U.S. Paycheck

Federal Take-Home Pay Calculator 2026

Estimate annual and per-paycheck take-home pay after regular federal income tax, employee Social Security and Medicare, and the pre-tax deductions you enter.

What this tool models

2026 ordinary federal income-tax brackets.
2026 standard deduction for the selected filing status.
Employee Social Security tax at 6.2% up to the 2026 wage base.
Employee Medicare at 1.45%, plus the employer withholding threshold for Additional Medicare above $200,000.
Entered traditional retirement deferrals and qualifying Section 125/HSA payroll deductions.

Federal-only estimate. This is not a state paycheck calculator and is not a W-4 withholding calculator. It does not include state/local income tax, local payroll taxes, tax credits, itemized deductions, employer benefits, insurance premiums not entered, garnishments, Roth contributions, bonuses, stock compensation, special payroll rules or the effect of other household income.

Worked example

For $100,000 of gross wages, Single filing status, $10,000 of traditional retirement deferrals, $3,000 of qualifying Section 125/HSA payroll deductions and 26 pay periods, the modeled federal-only take-home pay is about $69,269.50 per year, or about $2,664.21 per paycheck.

Primary sources

Methodology & verification

Tax year: 2026.
Federal income-tax basis: Regular ordinary-income brackets after the 2026 standard deduction.
Payroll tax basis: Employee Social Security and Medicare only.
Important limitation: Actual paycheck withholding can differ because Form W-4 and payroll circumstances differ.
Last reviewed: 2026-09-17.

Read the U.S. source and update policy.