Methodology 2026

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United States

Federal: final 2026 IRS brackets (OBBBA) on gross minus pre-tax minus standard deduction — Single $16,100, Married $32,200, Head $24,150. State: no-tax states at 0%, flat states at published rates, California/New York plus New Jersey, Ohio, Virginia, Minnesota, Oregon, Connecticut, Maryland, Wisconsin, District of Columbia, Hawaii, Alabama, Maine, Arkansas, Kansas, Nebraska, New Mexico and Rhode Island on real 2026 schedules (simplified bases, sources on each page); Delaware and Vermont stay labelled planning estimates pending confirmed 2026 schedules. Others as labelled planning estimates. FICA: Social Security 6.2% to the $184,500 wage base, Medicare 1.45% + 0.9% over $200k single / $250k joint.

United Kingdom

2026/27 bands, £12,570 Personal Allowance with taper, Class 1 employee NI. Details: UK methodology.

Canada

2026 CRA federal bands + $16,452 BPA credit, provincial 2026 bands + BPA credits (ON/BC/AB/QC), CPP/QPP + EI maximums. Details: Canada methodology.

Australia

2026 resident rates, 2% Medicare levy, LITO. Details: Australia methodology.

Germany

Official §32a 2026 tariff, 2026 SV rates and caps. Details: Deutschland-Methodik.

Netherlands

2026 Box 1 bands (35.75% / 37.56% / 49.50%), AHK max €3,115 + AK max €5,685 (tapered), optional 30% ruling (2026 flat 30%, min taxable €48,013, cap €262,000). Under-67 schedule; Zvw employer levy excluded. Details: NL methodology. Calculator: NL take-home.

Türkiye

2026 GVK 103 ücret tarifesi (%15–%40), SGK işçi %14 + işsizlik %1 (tavan 297.270 TL/ay), damga binde 7,59, asgari ücret istisnası (brüt 33.030 TL/ay). Yıllık kümülatif yaklaşım — planlama tahminidir. Hesaplayıcı (TR): net maaş; karşılaştırma: İstanbul–Berlin, İstanbul–Amsterdam.

What we never do

No accounts, no tracking, no uploads. Local/city extras (NYC, SF), credits and itemized deductions are excluded and labelled. Sources: IRS Rev. Proc. 2026, SSA, CRA/ESDC, HMRC, ATO, §32a EStG + SVBezGrV 2026. Typo? [email protected]

Last updated: Oct 2, 2026

What is deliberately excluded

Every AfterTaxLab figure is a planning number, and these are the pieces it does not model: itemised deductions and the credits that follow from them (child tax credit, earned income credit, child and dependent care credit), student loan interest, the alternative minimum tax and the net investment income tax, most state credits and exemptions beyond the standard deduction, city and municipal income taxes, state disability and paid family leave contributions, and employer retirement matching. Pre-tax 401(k) or IRA contributions do reduce income tax in our model but never reduce FICA, because Social Security and Medicare are charged on gross wages. Where a state's 2026 schedule is not yet confirmed, the page says "planning estimate" in the label - that word is a flag, not decoration.

How the numbers are verified

Published thresholds are taken from the primary source rather than from a news summary: IRS Rev. Proc. 2025-32 and the IRS newsroom for federal brackets and the standard deduction, the Social Security Administration for the $184,500 wage base, HMRC and GOV.UK for the United Kingdom, CRA and ESDC for Canada, the ATO for Australia, the German section 32a EStG and SVBezGr, and the Belastingdienst for the Netherlands. Each calculator is run against a set of anchor cases - for example $75,000 in Texas must return $61,592 of take-home - and the anchors are re-run whenever a threshold or a rate changes. If an official 2026 figure is revised, the page label is corrected in the same edit as the number.

Reading a take-home figure correctly

Three different numbers get called "your salary" and they are not interchangeable. Gross pay is what the contract states. Taxable income is gross minus pre-tax deductions minus the standard or itemised deduction - the number the brackets actually touch. Take-home, or net, is what arrives in the account after income tax, FICA and any state layer. Compare two offers on take-home rather than on gross: a higher gross in a high-tax state can land below a lower gross in a state with no income tax. Treat any single figure as a point on a range, because overtime, a mid-year raise, a bonus or a change of filing status will all move it.