US Paycheck Calculator 2026
Calculate your net pay in any US state. Includes Federal Income Tax, Social Security, Medicare, 401(k) and HSA deductions. Calcula tu sueldo neto en los Estados Unidos con tablas IRS actualizadas.
Filing status
Tables updated: 2026-01-01 · IRS irs.gov + state revenue agencies
State tax is an estimate. Some states have additional deductions, credits, and local taxes not included.
Enter your gross salary to see the full breakdown
¿Cómo se calcula tu net pay en Estados Unidos?
Social Security
6.2%
Sobre los primeros $176,100 de salario anual (wage base 2026).
Medicare
1.45%
Sin tope de salario. +0.9% sobre $200K (single) / $250K (MFJ).
Federal Income Tax
10 – 37%
7 tramos progresivos. Base = bruto − deducción estándar − pre-tax.
State Income Tax
0 – 13.3%
Varía por estado. 9 estados sin impuesto estatal; otros hasta 13.3% (CA).
Pre-tax deductions reducen tu base imponible
Las contribuciones al 401(k) y HSA se descuentan del salario bruto antes de calcular los impuestos federal y estatal, reduciendo la carga fiscal total.
Federal Income Tax Brackets 2026 — Single Filers
| Taxable income range | Tax rate | ||
|---|---|---|---|
| $0 – $11,925 | 10% | ||
| $11,925 – $48,475 | 12% | ||
| $48,475 – $103,350 | 22% | ||
| $103,350 – $197,300 | 24% | ||
| $197,300 – $250,525 | 32% | ||
| $250,525 – $626,350 | 35% | ||
| Over $626,350 | 37% | ||
| Applicable to taxable income after standard deduction ($15,000 in 2026 for single filers). Source: IRS — irs.gov. MFJ brackets are approx. double. | |||
Example: $80,000 annual salary — Single, California
| Item | Amount | |
|---|---|---|
| Gross salary (annual) | $80,000 | |
| Social Security (6.2%) | - $4,960 | |
| Medicare (1.45%) | - $1,160 | |
| Federal Income Tax | - $9,214 | |
| California State Tax | - $3,499 | |
| Net annual take-home pay | $61,167 | |
| Effective tax rate: ~23.5% · Monthly take-home: ~$5,097 · Bi-weekly: ~$2,353 · No 401(k) or HSA contributions in this example. | ||
Laws governing your US paycheck
Internal Revenue Code (IRC)
Federal tax law governing income tax brackets, standard deductions, and all federal withholding. Updated annually by IRS.
Social Security Act — FICA
Federal Insurance Contributions Act: 6.2% Social Security tax on wages up to the annual wage base ($176,100 in 2026).
Medicare — FICA
1.45% Medicare tax on all wages with no wage base limit. Additional 0.9% on wages exceeding $200,000 (single filers).
IRC §401(k) — Pre-tax retirement
Allows employees to defer up to $23,500 ($31,000 if 55+) of salary into a 401(k) plan, reducing federal and state taxable income.
IRC §223 — Health Savings Account (HSA)
Allows pre-tax contributions to HSA accounts ($4,300 individual / $8,550 family in 2026) for qualifying high-deductible health plans.
State Revenue Codes
Each state has its own income tax code. 9 states have no income tax; others range from flat rates to progressive brackets up to 13.3% (CA).