Gross to take-home — federal + all 50 state taxes, FICA, and every pay period
Annual Take-Home Pay
$0
after all taxes and deductions
Take-Home
Federal Tax
State Tax
FICA (SS + Medicare)
Texas — No state income tax
$0 state tax
Gross Income
$0
100%
Federal Income Tax
$0
eff. 0%
State Income Tax
$0
eff. 0%
FICA (SS + Medicare)
$0
7.65%
Effective Federal Rate
0.0%
Effective State Rate
0.0%
Total Tax Burden
0.0%
Marginal Fed. Bracket
0%
Period
Gross
Total Tax
Take-Home
Estimates based on 2026 US tax brackets, standard deductions, and employee-side FICA rates. Does not account for pre-tax deductions (401k, HSA, FSA), local/city taxes, additional Medicare tax on income over $200k, or non-standard situations. Consult a tax professional or CPA for personalized advice.
FREQUENTLY ASKED QUESTIONS
How accurate are these estimates?
This calculator uses 2026 federal and state tax brackets with standard deductions for your filing status. The estimates are a reliable starting point, but your actual paycheck will differ if you have pre-tax deductions (401k, HSA, health insurance), itemized deductions, tax credits, or live in a city with a local income tax like New York City, Philadelphia, or Columbus.
What is the standard deduction?
The standard deduction is subtracted from your gross income before calculating federal tax. For 2026: Single filers get $15,000; Married Filing Jointly $30,000; Head of Household $22,500. Most people take the standard deduction rather than itemizing, as it's simpler and often larger.
What is FICA?
FICA stands for Federal Insurance Contributions Act — it covers Social Security (6.2% on wages up to $176,100 in 2026) and Medicare (1.45% on all wages, plus 0.9% on wages over $200,000). Your employer matches these contributions separately — the 7.65% shown here is only the employee portion.
Which states have no income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming have no state income tax on wages. Washington D.C., New York, and California have the highest combined tax burdens. Moving states can significantly change your net pay.
What is the difference between effective and marginal tax rate?
The marginal rate is the bracket your last dollar of income falls into — your top rate. The effective rate is total taxes paid divided by gross income — your actual average rate. Because the US has progressive brackets, the effective rate is always lower than the marginal rate. Only the amount in each bracket is taxed at that bracket's rate.