Pay and Tax Calculators (2026)
These calculators answer the questions people ask about earning money in the US: how much of a salary reaches your bank account, how much federal tax you owe, and what changes if you work hourly, earn overtime or work for yourself. All of them use the same 2026 federal figures, listed below with the IRS document each comes from.
Start with the journey that matches your situation, or jump to a section. Every result is an estimate from the inputs you enter, not tax advice.
Published by Hen Machluf · Figures reviewed October 2026 · Editorial standards
Start here
Weighing a job offer
- 1Take-Home Pay: turn the offer into annual, monthly and hourly pay after tax
- 2Paycheck: see each paycheck with your 401(k), HSA and state
- 3Take-home pay by state: compare the same salary across all 50 states and D.C.
Paid by the hour
- 1Hourly ↔ Salary: convert an hourly rate to yearly pay
- 2Overtime Pay: add time-and-a-half for hours over 40
- 3No Tax on Overtime: estimate the federal overtime deduction (up to $12,500)
Self-employed or side income
- 1Self-Employment Tax: find self-employment tax plus income tax on your profit
- 2Quarterly Tax: split it into quarterly payments
- 3Home Office: check what a home office deducts
Before you file
- 1Tax Refund: estimate a refund or a balance due
- 2Tax Withholding: adjust your W-4 for next year
Take-home pay
What actually reaches your bank account after federal tax, FICA, state tax and payroll deductions.
- PaycheckHow much is each paycheck after taxes, 401(k) and HSA?
- Take-Home PayWhat is my salary worth per year, month, week and hour after tax?
- Net SalaryWhat is my net salary after federal, state and FICA taxes?
- Hourly ↔ SalaryWhat does an hourly rate add up to over a year?
- Overtime PayHow much does overtime add to my weekly and yearly pay?
- Bonus TaxHow much of a bonus do I keep after withholding?
- Pay RaiseWhat is a raise worth in dollars and percent?
- Min WageWhat does a minimum-wage job pay per week and per year?
Federal income tax and withholding
How much federal tax you owe for the year, and whether your paycheck withholding covers it.
- Income TaxWhat is my federal and state income tax for the year?
- Tax WithholdingIs my W-4 withholding too high or too low?
- Tax RefundWill I get a refund or owe money when I file?
- Payroll TaxHow much Social Security and Medicare tax comes out of my pay?
- SS TaxHow much of my Social Security benefit is taxable?
Deductions from the 2025 tax law
Four federal deductions created or changed by the 2025 tax law. Each has its own cap, income phase-out and end date, so check them separately.
Self-employment and side income
When no employer withholds for you, you pay both halves of FICA and send estimated payments yourself.
- Self-Employment TaxHow much self-employment and income tax do I owe on my profit?
- Quarterly TaxHow much should each quarterly estimated payment be?
- Side HustleHow much of my side income do I keep after tax?
- Employee vs ContractorIs a W-2 job or a 1099 contract worth more?
- Freelance RateWhat hourly rate replaces a salary I want?
- Home OfficeHow much can I deduct for a home office?
- SE Health InsuranceHow much of my health insurance can I deduct?
- Mileage ReimbursementWhat are my business miles worth at the IRS rate?
Investments, windfalls and estates
Gains, prizes and transfers are taxed under their own rules, separate from wages.
- Capital Gains TaxHow much tax do I owe when I sell an investment?
- Cap Gains by StateWhat do federal plus state capital gains taxes add up to in my state?
- Crypto TaxHow is a crypto sale taxed?
- Lottery TaxHow much of a lottery prize do I keep?
- Estate TaxWill an estate owe federal estate tax?
- Gift TaxDoes a large gift need a gift tax return or use up my exemption?
- Sales TaxWhat is the total price with sales tax?
Figures and sources
The 2026 federal figures these calculators use. Each comes from the IRS or from the law itself, and each is linked to its source.
| Rule or limit | Value |
|---|---|
| Standard deduction, single | $16,100 |
| Standard deduction, married filing jointly | $32,200 |
| Standard deduction, head of household | $24,150 |
| 10% bracket, single | taxable income up to $12,400 |
| 12% bracket, single | $12,400 to $50,400 |
| Social Security tax (employee) | 6.2% of wages up to $184,500 |
| Medicare tax (employee) | 1.45% of all wages, plus 0.9% Additional Medicare Tax withheld on wages above $200,000 |
| 401(k) employee contribution limit | $24,500 |
| HSA contribution limit | $4,400 self-only, $8,750 family |
| Overtime deduction cap | $12,500 ($25,000 joint), phasing out above $150,000 ($300,000 joint) |
| Tips deduction cap | $25,000 per return |
| State and local tax (SALT) deduction cap | $40,400 |
Official sources
Rates and rules change, so confirm the current figures with the publisher before you rely on them:
- IRS Revenue Procedure 2025-32: 2026 tax brackets, standard deduction and other inflation adjustments (irs.gov)
- IRS Topic No. 751: Social Security and Medicare withholding rates (2026 wage base) (irs.gov)
- IRS Notice 2025-67: 2026 retirement plan and IRA contribution limits (irs.gov)
- IRS Revenue Procedure 2025-19: 2026 HSA contribution limits (irs.gov)
- IRS: Tax deductions for working Americans and seniors (tips, overtime, senior deduction) (irs.gov)
- Public Law 119-21, section 70120: SALT cap of $40,400 for 2026, $505,000 phase-down threshold, $10,000 floor (govinfo.gov)
Worked example: a $60,000 salary
A single filer earning $60,000, with no pre-tax deductions and no state income tax, subtracts the $16,100 standard deduction and has $43,900 of taxable income. The first $12,400 is taxed at 10% and the rest at 12%, for $5,020 of federal income tax. FICA adds $4,590 (7.65%). That leaves $50,390 for the year after federal income tax and FICA. The top rate is 12%, but the federal income tax is only 8.4% of the salary.
Run your own numbers in the Income Tax →Guides and studies
- 2026 Federal Income Tax Brackets and Standard Deduction, With the Math Worked Out
- No Tax on Tips & Overtime: How the 2025–2028 Deductions Actually Work
- Take-Home Pay by State 2026 — Net Salary After Taxes, All 50 States + D.C.
- States With No Income Tax 2026
- Average Salary by State 2026: Median Pay Ranked by BLS Data