US Salary & Take-Home Pay Calculator
Calculate your estimated take-home pay and the value of your time in 2026.
Your income
All 50 US states. Ordinary employees living and working in the same state. Confirm local taxes and insurance in additional settings.
Under 65, no dependents or additional credits, ordinary W-2 wages only. Dual-earner households, separate filing and head of household are not supported.
Select a supported state of residence and employment. Unsupported states are not calculated.
Under 65, no dependents or additional credits, ordinary W-2 wages only. Dual-earner households, separate filing and head of household are not supported. Inputs are calculated in your browser and are not saved on a server.
Estimated monthly take-home · annual calculation ÷ 12
Monthly average of federal annual income tax/AMT and annualized current state withholding rules. Local taxes use selected cities/counties or your manual assumptions. Midyear rate changes, paycheck rounding and year-end refunds are not reproduced.
Monthly deductions
Deduction details
Federal tax: 2026 standard deduction $16,100 single / $32,200 married joint; progressive rates 10–37%. AMT adds back the standard deduction and uses the 2026 exemption with a 50% phaseout.
Social Security 6.2% up to $184,500. Medicare 1.45% without a cap. Additional Medicare 0.9% above $200,000 single / $250,000 joint. Employer withholding begins at $200,000 and can differ.
CA uses the 2026 EDD Method B annual withholding schedule, not final return tax rates. Applies regular DE 4 allowances and low-income exemption. SDI is 1.3% of all wages.
NY uses 2026 Method II/III annual withholding, including high-income transitions. NYC uses its own official table; Yonkers residents pay 16.75% of state withholding. Same-state residence/employment; no commuting into Yonkers from outside.
NY PFL is 0.432%, capped at $411.91/year. DBL is 0.5%, capped at $0.60/week × 52. Your employee/employer contribution selection applies. Traditional 401(k) supports only the $24,500 annual base limit.
Under-65 ordinary W-2 wages, single or one-earner married joint, standard deduction. Dependents, tax credits (including EITC), refunds, tips/overtime deductions, health insurance, HSA, itemized deductions, multiple employers, interstate income, state AMT, extra insurance, Roth and catch-up contributions are outside the supported scope.
Current wage withholding for all 50 states. Newly added states default to 0 elected form allowances. AZ uses the A-4 elected percentage (default 2%); CT uses single code F / one-earner married code C; CO assumes no DR 0004 adjustment. PA includes 401(k) in state wages. Extra deductions and low-income credits are excluded.
What is your time worth?
Working hours change the value of your time, even with the same salary.
Value of one hour
—Per hour workedValue of one week
—Annual income ÷ 52 weeksValue of one month
—Annual income ÷ 12 monthsValue of one year
—세후 소득 기준Hourly value = annual income ÷ (weekly work hours × 52). An income/time indicator, not a statutory hourly wage or minimum-wage test.
Calculation method and scope
Monthly average of federal annual income tax/AMT and annualized current state withholding rules. Local taxes use selected cities/counties or your manual assumptions. Midyear rate changes, paycheck rounding and year-end refunds are not reproduced.
Under 65, no dependents or additional credits, ordinary W-2 wages only. Dual-earner households, separate filing and head of household are not supported.
Salary simulation
Move the slider to explore take-home pay and tax brackets.
Please check the settings above first.
Background bands show national income-tax brackets, not the effective or total incremental deduction rate. Insurance grades and deduction changes may cause steps. The slider does not change your salary input.
The graph uses the selected country’s calculation method and supported scope.
Service · privacy · contact
Inputs are calculated in your browser and are not saved on a server.
PayValue does not save salary/family inputs on a server or send them to analytics. Only country/language preferences are stored in this browser. Google Analytics may collect page views, referrals, devices, scrolling, external-link clicks and cookies. Google Signals and ad personalization are disabled. Hosting providers may process access logs.
Frequently asked questions
Under 65, no dependents or additional credits, ordinary W-2 wages only. Dual-earner households, separate filing and head of household are not supported.
Monthly average of federal annual income tax/AMT and annualized current state withholding rules. Local taxes use selected cities/counties or your manual assumptions. Midyear rate changes, paycheck rounding and year-end refunds are not reproduced.
Inputs are calculated in your browser and are not saved on a server.