Calculate your 2026 take-home pay
Estimate 2026 take-home pay for one U.S. paycheck with federal withholding, FICA, all 50 state rate defaults, local tax fields, and flexible payroll deductions.
Calculate your take-home pay
Figur applies the IRS 2026 automated percentage method for a Form W-4 from 2020 or later, then estimates Social Security, Medicare, Additional Medicare, state tax, local tax, and the payroll deductions you enter. State defaults are editable planning rates rather than state payroll-withholding formulas. Each custom deduction can independently reduce federal, Social Security, Medicare, and state taxable wages.
Method and assumptions
Figur uses the IRS Publication 15-T automated percentage method for 2026 with a Form W-4 from 2020 or later. It calculates FICA with 2026 federal thresholds and applies your editable state and local rates. Everything runs locally in your browser and is not stored.
- The calculation represents one regular paycheck; it does not cover supplemental wages, contractors, self-employment, or Forms W-4 from 2019 or earlier.
- The suggested state rate is an editable planning rate. It does not reproduce every state's brackets, credits, deductions, reciprocity rules, or withholding forms.
- Deduction presets use common tax treatments, but actual eligibility depends on the plan and applicable law. Check the controls against your pay stub or benefits administrator.
- Additional Medicare withholding uses the $200,000 employer threshold; final tax liability can differ based on filing status and a spouse's wages.
This tool provides an informational payroll estimate, not tax, legal, or financial advice, tax-return preparation, or payroll processing. State and local rules change, and the suggested rate can overstate or understate actual withholding.
Sources and references
Frequently asked questions
Does this calculator use my state's exact withholding form?
No. Select any of the 50 states to prefill a suggested 2026 rate, then edit it for your situation. The estimate does not reproduce each state's brackets, credits, reciprocity rules, payroll forms, or local taxes.
How are 401(k), medical, HSA, and FSA deductions treated?
The presets apply common payroll tax treatment. A traditional 401(k) generally reduces federal and state income-tax wages but not Social Security or Medicare wages. Eligible Section 125 medical and payroll HSA/FSA deductions commonly reduce all four wage bases. You can edit every control.
Why do year-to-date wages matter?
Social Security withholding stops after this employer's wages reach the 2026 wage base, while Additional Medicare withholding starts after this employer pays more than $200,000 in Medicare wages. Year-to-date inputs help estimate a paycheck that crosses either threshold.
Are my payroll details saved?
No. The calculation runs in your browser. Figur does not save or send the amounts, labels, or tax choices you enter.
Can I use this to prepare a tax return?
No. This is a paycheck-planning estimate, not tax-return preparation, payroll processing, or tax advice. Compare important results with your pay stub, employer, or a qualified tax professional.