Gross to Net Calculator (Calculate Your Take-Home Pay After Taxes)
Gross to Net Calculator USA 2026: Convert Your Salary to Take-Home Pay
Gross to Net Pay Calculator USA 2026
Enter your gross salary or hourly rate and see exactly what lands in your bank account. Covers federal tax, state tax, FICA, and your benefit deductions — for every US state in 2026.
Uses current IRS marginal rates and the 2026 standard deduction for accurate federal withholding estimates.
6.2% SS up to the $184,500 wage base and 1.45% Medicare on all wages. Includes 0.9% additional Medicare for high earners.
Applies approximate effective state income tax rates. Nine states have zero broad wage income tax.
Add 401(k), HSA, health insurance, Roth 401(k), and other deductions to get a realistic net pay figure.
Hourly workers can add regular and overtime hours. Choose 1.5x, double time, or a custom overtime multiplier.
See your net pay for weekly, biweekly, semi-monthly, and monthly schedules side by side in one table.
Enter your annual salary and get a per-paycheck net pay breakdown with all taxes and deductions itemized.
Enter your hourly rate and hours worked. Add overtime to see the full picture before payday.
Compare offers by converting gross salary numbers to real take-home pay before accepting a new role.
See how moving to a different state changes your net pay due to state income tax differences.
Enter your annual salary or hourly rate. Hourly workers can add overtime hours and select the overtime multiplier.
Select your work state, federal filing status, and number of dependents. These determine your federal and state income tax withholding.
Enter any pretax deductions such as 401(k) or health insurance, and post-tax deductions like Roth 401(k) contributions.
Get a full breakdown per paycheck and annually, with a pay frequency comparison and personalized insights.
Salary ÷ Pay Periods | Hourly Rate × Hours
401(k) + HSA + Health + Other
Gross − Pretax Deductions
2026 Brackets + Standard Deduction
6.2% up to $184,500 annual wages
1.45% all wages + 0.9% over $200,000
Approximate effective rate for selected state
Roth 401(k) + Other
What you receive per paycheck
The standard deduction is applied annually to calculate federal taxable income before converting back to a per-paycheck amount. State income tax uses approximate effective blended rates. Local taxes, garnishments, and employer-specific plan rules are not modeled.
2026 Federal Standard Deductions
Single: $13,850 | Married Filing Jointly: $27,700 | Head of Household: $20,800. These are subtracted from your annual taxable wages before applying the federal tax brackets.
2026 Social Security Wage Base
The Social Security taxable wage base is $184,500 for 2026. Wages above this are not subject to the 6.2% employee SS tax. Medicare tax (1.45%) applies to all wages with no cap. See the FICA tax calculator for a detailed FICA breakdown.
Pretax vs Post-Tax Deductions
Pretax deductions like traditional 401(k) contributions reduce your taxable income. Post-tax deductions like Roth 401(k) do not reduce taxable income but grow tax-free in retirement. Use our pretax deduction calculator to model specific scenarios.
States With No Wage Income Tax
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming do not tax ordinary wages at the state level. Workers in these states keep more of their gross pay compared to high-tax states like California or Oregon.
Additional Medicare Tax
The additional 0.9% Medicare tax applies to wages above $200,000 for single filers and $250,000 for married filing jointly. Employers withhold this automatically once your wages pass the $200,000 threshold in a calendar year, regardless of filing status.
Gross to Net vs Net to Gross
This tool converts gross pay to net take-home pay. If you need to work backwards from a target net pay, use the net to gross calculator. For full payroll modeling, see the paycheck calculator.
These examples use 2026 rates, standard deductions, and no benefit deductions. Actual results depend on your specific elections, deductions, and employer.
Single filer, biweekly pay, no benefit deductions. Filing taxes in a no-state-tax state saves ~$3,000–$5,000 compared to medium-tax states.
Single filer, biweekly pay, no deductions. California's state tax meaningfully reduces take-home pay compared to zero-tax states.
