How to Calculate 2026 Take-Home Pay
Your monthly take-home pay is your gross salary minus federal income tax, Social Security, and Medicare (FICA). This calculator uses 2026 single-filer rates with the standard deduction of $15,000. State income taxes are not included.
2026 US Payroll Tax Rates
| Tax | Rate | Notes |
|---|---|---|
| Social Security | 6.2% | Wage base limit: $176,100 |
| Medicare | 1.45% | No wage base limit |
| Federal Income Tax | 10%–37% | Progressive brackets |
| Standard Deduction | $15,000 | Single filer 2026 |
Note: This estimate is for a single filer with no dependents or itemized deductions. Actual withholding may differ based on your W-4, filing status, and state taxes.
Frequently Asked Questions
What is the take-home pay on a $75,000 salary?
In 2026, a $75,000 salary gives approximately $5,000–$5,200 per month after federal taxes and FICA for a single filer using the standard deduction.
Does Social Security tax have a cap?
Yes. Social Security tax only applies to wages up to $176,100 in 2026. Medicare tax has no cap, though wages above $200,000 incur an additional 0.9% surtax.