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Short answers with 2026 numbers. Details live in the guides and methodology.
Gross minus federal tax (2026 brackets after the $16,100 standard deduction for single filers), state tax, and FICA. Example: $75,000 single in Texas keeps about $61,592 a year.
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming.
Yes — 6.2% only to the $184,500 wage base in 2026. Medicare (1.45% + 0.9% over $200k single) has no cap.
Yes. Every $1,000 pre-tax saves roughly your marginal rate — about $220 federal at these incomes, plus state tax. HSA dollars through payroll skip FICA too.
No. Planning estimates only — confirm filing decisions with a licensed CPA or equivalent in your country.
About $79,180 in Texas or $73,836 in California (single, 2026). New York keeps about $74,128 before city tax.
Marginal is the rate on your last dollar (for example 22%); effective is total tax divided by income (often 8–14% at these salaries).
Yes — the UK (Income Tax + NI), Canada (federal + provincial + CPP + EI), Australia (tax + Medicare) and Germany (ESt + SV). Use the country selector in the header.
No. All calculators run 100% client-side; nothing you type leaves your browser. The contact form only sends what you submit.
Withholding tables, benefit premiums and bonus timing move deposits. With 26 paydays a year, two months bring a third check.
Brackets and caps are reviewed each October when tax agencies publish, and the methodology page lists every source.
An independent project from Austin, TX. Corrections welcome at [email protected].
Do HSA contributions reduce taxable income? — 2026 limits, the payroll vs direct contribution difference, and a worked $85,000 example.
Is AfterTaxLab free? Yes, entirely. There is no account, no paywall and no limit on how many calculations you run.
Do you store the salary I type? No. The calculation runs in your browser; the figures you enter are not sent to a server or saved to a database.
Which tax year is used? Tax year 2026. Federal brackets, the standard deduction and the Social Security wage base all reflect the IRS inflation adjustments for that year, and each state model uses that state's published 2026 rates.
Why is my payslip different from your result? Usually one of four reasons: your W-4 elections differ from the assumptions here, you have pre-tax deductions such as a 401(k) or an HSA that were not entered, your employer withholds at a flat rate for a portion of the year, or your state or city applies a local tax this model does not include. Enter your pre-tax deductions and the gap usually closes.
Do you cover state income tax? Yes — all fifty states plus the District of Columbia, each with its own rate structure. The nine states with no tax on wage income are modelled as zero rather than left blank.
Does a raise always mean more take-home pay? In most cases yes, but the increase is smaller than the raise because each extra dollar is taxed at your marginal rate. The salary comparison pages show the effect of a specific step up.
Is the cost-of-living adjustment real data? The living-cost figures are built from BEA Regional Price Parities applied to BLS Consumer Expenditure Survey averages, and rents come from the Zillow ZORI index. Each table notes its source and period.
How current is the data? Tax figures are refreshed when the IRS publishes its annual adjustments and when a state changes its law. Data pages state the period they cover, and the update history is visible on the page itself.
Figures on this page are planning estimates built from published IRS tables and state agency rates; they are not tax advice. How we build and check these estimates · Edited by: Nuh Taspinar · Last updated: 2026-11-09
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