United States · United States

US take-home pay by state in 2026: federal tax plus state income tax

How IRS 2026 federal brackets, Social Security, Medicare, and 2025 state income-tax tables combine—and why Texas, Florida, California, and New York are not the same paycheck.

A US salary is never only a federal number. Employee Social Security and Medicare apply in every state. State income tax applies in most states, at rates that range from zero to more than 13% at the top band. Local taxes, which this calculator does not include, can add another layer in places such as New York City.

What this calculator includes

Federal income tax uses the IRS 2026 inflation-adjusted brackets and the 2026 single-filer standard deduction. Social Security uses the 2026 employee OASDI rate of 6.2% up to the wage base. Medicare is 1.45%, plus 0.9% additional Medicare above the single-filer threshold. State income tax uses 2025 single-filer brackets and listed standard deductions compiled by the Tax Foundation from official state sources.

States with no wage income tax

Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Wyoming, and Washington do not tax wage income in this model. New Hampshire does not tax wage income either. Washington’s capital-gains tax is outside paycheck scope. Choosing one of these states shows federal tax and payroll contributions only.

High-tax states

California’s top band is 13.3% in the 2025 tables used here. New York, New Jersey, Oregon, Minnesota, and Hawaii also have high top rates. Combined with 37% federal tax, the top modeled combined rate can exceed 50% on the last dollar of taxable income. That is a marginal rate, not the rate on your whole salary.

How to compare states

Open Compare while the United States is selected. The default view ranks all 50 states on the same annual gross using federal 2026 rules plus that state’s 2025 wage income tax. You can then switch to other countries if you are weighing a US offer against Canada, Germany, or the UK. Amounts stay in US dollars for the state table.

What is not included

Filing jointly or as head of household, itemized deductions, state credits, city income tax, unemployment insurance deducted from wages in some states, 401(k) deferrals, and HSA contributions are outside this profile. The result is the published-rule take-home for a single filer with the standard deduction—not a Form W-4 or a CPA return.

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United States 2026 tax year
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United States · 2026 tax year

See your US take-home pay by state.

Federal income tax, Social Security, Medicare, and 50-state income-tax rates from official 2026 and 2025 published tables—so you can compare a California offer with Texas, New York, or Florida on the same salary.

Made for clearer money decisions. Tax data: 2026 · U.S. state brackets: provisional 2025 · Cost data: community snapshots

Published 2026 tax-year rules · official sources linked below

01 — YOUR SCENARIO

Start with the offer

Live calculation

Federal single filer · 2026 IRS rules · add a state for state income tax

Enter a gross annual salary before deductions.

Cost of living · optional
＋Pay and work schedule
Bonuses and commissions
＋Tax profile · optional

Customize the German estimate if you know these details. The default profile is used otherwise.

Calculations run in this browser; account sync is optional.

Enter a salary to see take-home pay.

02 — YOUR TAKE-HOME

US · 2026

Take-home pay

$— / month

$— take-home per year

How gross pay is divided
In your pocket — Income tax — Payroll —

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More charts and details

Optional breakdown of tax bands, monthly cashflow, and effective versus marginal rates.

Monthly split of this salary

Effective rate versus top marginal rate

How taxable income is taxed

Top income-tax rates

Top marginal income-tax rates from the published tables in this profile. Payroll contributions and local taxes are excluded.

CountryTop rateSelection

Not tax advice. Rules vary by country, region, deductions, and payroll setup. Review the assumptions and official sources before making decisions. assumptions and sources

What’s included, and which sources?

The country models are starting-point estimates, not payroll calculations.

Estimates exclude individual credits and payroll adjustments and may differ from a payslip or tax return.

Tax references and data sources