Free US Salary & Tax Calculator
Calculate your exact take-home pay after federal tax, state tax, Social Security, and Medicare — for all 50 states and DC. Instant results, no sign-up required.
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Why People Use NetPayTools
Accurate & Up-to-Date
All calculations use 2026 IRS brackets, state tax tables, and FICA rates. Updated annually.
Instant Results
No waiting. Enter your salary and see your full tax breakdown in real time.
All 50 States + DC
Every US state is supported, including states with no income tax like Texas and Florida.
Private & Free
No account needed. No data stored. No ads. Just accurate calculations, always free.
How We Calculate Your Take-Home Pay
See the formula behind every result
- Start with gross annual salary. Enter your total yearly pay before any deductions. The calculator uses this as the baseline for all tax computations.
- Subtract pre-tax deductions. Optional deductions like 401(k) contributions, HSA/FSA deposits, and health insurance premiums are subtracted from gross pay before taxes are applied, lowering your taxable income.
- Apply federal, FICA, and state taxes. Using your filing status and state, we apply the 2026 federal income tax brackets, the standard deduction, Social Security and Medicare (FICA) rates, and your state's specific income tax rules. The result is your estimated annual take-home pay.
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All States
All 51 states →Free Salary & Tax Calculators
Calculate your exact take-home pay for any US state in seconds — free, no sign-up required.
How NetPayTools Calculates Taxes
NetPayTools calculates your exact take-home pay by applying current federal and state tax rules to your gross salary. Enter your income, filing status, and state — and our calculator instantly shows you every deduction broken down line by line.
Enter Your Gross Salary
Input your annual gross salary — the amount before any taxes or deductions. You can also enter an hourly wage and we'll annualize it automatically.
Choose Filing Status & State
Select your tax filing status (single, married filing jointly, head of household) and the state where you work. Each state has different tax brackets and rules.
Get Your Full Breakdown
Instantly see your net take-home pay with a complete breakdown of federal tax, state tax, Social Security, Medicare, and your effective tax rate.
Frequently Asked Questions
How accurate are NetPayTools's salary calculations?
Our calculators apply the exact 2026 federal income tax brackets, standard deduction amounts, FICA rates, and state-specific tax tables. Results are estimates based on standard deductions and do not account for itemized deductions, tax credits, local taxes, or individual circumstances. For authoritative guidance, consult a qualified tax professional or the IRS.
Which states have no income tax?
Nine states currently have no state income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. If you live and work in one of these states, your take-home pay will be higher than in states with income tax.
What is FICA and how is it calculated?
FICA (Federal Insurance Contributions Act) includes Social Security and Medicare taxes. For 2026, Social Security is 6.2% on wages up to $176,100. Medicare is 1.45% on all wages, with an Additional Medicare Tax of 0.9% on earnings over $200,000 (single) or $250,000 (married filing jointly).
How is take-home pay different from gross salary?
Your gross salary is your total compensation before any deductions. Take-home pay (also called net pay) is what you actually receive after federal income tax, state income tax, Social Security, Medicare, and any pre-tax deductions like 401(k) contributions or health insurance premiums are withheld.
Can I use these calculators for hourly wages?
Yes. The Hourly to Salary Calculator converts your hourly rate to an annual equivalent. The Salary Calculator also accepts annualized hourly inputs. Enter your hourly wage and hours per week and the calculator will compute your annual gross salary and full tax breakdown.
About NetPayTools
Free Salary Calculators for Every US State
NetPayTools provides free, accurate salary and tax calculators for all 50 US states and Washington DC. Our calculators are updated annually to reflect the latest IRS federal tax brackets and each state's income tax rules.
Whether you're comparing a job offer in California vs. Texas, figuring out how much of a raise you'll actually see in your paycheck, or planning your retirement contributions, NetPayTools gives you the numbers you need instantly — with no registration, no ads, and no paywalls.
How Accurate Are the Results?
Our calculations apply the exact 2026 federal income tax brackets, standard deduction amounts, FICA rates, and state-specific tax tables. Results are estimates based on standard deductions and do not account for itemized deductions, tax credits, local taxes, or individual circumstances. For authoritative tax guidance, consult a qualified tax professional or the IRS.
Ready to calculate your take‑home pay?
Choose your state or calculator type to get started — takes under 30 seconds.
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