Personal Track - Gross to Net Calculator

Gross to Net Income Calculator (2026) - All 50 States

Enter your gross salary, filing status, state, and pre-tax deductions. Uses 2026 federal brackets, the $184,500 SS wage base, and your state's income tax rate. Verified April 2026.

Gross Annual Salary

Filing Status

State

Pre-Tax Deductions (Annual)

Traditional 401(k)

HSA (via Sec 125)

Health Insurance Premium

Other Pre-Tax (FSA, etc)

View By

Net Take-Home (annual)

$72,145

80.2% of gross

Gross Pay$90,000
Federal Income Tax-$10,970
Social Security (6.2%)-$5,580
Medicare (1.45%)-$1,305
Net Take-Home$72,145

Eff. Federal Rate
12.2%
Eff. Total Rate
19.8%

How This Calculator Works

The calculator applies deductions in the correct order: first, pre-tax deductions reduce your taxable wages. Federal income tax is then calculated on the reduced taxable income (after the standard deduction). State income tax is calculated on wages after pre-tax deductions. Social Security (6.2%) and Medicare (1.45%) apply to your gross wages minus HSA, health premium, and FSA - but not minus 401(k) contributions (which do not reduce FICA). The Additional Medicare surtax of 0.9% applies when wages exceed the filing-status threshold.

The 2026 federal brackets are applied to taxable income (gross minus pre-tax deductions minus the standard deduction). The 2026 standard deduction is $16,100 for single filers and $32,200 for married filing jointly ($24,150 head of household). The Social Security wage base is $184,500 - the maximum SS tax you can pay in 2026 is $11,439 ($184,500 x 6.2%).

State tax rates are simplified in some cases. For graduated-bracket states, the calculator uses the marginal rate applied to the post-deduction income. For exact state calculations, see incometaxbystate.com. For full California paycheck breakdowns, see paycheckcalculatorforcalifornia.com.

Calculator FAQs

What about bonus income or RSU vesting?

Supplemental wages like bonuses and RSU vesting are typically withheld at a flat 22% federal rate (the supplemental withholding rate for amounts under $1M). This is withholding, not your actual tax rate. Your actual tax on bonuses is determined at year-end by your marginal bracket. Include bonus income in the gross figure for an annual estimate.

Does this calculator work for hourly workers?

Yes - enter your expected annual earnings (hourly rate x hours per week x 52) as the gross salary. For overtime calculations: regular hours at base rate + overtime hours at 1.5x rate, summed for the year.

Does this include the Additional Medicare surtax?

Yes. The calculator automatically applies the 0.9% Additional Medicare Tax when gross wages exceed $200,000 for single filers, $250,000 for married filing jointly, and $125,000 for married filing separately. The threshold used depends on the filing status you select.

What if I am self-employed with 1099 income?

This calculator is designed for W-2 employees. Self-employed workers face a different structure: 15.3% self-employment tax (versus 7.65% FICA for employees) on 92.35% of net earnings, plus the ability to deduct half of SE tax above the line. See the 1099 guide at /on-1099 for the self-employment calculation.