2026 tax year estimate

Turn annual salary into a clearer paycheck.

Estimate federal, FICA, state income tax and notable employee-paid state programs for all 50 states and DC.

Data reviewed October 14, 2026.
Uses published 2026 rates. This is an estimate, not payroll or tax advice.

Your pay

ANNUAL INPUTS
Filing status

Pre-tax contributions

OPTIONAL
Reduces income tax, not FICA.
Modeled as reducing income tax and FICA.
2026 base limits$24,500 retirement · $4,400 HSA self-only

What the estimate includes

The calculator annualizes the inputs, applies tax rules, then divides the result by your selected number of paychecks.

01 · FEDERAL2026 standard deduction and marginal brackets for Single or Married Filing Jointly.
02 · FICA6.2% Social Security to $184,500, 1.45% Medicare, plus Additional Medicare where applicable.
03 · STATEPublished 2026 state brackets, standard deductions where available, and selected employee programs.

Before you rely on the number

  • Withholding can differ from annual tax because of Form W-4 elections, credits, bonuses, dependents and payroll timing.
  • Local and city taxes are not included. They matter in places such as New York City and parts of Alabama, Indiana, Kentucky, Maryland, Ohio and Pennsylvania.
  • Personal exemptions, phaseouts, special recapture rules and most state credits are not modeled. “N/A” state standard deductions are treated as $0.
  • California, Idaho, Arkansas and part of North Dakota use thresholds whose final 2026 inflation update was still pending in the research. Arizona's standard deduction has a conformity question.
  • Employer-size assumptions affect CO, DE, ME, OR and WA premiums. Use the selector when it appears.

Tax data sources

Rates and limits are linked to the source set used for this 2026 snapshot. State figures are primarily based on Tax Foundation's 2026 survey, with later enacted changes applied.

IRS · 2026 federal brackets & standard deductionIR-2025-103 / Revenue Procedure 2025-32 IRS · contribution and wage-base limitsRetirement plan COLA figures The Tax Adviser · 2026 Social Security wage baseReporting SSA's October 2025 announcement Tax Foundation · 2026 state rates and brackets50 states + District of Columbia survey EY · 2026 state leave, disability & LTC ratesPublished January 7, 2026 2026 contribution limits sheetHSA and retirement limits South Carolina DOR · 2026 reformAct 110 / H.4216 Utah Legislature · S.B. 602026 rate reduction to 4.45%

Rounded to the nearest cent per paycheck. For planning only; consult a payroll professional for an exact withholding calculation.