Salary Calculator USA 2026

Free professional salary calculator for the United States. Calculate take-home pay with federal & state taxes, FICA, tax credits, and pre-tax deductions.

Tax Year 2026 · All 50 States · Tax Credits Included

Most accurate free calculator available: Now includes all 4 filing statuses (Single, MFJ, MFS, HoH), local city taxes (NYC, Yonkers, Philadelphia), California SDI, 401(k) catch-up contributions for age 50+, and tax credits (Child Tax Credit, EITC).

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Salary Calculator

State-specific federal & state tax breakdown with credits and deductions.

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Hourly Wage

Convert hourly rate to weekly, monthly, and annual income.

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Loan Calculator

Monthly payments, total interest, and payoff visualization.

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Budget Tool

Categorized expenses analyzed with the 50/30/20 rule.

About Salary Calculator USA 2026

The most comprehensive free US salary calculator available, designed to help American workers understand their true take-home pay with maximum accuracy.

Comprehensive Features

  • All 4 filing statuses — Single, Married Filing Jointly, Married Filing Separately, Head of Household
  • All 50 states + D.C. with proper progressive brackets per filing status
  • Local city taxes — New York City (3.876%), Yonkers (1.95%), Philadelphia (3.75%)
  • California SDI — State Disability Insurance (1.2%)
  • 401(k) catch-up — Extra $7,500 for workers age 50+
  • Tax Credits — Child Tax Credit ($2,000/child) and Earned Income Tax Credit (EITC)
  • Pre-tax deductions — 401(k), HSA, FSA, health insurance
  • FICA breakdown — Social Security ($184,500 cap) + Medicare with Additional Medicare Tax
  • Privacy-first — All calculations run in your browser; we never see or store your data

Salary After Tax

Tax year 2026 — Complete federal, state, local taxes, FICA, credits, and deductions.

Income & Status
Age 50+ qualifies for $7,500 401(k) catch-up contribution
Tax Credits (Optional)
Child Tax Credit: $2,000 per child
Credit for Other Dependents: $500 each
Pre-Tax Deductions (Optional)

Hourly Wage Calculator

Convert your hourly pay into daily, weekly, monthly, and annual figures.

Loan Calculator

Calculate monthly payments and visualize principal vs interest over time.

Budget Calculator

Track monthly expenses by category and analyze with the 50/30/20 rule.

Monthly Income
Needs (target 50%)
Wants (target 30%)
Debt & Other

Frequently Asked Questions

How accurate is this 2026 salary calculator?
This calculator is among the most accurate free tools available. It uses official 2026 IRS brackets, all 4 filing statuses with proper bracket adjustments, local city taxes (NYC, Yonkers, Philadelphia), California SDI, tax credits (Child Tax Credit, EITC), and 401(k) catch-up for age 50+. For complex situations involving itemized deductions, capital gains, or self-employment income, consult a CPA.
What's the difference between Married Filing Jointly and Separately?
Married Filing Jointly (MFJ) combines both spouses' incomes with wider brackets — usually the lower tax option. Married Filing Separately (MFS) treats each spouse separately with brackets typically half of MFJ. MFS is rarely beneficial except in specific cases (e.g., income-based student loan repayment, separating tax liability).
Are local city taxes included?
Yes! Major local taxes are now included: New York City (3.078% to 3.876% progressive), Yonkers NY (~1.95% surcharge), and Philadelphia PA (3.75% non-residents, 3.79% residents). Select your locality in the dropdown after choosing your state.
What is California SDI and why is it deducted?
California State Disability Insurance (SDI) is mandatory for most CA workers — 1.2% of wages with no cap as of 2026. It funds short-term disability and paid family leave benefits. The calculator automatically applies SDI when California is selected.
How does Child Tax Credit work?
The Child Tax Credit provides $2,000 per qualifying child under age 17 (up to $1,700 refundable). Up to $500 non-refundable Credit for Other Dependents covers older children, parents, or other qualifying relatives. Credits phase out at higher incomes ($200K single, $400K married).
What is EITC and do I qualify?
Earned Income Tax Credit (EITC) is a refundable credit for low-to-moderate income workers. 2026 maximum credits: $649 (no children), $4,328 (1 child), $7,152 (2 children), $8,046 (3+ children). Income limits apply (~$19K single no kids, up to ~$67K married 3+ kids).
What is the 50/30/20 budgeting rule?
Spend 50% of after-tax income on needs (housing, food, utilities), 30% on wants (entertainment, dining), and 20% on savings and debt repayment.
Does this calculator save my data?
No. All calculations run entirely in your browser. Your salary, expenses, and personal information are never sent to any server, stored, or transmitted.