Convert any pay rate to hourly, weekly, monthly or yearly — then see roughly what actually lands in your bank account after 2026 federal tax, FICA and state tax.
Nothing you type leaves your browser — the whole calculation runs on this page.
2026 rates · a ballpark, not a payroll slip
| Gross | $0 | 100% |
| ■ Federal income tax | $0 | 0% |
| ■ FICA (Social Security + Medicare) | $0 | 0% |
| ■ State income tax | $0 | 0% |
| ■ Take-home | $0 | 0% |
| Pay period | Gross | Take-home (est.) |
|---|
Whatever rate you enter is converted to an annual figure first — hourly pay becomes rate × hours per week × weeks per year — and every other period is derived back from that. So the conversions always agree with each other.
The 2026 standard deduction ($16,100 single, $32,200 joint) comes off first, then the seven federal brackets are applied step by step — only the income inside each band is taxed at that band's rate.
Social Security takes 6.2% up to the 2026 wage base of $184,500. Medicare takes 1.45% on everything, plus 0.9% more above $200,000 single / $250,000 joint. No deduction applies to either.
Each state's own 2026 brackets, standard deduction and personal exemption are applied to the same wage. Eight states take nothing from wage income at all.
Full-time at 40 hours a week, 52 weeks a year — 2,080 hours. Take-home shown for a single filer in a no-income-tax state.
| Hourly | Per week | Per month | Per year | Take-home / yr |
|---|
A $95,000 offer in Austin and a $105,000 offer in San Jose are not ten thousand dollars apart. Run both through with the right state and compare take-home, not headline.
Work backwards from the monthly net you want. A $500-a-month difference in your account usually needs a raise of $8,000 to $9,000 on paper.
Drop weeks per year to 46 or 48 to account for unpaid holiday and gaps between contracts, and you will see why a contract rate has to sit well above the salaried equivalent.
Know the floor you can accept and the band you can defend before the call. Guessing on the spot is how people leave money on the table.
Gross pay is the figure in the offer letter and the one recruiters ask about. It is your pay before a single deduction.
Net pay — take-home — is what reaches your account. Between the two sit federal income tax, FICA, and state income tax, which is what this calculator estimates. Your real payslip will also carry anything you have chosen to divert before tax: 401(k) contributions, health insurance premiums, an HSA. Those lower your taxable income, so a payslip usually shows a slightly friendlier tax number than the estimate here.
Marginal versus effective rate. Being "in the 22% bracket" does not mean 22% of your money goes to the IRS. Only the dollars above that bracket's threshold are taxed at 22%; everything below is taxed at the lower rates beneath it. The percentage this page shows next to federal tax is your effective rate — the one that actually matters for budgeting.
What is not modelled here: city and county income taxes (New York City and Philadelphia are the big ones), dependents and tax credits, pre-tax benefit deductions, bonuses and equity, and self-employment tax if you are a contractor rather than an employee. Sources: IRS 2026 inflation adjustments and the Tax Foundation's 2026 federal and state bracket tables. This is an estimate for planning, not tax advice.
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