Personal tax / Free financial tools

Income Tax & Take-Home Pay Calculator

Estimate federal income tax and annual take-home pay, then see what that means monthly, weekly and per pay period.

US federal • 2026 · Instant results · No sign-up

Enable JavaScript to use this interactive calculator. The calculation method and assumptions are explained below.

How this calculator works

The model subtracts the standard deduction and entered adjustments, applies each federal tax band, then subtracts income tax, employee payroll taxes and entered cash deductions. Traditional retirement contributions reduce income tax here but not FICA wages.

Planning estimate only. Review the assumptions alongside the result before using it for a tax, financing or business decision.

IRS 2026 tax tables · SSA 2026 payroll wage base

Common questions

Is this my exact paycheck?

No. It estimates annual liability spread evenly across the year. W-4 choices, payroll timing and employer benefit treatment can change withholding.

Which tax items are excluded?

Itemized deductions, age/blindness additions, special senior/tips/overtime deductions, refundable credits, AMT, other income and state tax rules are not calculated. Enter only eligible adjustments and nonrefundable credits.

Put your numbers into context.

A calculator can help you ask better questions. Tell ZTax what you are planning and we will discuss the records, scope and support you need.

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