US Gross to Net Calculator 2026
Convert any annual gross salary to net (take-home) pay after federal income tax, Social Security, Medicare and state tax, using the official 2026 rules.
Free · No sign-up · Runs in your browser · Last reviewed November 2026
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Educational estimate only — not tax, legal or financial advice. Actual withholding depends on your Form W-4, your employer and local rules. Confirm with a tax professional or IRS.gov.
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$75,000 take-home pay: scenarios (2026)
With no 401(k) or other pre-tax deductions:
| Scenario | Take-home / year | Per month | Per biweekly paycheck |
|---|---|---|---|
| Single, no state tax | $61,592 | $5,133 | $2,368.94 |
| Single, 5% state tax | $57,842 | $4,820 | $2,224.71 |
| Married filing jointly, no state tax | $64,622 | $5,385 | $2,485.48 |
| Head of household, no state tax | $63,514 | $5,293 | $2,442.87 |
State income tax varies, so use the calculator above with your state’s rate. For a per-paycheck estimate and every state, see the US paycheck calculator.
How your 2026 paycheck is calculated
Your take-home pay is your gross pay minus federal income tax, Social Security and Medicare (together called FICA), state income tax and any pre-tax deductions such as a 401(k). This calculator uses the 2026 federal rules from the IRS and the Social Security Administration:
- Standard deduction (2026): $16,100 single, $32,200 married filing jointly, $24,150 head of household. It is subtracted from your income before the brackets apply.
- Social Security: 6.2% of wages up to the 2026 wage base of $184,500.
- Medicare: 1.45% of all wages, plus 0.9% on wages above $200,000 (single or head of household) or $250,000 (married filing jointly).
- Pre-tax 401(k): reduces the income that federal and state income tax apply to, but not Social Security or Medicare.
- Pre-tax benefits such as health insurance premiums paid through your employer reduce income tax and also FICA wages.
2026 federal income tax brackets
| Rate | Single (taxable income) | Married filing jointly |
|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 |
| 37% | $640,600 – and above | $768,700 – and above |
Rates apply only to the part of your taxable income inside each bracket (taxable income is income after the standard deduction and pre-tax deductions). Head of household brackets are slightly wider than single. Source: IRS Rev. Proc. 2025-32 and SSA.
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Frequently asked questions
What is the difference between gross and net pay?
Gross pay is before taxes and deductions. Net pay, or take-home pay, is what you receive after federal income tax, Social Security, Medicare, state tax and pre-tax deductions.
How do I convert gross salary to net?
Subtract federal income tax (on income after the standard deduction), Social Security (6.2% up to $184,500), Medicare (1.45%), state tax and pre-tax deductions from your gross salary. For a single filer with a $75,000 salary and no state tax, net pay is about $61,592 a year.
Which tax rules are used?
The 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household), the 2026 federal brackets and the 2026 Social Security wage base of $184,500.
Does it include state tax?
Only the state rate you enter. Enter 0% for states without wage income tax, or your state’s rate.
Is this calculator free?
Yes, free and with no signup. It is an estimate and not tax advice.