Estimate your 2026 take-home pay from one W-2 job: federal income tax, Social Security, Medicare and state tax, per paycheck and per year.
Estimate for tax year 2026 only, not tax advice. IRS and state assessments prevail. Read the disclaimer.
The estimate is the 2026 year-end tax on wages from one job, not the amount an employer withholds from each paycheck. Pre-tax 401(k) and HSA contributions reduce federal income tax. HSA contributions through payroll also reduce Social Security and Medicare wages. 401(k) deferrals stay in those wages.
Federal income tax uses the 2026 standard deduction, including the extra amount for age 65 or older, then the senior deduction for 2025–2028, then the nonrefundable part of the Child Tax Credit. State tax follows the selected state. Per-paycheck figures divide the annual result by 26, 24, or 12.
Federal AGI = gross pay − 401(k) − HSA.
Taxable income = max(0, federal AGI − standard deduction − senior deduction).
Take-home pay = gross pay − 401(k) − HSA − federal income tax − Social Security − Medicare − state tax − state payroll deductions.
The marginal rate adds Social Security, Medicare and state tax to the federal bracket. In New York, a recapture rule also phases out the lower state brackets as income rises, which adds several points within certain ranges.
No. Traditional 401(k) deferrals lower federal and most state income tax, but Social Security and Medicare still apply. Pennsylvania also taxes them. HSA contributions through payroll avoid all three.
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Alaska and Washington still deduct small state payroll items: Alaska unemployment insurance, and Washington paid leave and WA Cares.
Withholding depends on your W-4, bonuses are withheld at a flat rate, Social Security stops after $184,500 of wages, and local taxes are not included.
No. City and local income taxes, including New York City and Yonkers, are left out.
Yes, the nonrefundable part: $2,200 per qualifying child under 17 for 2026, reduced by $50 for each $1,000 (or part of $1,000) of income over $200,000 ($400,000 married filing jointly), and limited to your federal income tax. The refundable portion, the credit for other dependants and state dependant amounts are not included.
You get an extra standard deduction ($2,050 if single or head of household, $1,650 per spouse if married filing jointly) and the senior deduction of up to $6,000 per person for 2025–2028, reduced by 6% of income over $75,000 ($150,000 married filing jointly). Social Security and Medicare tax on wages still apply, and state tax is not changed in this version.
Accessed 2026-10-05.