United States Salary Calculator 2026 — Take-Home Pay After Tax
Enter your gross salary to see exactly what lands in your bank account after american income tax and social contributions, using the 2026 rules from the Internal Revenue Service (IRS).
Instant net pay after USA income tax and social security — 2026 rates, no sign-up.
Top federal rate
37%
Social security (employee)
7.65% FICA
State tax range
0% – 13.3%
Tax year
January – December
How salaries are taxed in United States
US employees pay federal income tax on a progressive scale from 10% to 37%, plus FICA contributions of 7.65% (Social Security up to the annual wage base, plus Medicare). What makes the US unusual is the second layer: state — and sometimes city — income taxes that range from zero to over 13%.
That state layer is why the same salary produces very different take-home pay across the country. Florida and Texas levy no state income tax at all; California's top rate reaches 13.3%; New York City residents pay federal, state, and a separate city income tax. Our calculators model each city's full stack, including the federal standard deduction.
The US tax year matches the calendar year, and employers withhold tax through payroll (W-2). Most employees still file an annual return by mid-April to reconcile withholding against their true liability.
United States cities we cover
Frequently Asked Questions
How much tax do you pay on a salary in United States?
On a gross salary of $75,000 in New York, the effective rate of income tax plus employee social contributions is about 18.7% in 2026, leaving $60,980 per year ($5,082/month). The rate rises with income — use the calculator above for your exact salary.
What is the take-home pay calculator for United States based on?
All United States calculations use the 2025/26 rules published by the Internal Revenue Service (IRS): progressive income tax brackets, mandatory employee social contributions, and standard deductions for a single employee on a standard employment contract.