Single filer, biweekly. Overtime at 1.5x included. Ohio has a relatively low flat-rate state tax compared to Northeast states.
Single filer, biweekly, with $300/paycheck 401(k) deduction. New York's higher state tax rate noticeably lowers take-home vs. low-tax states.
Gross pay is what you earn before any taxes or deductions. Net pay is what you actually receive in your bank account after federal income tax, state income tax, Social Security, Medicare, and any benefit deductions are removed. The difference between the two is often surprising, especially for first-time workers or people moving to higher-tax states.
Net pay = Gross pay minus pretax deductions minus federal income tax minus Social Security tax (6.2% up to $184,500) minus Medicare tax (1.45% on all wages, plus 0.9% for earnings above $200,000) minus state income tax minus post-tax deductions. Each line item reduces your gross until you reach your take-home amount.
The Social Security taxable wage base for 2026 is $184,500 as set by the Social Security Administration. Earnings above this amount are not subject to the employee 6.2% Social Security tax. Medicare tax continues to apply to all wages with no cap, and the additional 0.9% Medicare surtax applies above $200,000 (single filers) or $250,000 (married filing jointly).
Yes. The calculator applies approximate effective state income tax rates for all 50 US states and Washington DC. Nine states have no broad wage income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. The state tax figures in this tool are estimates based on blended effective rates and do not include local or city taxes, which may apply in places like New York City or Philadelphia.
Traditional 401(k) and 403(b) contributions, pretax health insurance premiums paid through employer cafeteria plans, HSA contributions, and FSA contributions are deducted from gross pay before federal and most state income taxes are calculated. This lowers your taxable income and reduces how much federal and state tax you owe each paycheck.
This calculator uses 2026 federal income tax brackets, the 2026 standard deductions, the 2026 Social Security wage base of $184,500, and approximate state income tax rates. Results are planning estimates. Your actual paycheck may differ based on your employer's payroll system, your W-4 elections, local income taxes, specific benefit plan rules, and mid-year changes to your income or deductions.
Gross to net starts with your gross pay and calculates your take-home pay after taxes and deductions. Net to gross works in the opposite direction: you enter the target net amount you want to receive, and the calculator determines what gross pay is required. If you need to gross up a net amount, use our net to gross calculator.
Yes. Hourly workers can enter their regular hours and overtime hours separately. Overtime can be calculated at 1.5x (time and a half), 2.0x (double time), or a custom multiplier. The combined regular and overtime gross is then used as the basis for all tax and deduction calculations. For more overtime scenarios, use our overtime calculator.
Data Sources
- IRS Publication 15-T (2026) — Federal income tax withholding methods and 2026 tax brackets used in this calculator.
- Social Security Administration — 2026 Social Security taxable wage base of $184,500.
- IRS Rev. Proc. 2023-34 — Standard deduction figures for 2026 tax year.
- IRS Notice 2013-54 / IRC §3101(b)(2) — Additional Medicare tax rate of 0.9% on wages above applicable thresholds.
- State Revenue Departments — Approximate effective state income tax rates are derived from publicly available state tax schedules. Rates are blended estimates for planning purposes and do not reflect exact state withholding formulas.
- US Department of Labor — Overtime rules under the Fair Labor Standards Act referenced for hourly worker scenarios.
Tax figures in this tool are estimates for planning purposes only. Tax law changes, individual circumstances, W-4 elections, employer payroll system differences, and local income taxes can all affect your actual paycheck. This tool does not constitute tax, legal, or financial advice. Consult a qualified tax professional for personal guidance.
This calculator runs entirely in your browser. No salary data, income figures, or personal information is stored, tracked, or transmitted to any server beyond the calculation request. We do not collect your financial information. No account or sign-up is required.
This gross to net calculator was developed and reviewed for accuracy and usability by Eman Ali Mughal. All tax figures use publicly available 2026 IRS, SSA, and state revenue data. Assumptions are documented in the data sources section above.