Bring Home Pay Calculator
See your 2026 bring-home pay per paycheck, per month and per year after federal income tax, Social Security, Medicare, state tax and pre-tax deductions. The reverse mode works out the gross salary you need to take home a set amount each month.
Bring home pay calculator
Reverse: what salary do I need to bring home a set amount?
Post tax income calculator: what comes out of your pay
Bring-home pay is gross pay minus four things: federal income tax (2026 brackets after the $16,100 single / $32,200 joint standard deduction), Social Security (6.2% up to $184,500), Medicare (1.45%, plus 0.9% above $200,000 single or $250,000 joint), and state and local income tax. Pre-tax 401(k) contributions lower income tax but not Social Security and Medicare; health premiums and HSA contributions through payroll lower both.
Example: $75,000, single, paid every two weeks, no state tax: federal tax $7,670, FICA $5,738, bring-home $61,592 a year, $2,369 per paycheck, $5,133 a month.
Calculating bring home pay from a target: the reverse mode
Budgeting usually starts with what you need each month. The reverse calculator searches for the gross salary whose after-tax pay equals your target. Bringing home $5,000 a month as a single filer with no state tax takes a salary of about $72,700; in Georgia (4.99% flat after its $12,000 standard deduction), about $77,400.
Bring home salary calculator, bring home income calculator, bring home wage calculator, post tax pay calculator, post tax salary calculator and post tax wage calculator
All of these mean the same thing: net pay. For hourly wages, multiply the hourly rate by 2,080 (40 hours × 52 weeks) to get the annual figure, or use the paycheck simulator to add overtime. The nine states with no wage income tax are Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming.
Calculate my paycheck: pay check calculator and payroll calculator
To calculate my paycheck, enter your salary, pay frequency, filing status and state above. This pay check calculator (also called a payroll calculator, payroll calculator take home pay, payroll take home calculator or salary paycheck calculator) shows what lands in your account each payday after federal tax, Social Security, Medicare and your state's 2026 brackets. To calculate paycheck from salary: divide the annual net by 26 (every two weeks), 24 (twice a month), 52 (weekly) or 12 (monthly). To calculate monthly pay or calculate monthly paycheck amounts, read the per-month line.
Take home paycheck calculator: calculate net pay
To calculate net pay, start from gross and subtract pre-tax deductions, federal income tax, FICA and state and local tax. This works as a paycheck take home pay calculator, salary net pay calculator, salary take home pay calculator, take home earnings calculator, take home income calculator, take home wage calculator and takehome pay calculator.
2026 state income tax and vehicle sales tax by state
| State | 2026 income tax | State vehicle sales tax |
|---|---|---|
| Alabama | 2% – 5% (3 brackets) | 2% |
| Alaska | No wage income tax | 0% (no trade-in credit) |
| Arizona | 2.5% | 5.6% |
| Arkansas | 2% – 3.9% (2 brackets) | 6.5% |
| California | 1% – 13.3% (10 brackets) | 7.25% (no trade-in credit) |
| Colorado | 4.4% | 2.9% |
| Connecticut | 2% – 6.99% (7 brackets) | 6.35% |
| Delaware | 2.2% – 6.6% (6 brackets) | 0% (no trade-in credit) |
| District of Columbia | 4% – 10.75% (7 brackets) | – |
| Florida | No wage income tax | 6% |
| Georgia | 4.99% | 7% |
| Hawaii | 1.4% – 11% (12 brackets) | 4% (no trade-in credit) |
| Idaho | 5.3% | 6% |
| Illinois | 4.95% | 6.25% |
| Indiana | 2.95% | 7% |
| Iowa | 3.8% | 5% |
| Kansas | 5.2% – 5.58% (2 brackets) | 6.5% |
| Kentucky | 3.5% | 6% |
| Louisiana | 3% | 5% |
| Maine | 5.8% – 7.15% (3 brackets) | 5.5% |
| Maryland | 2% – 6.5% (10 brackets) | 6% |
| Massachusetts | 5% – 9% (2 brackets) | 6.25% |
| Michigan | 4.25% | 6% |
| Minnesota | 5.35% – 9.85% (4 brackets) | 6.875% |
| Mississippi | 4% | 5% |
| Missouri | 2% – 4.7% (7 brackets) | 4.225% |
| Montana | 4.7% – 5.65% (2 brackets) | 0% (no trade-in credit) |
| Nebraska | 2.46% – 4.55% (3 brackets) | 5.5% |
| Nevada | No wage income tax | 6.85% |
| New Hampshire | No wage income tax | 0% (no trade-in credit) |
| New Jersey | 1.4% – 10.75% (7 brackets) | 6.625% |
| New Mexico | 1.5% – 5.9% (6 brackets) | 4% |
| New York | 3.9% – 10.9% (9 brackets) | 4% |
| North Carolina | 3.99% | 3% |
| North Dakota | 1.95% – 2.5% (2 brackets) | 5% |
| Ohio | 2.75% | 5.75% |
| Oklahoma | 2.5% – 4.5% (3 brackets) | 4.5% |
| Oregon | 4.75% – 9.9% (4 brackets) | 0% (no trade-in credit) |
| Pennsylvania | 3.07% | 6% |
| Rhode Island | 3.75% – 5.99% (3 brackets) | 7% |
| South Carolina | 0% – 6% (3 brackets) | 5% |
| South Dakota | No wage income tax | 4% |
| Tennessee | No wage income tax | 7% |
| Texas | No wage income tax | 6.25% |
| Utah | 4.5% | 4.85% |
| Vermont | 3.35% – 8.75% (4 brackets) | 6% |
| Virginia | 2% – 5.75% (4 brackets) | 4.15% (no trade-in credit) |
| Washington | No wage income tax | 6.8% |
| West Virginia | 2.22% – 4.82% (5 brackets) | 6% |
| Wisconsin | 3.5% – 7.65% (4 brackets) | 5% |
| Wyoming | No wage income tax | 4% |
Income tax: Tax Foundation 2026 table, updated for Georgia's 4.99% rate (HB 463) and Massachusetts' $1,107,750 surtax threshold. Local income taxes are not included; use the local box.
Common questions
How do I calculate my bring-home pay?
Subtract federal income tax, Social Security (6.2%), Medicare (1.45%), state tax and pre-tax deductions from gross pay, then divide by your number of paychecks.
What is $75,000 a year after taxes?
About $61,592 for a single filer in 2026 with no state tax: $5,133 a month or $2,369 every two weeks.
What salary do I need to bring home $5,000 a month?
About $72,700 single in a no-income-tax state, more with state tax or pre-tax deductions.
What percent of my paycheck goes to taxes?
Typically 15% to 25% for middle incomes: FICA alone is 7.65%, plus federal and state income tax.
Is post-tax income the same as net income?
For a paycheck, yes: net pay, take-home pay and bring-home pay all mean pay after taxes and deductions.
Sources
- IRS: 2026 inflation adjustments (Rev. Proc. 2025-32), via Journal of Accountancy
- Social Security Administration: 2026 contribution and benefit base
- IRS Publication 15-T: Federal income tax withholding methods
Related
General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.