Choose Your Tax Calculation Tool
Focusing on US retirement planning? Try our 401(k) Match Value Calculator to model your 401(k) contribution, employer match, and IRS limits in detail.
💡 Quick Note
These calculations are estimates based on 2026 tax rates and should be used for planning purposes. Your actual tax amount may vary based on your specific situation, additional deductions, or credits. For official tax filing, we recommend consulting with a tax professional.
Tax Exemptions
Toggle off any taxes that don't apply to your situation
Federal tax based on your income bracket
Select a state to see rate
Applies to wages up to $168,600
Additional 0.9% applies to income over $200k/$250k
Income that is not subject to federal income tax (e.g., municipal bond interest, certain benefits)
Eligible for Child Tax Credit ($2,000 per child)
Tax Calculators for 40+ Countries
Get detailed tax calculations optimized for your country with dedicated calculator pages
Calculate Your Salary, Hourly Wage, and Paycheck Taxes
Our free tax calculator helps you understand exactly how much you'll take home after taxes, regardless of how you're paid.
Enter your annual salary to see your take-home pay after all taxes and deductions. Perfect for salaried employees who want to understand their net income.
- • Federal and state/provincial taxes
- • Social security and Medicare
- • CPP, EI, and other deductions
- • Monthly and bi-weekly breakdowns
Enter your hourly rate and hours per week to calculate your annual salary and take-home pay. Includes overtime calculations.
- • Hourly to annual conversion
- • Overtime pay calculations
- • Net hourly rate after taxes
- • Compare different work schedules
See exactly what's deducted from each paycheck. Works for weekly, bi-weekly, semi-monthly, or monthly pay periods.
- • All tax withholdings
- • Social security deductions
- • Retirement contributions
- • Net pay per paycheck
401k Calculator - Compare Traditional vs Roth 401k Contributions
Our paycheck tax calculator includes a comprehensive 401k calculator to help you compare Traditional and Roth 401k contributions, calculate tax savings, see employer match impact, and project long-term retirement balances.
Calculate how Traditional 401k contributions reduce your taxable income and save you money on taxes this year. See your tax savings per paycheck and take-home pay impact.
- • Pre-tax contributions reduce taxable income
- • Immediate tax savings this year
- • Higher take-home pay now
- • Taxes paid when withdrawn in retirement
- • Employer match included in calculations
Calculate how Roth 401k contributions affect your take-home pay. Pay taxes now but enjoy tax-free withdrawals in retirement.
- • Post-tax contributions (no current tax savings)
- • Tax-free withdrawals in retirement
- • Better if tax rates increase
- • Lower take-home pay now
- • Employer match still pre-tax (Traditional)
See exactly how much you save in taxes this year with Traditional 401k contributions, including per-paycheck savings.
Calculate employer match under both Traditional and Roth scenarios. See total yearly employer contribution.
Project your retirement balance after 20+ years with customizable expected returns and contribution amounts.
Compare Traditional vs Roth 401k side-by-side to see tax impact, take-home pay difference, and retirement projections.
Understanding FICA, HSA, FSA, and Tax Deductions
Learn about common payroll deductions, tax-advantaged accounts, and how they affect your take-home pay
FICA taxes fund Social Security and Medicare programs. These are mandatory payroll taxes deducted from every paycheck for most US employees.
- • Social Security: 6.2% of wages up to $168,600 (2024 wage base limit)
- • Medicare: 1.45% on all wages
- • Additional Medicare: 0.9% on wages over $200,000 (single) or $250,000 (married)
- • Total FICA: 7.65% for most employees (up to wage base)
Use our tax calculator to see exactly how much FICA is deducted from your paycheck based on your income level.
HSA is a tax-advantaged savings account for medical expenses. Contributions are pre-tax, reducing your taxable income and saving you money on taxes.
- • Pre-tax contributions: Reduce taxable income
- • Tax-free withdrawals: For qualified medical expenses
- • 2024 limits: $4,150 (individual) or $8,300 (family)
- • 2025 limits: $4,300 (individual) or $8,550 (family)
- • Requirement: Must have a high-deductible health plan (HDHP)
HSA contributions are deducted from your paycheck before taxes, lowering your taxable income and increasing your take-home pay.
FSA is an employer-sponsored account that lets you set aside pre-tax money for medical or dependent care expenses.
- • Pre-tax contributions: Reduce taxable income
- • 2024 limits: $3,200 (healthcare) or $5,000 (dependent care)
- • 2025 limits: $3,200 (healthcare) or $5,000 (dependent care)
- • Use-it-or-lose-it: Must spend funds within plan year
- • Employer-sponsored: Not available to everyone
FSA contributions reduce your taxable income, similar to HSA, but with different rules and limitations.
Social Security tax funds retirement, disability, and survivor benefits. The tax rate is 6.2% for employees, matched by employers.
- • Employee rate: 6.2% of wages
- • Wage base limit: $168,600 (2024), $168,600 (2025)
- • Maximum tax: $10,453.20 (2024), $10,453.20 (2025)
- • Self-employed: Pay both employee and employer portions (12.4%)
Once you reach the wage base limit, Social Security tax stops for the year, but Medicare continues on all wages.
