2026 U.S. Tax Calculator & Take-Home Pay
completely free
easy to use
your numbers stay here
Simply enter your yearly income to estimate your take-home pay, federal income tax, state taxes, and payroll taxes.
50 states
2026 federal brackets
100% calculated locally
completely free
Mandatorycomplete these fields to calculate your estimate.
Annual earned income
$
Spouse W-2 income
$
State of residence
Filing status
Employment type
Qualifying children
Optionalenter annual household contributions and taxable income, not tax paid.
Traditional 401(k) (pre-tax)
$
Roth 401(k) (after-tax)
$
HSA catch-up age
HSA coverage
HSA contribution
$
Other taxable income
$
Local income tax
%
How accurate is this estimate?A planning estimate based on supported 2026 tax rules; your actual result may differ.
Is this the same as my tax return?No. It estimates take-home pay and income-tax liability but does not prepare or file a return.
Does StateTax store my numbers?No. Calculator entries stay in your browser and are not stored by StateTax.
$36,578
take-home pay$8,422
in taxes
Take-home
Contributions
Federal
State
Local
Payroll
$45,000before tax
Federal income tax0.00%−$3,220
Child tax credit+$0
Colorado income tax0.00%−$1,760
Local income tax0.00%−$0
0.00%−$2,790
Medicare0.00%−$653
Retirement + HSA contributions−$0
Attentionproperty, sales, and net-worth taxes are not included in this estimate.
Federal income tax withheld
$
$3,220 due
State + local income tax withheld
$
$1,760 due
Attention
Federal income tax2026 brackets, filing status, deductions, and supported credits.
State income taxPublished state rates and supported deductions for your selected state.
Payroll taxesSocial Security and Medicare treatment based on employment type.