over 00,000 (employee only)
Employer Contributions (Your Hidden Benefit)
Your employer contributes on your behalf:
- 401(k) Match: Varies by company (common: 50% of first 6% = 3% of salary)
- Social Security: 6.2% of your salary (up to wage base)
- Medicare: 1.45% of your salary
- Total: Often 7-10% additional value
States with No Income Tax
AK, FL, NV, NH, SD, TN, TX, WA, WY (9 states)
States with Highest Income Tax
- California: 13.3%
- New York: 10.9%
- New Jersey: 10.75%
- Washington DC: 10.75%
- Hawaii: 11.0%
Important Notes
- Results show net income after federal/state taxes and selected deductions
- Does NOT include local income taxes (some cities/counties have additional tax)
- Does NOT include tax credits (child tax credit, EITC, etc.)
- Does NOT include post-tax deductions (Roth 401k, life insurance, etc.)
- Standard deduction used (4,600 for 2026 single filer)
- Assumes single filing status for simplicity
- Actual taxes may vary based on marital status, dependents, itemized deductions
This calculator provides estimates for salary planning. Consult a tax professional or financial advisor for personalized tax and retirement advice.