Medicare tax funds healthcare for seniors and people with disabilities. Unlike Social Security, there's no wage base limit.
- • Standard rate: 1.45% on all wages
- • Additional Medicare: 0.9% on wages over $200,000 (single) or $250,000 (married)
- • No wage limit: Applies to all income
- • Self-employed: Pay 2.9% (1.45% × 2) plus 0.9% if applicable
High earners pay an additional 0.9% Medicare tax on income above the threshold, which only applies to the employee portion.
Pre-tax deductions are taken from your paycheck before taxes are calculated, reducing your taxable income and saving you money.
- • 401k contributions: Traditional 401k (pre-tax)
- • HSA contributions: Health Savings Account
- • FSA contributions: Flexible Spending Account
- • Health insurance: Employer-sponsored premiums
- • Dental/Vision: Insurance premiums
- • Life insurance: Group term life (up to $50,000)
Pre-tax deductions lower your taxable income, which reduces federal and state taxes, FICA taxes, and increases your take-home pay.
Automatically calculates Social Security (6.2% up to wage base) and Medicare (1.45% on all wages, plus 0.9% for high earners) taxes based on your income level.
When you enter HSA or FSA contributions, our calculator reduces your taxable income accordingly, showing you the tax savings and increased take-home pay.
See how 401k, HSA, FSA, and health insurance premiums reduce your taxable income and lower your overall tax burden.
40+ Countries Supported
Calculate taxes for US (all 50 states), Canada, UK, India, Australia, Germany, France, Singapore, and 30+ more countries with country-specific tax rates and rules.
Instant Calculations
Get real-time tax calculations as you type. No waiting, no delays. See your take-home pay instantly with detailed breakdowns of all taxes and deductions.
100% Free & Private
Completely free to use with no registration required. All calculations are done in your browser - we never store or transmit your personal data.
Updated for 2026
All tax brackets, rates, and rules are updated for 2026. We regularly update our calculators to reflect the latest tax laws for each country.
Detailed Breakdowns
See exactly how much you pay in federal tax, state/provincial tax, social security, Medicare, and all other deductions with itemized breakdowns.
Multiple Calculator Types
Calculate salary taxes, hourly wages, paycheck deductions, tax refunds, and compare different tax scenarios - all in one place.
2025 vs 2026 Tax Changes - What's Different?
Compare key tax changes between 2025 and 2026. See how standard deductions, tax brackets, and new OBBBA provisions affect your taxes.
| Filing Status | 2025 Standard Deduction | 2026 Standard Deduction | Change |
|---|---|---|---|
| Single | $15,000 | $16,100 | +$1,100 |
| Married Filing Jointly | $30,000 | $32,200 | +$2,200 |
| Head of Household | $22,500 | $24,150 | +$1,650 |
| Married Filing Separately | $15,000 | $16,100 | +$1,100 |
| Tax Rate | 2025 Income Range | 2026 Income Range | Change |
|---|---|---|---|
| 10% | $0 - $11,600 | $0 - $12,400 | +$800 |
| 12% | $11,601 - $47,150 | $12,401 - $50,400 | +$3,250 |
| 22% | $47,151 - $100,525 | $50,401 - $105,700 | +$5,175 |
| 24% | $100,526 - $191,950 | $105,701 - $201,775 | +$9,825 |
| 32% | $191,951 - $243,725 | $201,776 - $256,225 | +$12,500 |
| 35% | $243,726 - $609,350 | $256,226 - $640,600 | +$31,250 |
| 37% | Over $609,350 | Over $640,600 | +$31,250 |
| OBBBA Provision | Maximum Deduction | Who Qualifies | 2025 Status |
|---|---|---|---|
| Tips Deduction | Up to $25,000 | Service workers with tip income | Not available |
| Overtime Premium Deduction | Up to $12,500 | Workers earning overtime premium pay | Not available |
| Car Loan Interest | Up to $10,000 | US-assembled vehicle loans | Not available |
| Enhanced Senior Deduction | $6,000 | Taxpayers age 65+ | Not available |
| Child Tax Credit | $2,200 per child | Qualifying children under 17 | $2,000 per child |
| Tax Type | 2025 Rate | 2026 Rate | 2025 Wage Base | 2026 Wage Base |
|---|---|---|---|---|
| Social Security (Employee) | 6.2% | 6.2% | $168,600 | $174,000 |
| Medicare (Employee) | 1.45% | 1.45% | No limit | No limit |
| Additional Medicare Tax | 0.9% | 0.9% | Over $200,000 | Over $200,000 |
United States Tax Authority Resources
Canada Tax Authority Resources
United Kingdom Tax Authority Resources
India Tax Authority Resources
Australia Tax Authority Resources
Germany Tax Authority Resources
France Tax Authority Resources
Singapore Tax Authority Resources
Calculation Methodology
Our calculator uses a progressive tax bracket system, applying the marginal tax rates to the portion of income falling within each bracket. Deductions and credits are applied according to the rules of each respective tax authority.
Tax Year Information
All calculations are based on 2026 tax brackets, rates, and rules as published by official tax authorities. Tax brackets are adjusted annually for inflation. We update our calculators regularly to reflect the latest tax law changes.