How is take-home pay calculated after taxes?

Take-home pay starts with gross wages, subtracts pre-tax deductions (401(k), HSA, etc.), then applies federal income tax, state tax, and FICA (Social Security and Medicare).

Which pre-tax deductions reduce my taxable income?

Common pre-tax deductions include traditional 401(k), HSA, FSA, health insurance premiums, and commuter benefits. Each reduces federal taxable wages when elected pre-tax.

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Estimate your net take-home after federal income tax, FICA, state taxes, and all pre-tax deductions — 401(k), HSA, FSA, health premiums, and commuter benefits.

Data as of March 2026. 2026 tax figures are projected/extrapolated from IRS Rev. Proc. 2024-40 and are not yet finalized by the IRS.

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Progressive state — top marginal rate used as estimate.

IRS Rev. Proc. 2024-40 · Tax Foundation 2025–2026 · SSA Wage Base $176,100

Your Take-Home Pay

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Estimates only — not tax advice. IRS Rev. Proc. 2024-40.

2026 Limits

SS Wage Cap$176,100SS Rate6.2%Medicare Rate1.45%401(k) Limit$23,500HSA Self/Family$4,300 / $8,550FSA Medical$3,300FSA Dep. Care$5,000Commuter (each)$325/mo

Take-Home Pay

Federal Tax

State Tax

Social Security

Medicare

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2026 Federal Income Tax Brackets

IRS Rev. Proc. 2024-40 · Projected with ~2.8% COLA from 2025 base

Single

Standard deduction: $14,600

10%$0 – $11,600

12%$11,601 – $47,150

22%$47,151 – $100,525

24%$100,526 – $191,950

32%$191,951 – $243,725

35%$243,726 – $609,350

37%$609,351+

Married Filing Jointly

Standard deduction: $29,200

10%$0 – $23,200

12%$23,201 – $94,300

22%$94,301 – $201,050

24%$201,051 – $383,900

32%$383,901 – $487,450

35%$487,451 – $731,200

37%$731,201+

Long-Term Capital Gains

Assets held > 1 year · IRC §1(h)

Single

0%$0 – $47,025

15%$47,026 – $518,900

20%$518,901+

Married

0%$0 – $94,050

15%$94,051 – $583,750

20%$583,751+

FICA Payroll Taxes

Employee portion only

Social Security

6.2%up to $176,100

Medicare

1.45%all income

IRS Rev. Proc. 2024-40 · IRC §1(h) capital gains · SSA Wage Base 2026