Take-Home Pay Calculator
Estimate your net pay after taxes, deductions, and contributions — with the working shown, line by line.
Updated for tax year 2026 · USA, UK, Australia & NZ rates verified Oct 2026Salary Details
Please enter a salary between $1 and $10,000,000.
Salary Details
Please enter a salary between £1 and £10,000,000.
Salary Details
Please enter a salary between $1 and $10,000,000.
Salary Details
Please enter a salary between $1 and $10,000,000.
Salary Details
Please enter a salary between $1 and $10,000,000.
Breakdown
- Gross pay$60,000
- Federal income tax−$5,020
- Social Security−$3,720
- Medicare−$870
- 401(k) contribution−$0
See how this is calculated
Instant Breakdown
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How the USA calculation works — tax year 2026
Federal income tax in the USA is charged in slices: only the dollars inside each band are taxed at that band’s rate. A higher salary never makes your take-home pay go down. FICA — Social Security and Medicare — is charged on top, at flat rates.
Worked example: $60,000 salary, single filer, 2026
| Step | Amount |
|---|---|
| Gross salary | $60,000 |
| Standard deduction (single, 2026) | −$16,100 |
| Taxable income | $43,900 |
| Federal tax: 10% × $12,400 = $1,240, plus 12% × $31,500 = $3,780 | $5,020 |
| FICA: Social Security 6.2% + Medicare 1.45% = 7.65% × $60,000 | $4,590 |
| Take-home pay | $50,390 / year — about $4,199 / month |
Social Security is only charged on the first $184,500 of wages in 2026 (the wage base, up from $176,100 in 2025). Medicare has no cap, and an extra 0.9% applies on wages over $200,000 (single) or $250,000 (married filing jointly). State income tax, health-insurance premiums and 401(k) contributions are not in this example — they change the result, which is why every figure on this site is an estimate.
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