United States take-home pay calculator

Tax year 2026 (Jan 1 – Dec 31, 2026)

Region(required)

Gross pay

Pay frequency

Filing status

Pre-tax 401(k)

Traditional elective deferral — reduces taxable income, not FICA. Cap $24,500/yr (under age 50).

Advanced options

Your age

Age 50+ / 60–63 raise the 401(k) elective deferral cap; age 55+ adds the fixed $1,000 HSA catch-up when present in the verified national file.

Dependents

Adds state/city personal exemptions beyond yourself (and spouse if MFJ) where the state file models them. Federal tax credits for dependents are not modeled.

Roth 401(k)

Does not reduce taxable income. Real plans share the elective deferral limit with pre-tax 401(k).

HSA coverage

HSA contribution (annual)

Self-only $4,400; family $8,750; +$1,000 if age ≥ 55. Payroll HSA reduces FICA. Some states (e.g. California) do not conform — HSA still counts in state wages.

Other pre-tax benefits (annual)

Health/dental/vision, FSA, dependent-care FSA, commuter — reduces AGI and FICA.

Federal deduction

Results update as you type. Methodology · Annual figures are exact; per-paycheck figures are rounded.

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