US paycheck, income tax, self employment and mortgage calculators

What changed this year

For 2026 the standard deduction is $16,100 for a single filer or a married person filing separately, $24,150 for a head of household and $32,200 for a married couple filing jointly. The seven federal rates stay at 10%, 12%, 22%, 24%, 32%, 35% and 37%, with the bracket lines raised for inflation: the 37% rate starts above $640,600 of taxable income for a single filer.

The One Big Beautiful Bill Act (Public Law 119-21) added three deductions for tax years 2025 to 2028. Qualified tips can be deducted up to $25,000 a return, and the extra half of overtime pay up to $12,500, or $25,000 on a joint return. Both shrink by $100 for each $1,000 of modified adjusted gross income over $150,000 ($300,000 joint).

People aged 65 or over get a further $6,000 each, reduced by 6% of income over $75,000 ($150,000 joint). Married people need a joint return for any of the three new deductions, and none of them lowers Social Security or Medicare tax.

Social Security tax of 6.2% applies to the first $184,500 of wages in 2026. Medicare tax of 1.45% has no limit, and an extra 0.9% starts over $200,000 of wages ($250,000 joint, $125,000 married filing separately).

The 401(k) deferral limit is $24,500, with $8,000 more from age 50 and $11,250 more at ages 60 to 63. HSA contributions can reach $4,400 for self only cover and $8,750 for family cover.

The IRS publishes the next year's brackets and standard deduction each autumn, and the Social Security Administration sets the next wage base in October. The pack is checked against those releases and each state's new withholding tables, with the next review due by 1 December 2026.

Choosing a tool

Which US tool answers your question

The paycheck, income tax and overtime calculators read the same 2026 rates file, so the same wages get the same federal tax in each, and the self employment calculator applies the same brackets to business profit. They differ in which figure they lead with.

Paycheck calculator. It starts from your pay for a year, a month, half a month, two weeks or a week and shows what reaches the bank each payday after federal income tax, Social Security, Medicare and state tax. A 401(k), an HSA and other pre tax deductions can be added, and each state whose 2026 figures are checked, the District of Columbia included, has a page of its own, listed below.

Federal income tax calculator. It starts from a yearly salary and splits the federal tax across the seven brackets, with the standard deduction, the taxable income and the tax in each bracket laid out row by row.

No tax on overtime and tips calculator. It applies the 2026 deductions for qualified tips, the overtime premium and people 65 or over, each after its cap and income phase out, and shows federal income tax with and without them.

Self employment tax calculator. It works out Social Security and Medicare on net profit from a business, shares the wage base with any job, and splits the total into the four estimated tax payments with their due dates.

US mortgage calculator. It turns a home price, a down payment and a rate into a monthly payment with property tax, homeowners insurance and PMI, and shows the payment where PMI ends.

How much tax comes out of a US paycheck in 2026. The guide works through the brackets by hand for salaries of $60,000, $85,000 and $150,000 and explains why a pay stub can differ.

State tax follows the 2026 withholding method of each state for one job. For Delaware, Kansas, Maine, Missouri, New Mexico, North Dakota, Rhode Island, Utah and Vermont the 2026 figures are still being checked, so the paycheck calculator shows federal and payroll taxes only there.

Figures cover wages from one job across a full year. Withholding from a Form W-4 can differ from the tax on the return, so a single paycheck may not match the average shown here.