US net salarycalculator
Type a gross salary and see the take home pay in the United States after federal income tax, Social Security, Medicare, your state's tax and a 401(k). It uses the 2026 federal brackets and the standard deduction of the filing status you pick.
- Free, no sign up
- Nothing is sent to a server
- Rules of 2026, with the date checked
Your numbers
Your state's rate on wages. Zero in states without income tax, such as Texas or Florida.
Pre tax: it lowers income tax but not Social Security or Medicare.
Counted for the child tax credit (US) or the family quotient (France).
Result
Fill in the fields to see the result here.
Tables of 2026, last checked on 10/21/2026. Sources: IRS, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction), SSA, contribution and benefit base, IRS, Topic 560 (Additional Medicare Tax), U.S. Department of Labor, minimum wage.
An estimate for information only. Collective agreements, company policy and special cases can change the amounts, so confirm them with your payroll department or an accountant.
How to calculate your net salary in the United States
Step 01
Type your gross salary
Per year or per month, as your contract states it. The result updates while you type.
Step 02
Tell the calculator your situation
Pick the filing status, type your state's income tax rate (zero in states without one), the share of your pay going into a 401(k) and the number of children.
Step 03
Read the whole picture
Net pay per month and per year, where the gross pay goes, what the employer pays on top, paid leave and what an exit would bring.
What you get
Federal tax with the real brackets
The 2026 brackets and standard deduction of $16,100 for single filers and $32,200 for married couples filing jointly.
The 401(k) effect
See how a pre tax 401(k) contribution lowers income tax while Social Security and Medicare are still charged on the full pay.
Rules with a date
The rates and ceilings of the United States live in one file, with the year and the date they were last checked printed under the tool.
Private by design
The calculation runs in your browser. The salary you type never reaches a server.
How net salary works in the United States
Federal income tax is charged on taxable income, which is the gross pay minus any pre tax 401(k) and the standard deduction. The rate rises in brackets from 10% to 37%, and each rate applies only to the part of the income inside its bracket.
FICA pays for Social Security and Medicare. Social Security is 6.2% of wages up to $184,500 in 2026, Medicare is 1.45% of all wages, and an Additional Medicare tax of 0.9% starts above $200,000. The employer pays the same Social Security and Medicare again on top.
State income tax varies from nothing to over 10% and some cities add their own. The calculator takes a flat rate you type, so use the rate of your state. Health insurance premiums, HSA contributions and other pre tax benefits are not included.
United States: income tax rates 2026
Federal income tax brackets for 2026, for a single filer. They apply to taxable income, after the standard deduction. Married couples filing jointly have brackets twice as wide up to the 35% rate.
| Taxable income per year | Rate |
|---|---|
| Up to $12,400 | 10% |
| From $12,401 to $50,400 | 12% |
| From $50,401 to $105,700 | 22% |
| From $105,701 to $201,775 | 24% |
| From $201,776 to $256,225 | 32% |
| From $256,226 to $640,600 | 35% |
| Above $640,600 | 37% |
United States: social contributions 2026
Payroll taxes. The employee and the employer each pay Social Security and Medicare; the Additional Medicare tax falls on the employee only, and the employer also pays federal unemployment tax on the first wages of the year.
| Contribution | Employee | Employer | Applies |
|---|---|---|---|
| Social security | 6.2% | 6.2% | Up to $184,500 |
| Medicare | 1.45% | 1.45% | On all pay |
| Additional Medicare | 0.9% | Not charged | Above $200,000 |
| Federal unemployment tax | Not charged | 0.6% | Up to $7,000 |
United States: rights that come with a job
The United States has few statutory employment rights at the federal level. Most of what follows is set by the employer, a contract or the state.
| Right | What the law says |
|---|---|
| Federal minimum wage | $7 an hour, and many states set a higher one |
| Paid vacation | Not required by federal law |
| Federal holidays | 11 a year, paid at the employer's choice |
| 13th month pay | Not required |
| Notice of dismissal | None by law (at will), except 60 days under the WARN Act for mass layoffs |
| Severance pay | None by law |
United States: net salary examples 2026
Calculated by the same calculator, for a single employee with the default settings and no pension, children or extras. Your numbers will differ, so use the calculator above with your own.
| Gross per year | Net per month | Net per year | Lost to tax and contributions |
|---|---|---|---|
| $40,000 | $2,860 | $34,320 | 14.2% |
| $60,000 | $4,199 | $50,390 | 16% |
| $80,000 | $5,426 | $65,110 | 18.6% |
| $120,000 | $7,771 | $93,250 | 22.3% |
Frequently asked questions
How much is a gross salary of $60,000 a year after tax in the United States?
With the default settings of the calculator (a single employee without children), a gross salary of $60,000 a year leaves about $50,390 a year, $4,199 a month, in 2026. Tax and contributions take 16% of the gross pay, and each extra unit you earn loses 20%.
How much is a gross salary of $120,000 a year after tax in the United States?
With the default settings of the calculator (a single employee without children), a gross salary of $120,000 a year leaves about $93,250 a year, $7,771 a month, in 2026. Tax and contributions take 22.3% of the gross pay, and each extra unit you earn loses 30%.
How much federal income tax do I pay on a salary of $80,000?
For a single filer in 2026, taxable income is $80,000 minus the $16,100 standard deduction, and the federal income tax comes to about $8,770. Social Security adds $4,960 and Medicare $1,160.
Does a 401(k) lower my take home pay?
It lowers it by less than the contribution. On $80,000, putting 10% in a 401(k) takes $8,000 from the paycheck but cuts the federal income tax from $8,770 to $7,010. Social Security and Medicare are still charged on the full pay. The employee limit for 2026 is $24,500.
What is FICA?
FICA is the payroll tax for Social Security and Medicare. The employee pays 6.2% for Social Security up to $184,500 and 1.45% for Medicare on all wages, and the employer pays the same amounts.
Which states have no income tax on wages?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas and Wyoming do not tax wages, and Washington taxes only some capital gains. Type 0 in the state field for them.
Is there a notice period or severance pay in the United States?
Employment is at will: federal law sets no notice period and no severance. Employers with 100 or more employees must give 60 days of written notice of a plant closing or mass layoff under the WARN Act. Contracts, company policy and some state laws can add more.
Is the result an official figure?
No. It is an estimate for planning. Your payslip is the real number: employers apply their own withholding tables, benefits and agreements, and the rules of the United States change from year to year.
Is my salary stored or sent anywhere?
No. The calculation happens in your browser and nothing you type is sent to a server.
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