US paycheck calculator

See what is left of your salary after federal income tax, Social Security and Medicare in 2026, then what that means for your monthly budget and mortgage.

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Your salary

Take-home pay (your paycheck)

$4,199.17

Gross $5,000.00

ItemAmount
Gross pay$5,000.00
Federal income tax
How it's worked out
  • Standard deduction: $16,100
  • 10% on $0 to $12,400: $1,240
  • 12% on $12,400 to $43,900: $3,780
−$418.33
Social Security−$310.00
Medicare−$72.50
Total deductions−$800.83
Take-home$4,199.17

Effective rate 16% · Marginal rate 19.7%

Things to know
  • State income tax is not included. Pick a state or enter your own rate.

What you could afford

Estimated home price: $276,181

Monthly payment budget: $1,400 · Loan supported: $226,181

The rate is an editable assumption (last reviewed 2026-11-12), not a live rate.

Monthly budget (50/30/20)

  • Needs: $2,100
  • Wants: $1,260
  • Savings: $840
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Salaries after tax

2027 figures (from January 1, 2027)

The 2027 tax year starts on January 1, 2027. These pages already use its published rules.

How it works

  1. Enter your salary. Everything is worked out in your browser: nothing is sent to a server and nothing is stored.
  2. Every figure shows how it was calculated and links to the official source for the 2026 rules.
  3. Then see your monthly budget and roughly how much home that income supports.