Question 1

How is take-home pay calculated?

Accepted Answer

Take-home pay equals your gross pay minus federal income tax, Social Security (6.2%), Medicare (1.45%), state income tax (where applicable), and any pre-tax deductions such as 401(k) contributions.

Question 2

Are the 2026 tax brackets included?

Accepted Answer

Yes. The calculator includes the 2026 US federal tax brackets for single and married filers, the standard deduction, Social Security and Medicare rates, and state income tax estimates for all 50 states.

Question 3

Does this work for both hourly and salary employees?

Accepted Answer

Yes. Switch to Hourly mode to enter hours and hourly rate, or Salary mode to enter annual salary. Both compute annual take-home, per-paycheck, and monthly figures.

Question 4

Is this an official tax estimate?

Accepted Answer

No. This tool provides an estimate for planning purposes only. It uses simplified assumptions and does not replace a CPA or official payroll software. Always verify with a tax professional.