Methodology

Single filer · standard deduction · wage income only · no dependents · no pre-tax benefits (401(k), health premiums) · no tax credits beyond state personal exemptions/credits as listed in each state's tax tables. Figures are annual tax liability translated to per-period amounts — actual per-check withholding varies with your W-4.

Taxable income = gross − $16,100 standard deduction (single, 2026). Tax = marginal walk of the seven 2026 IRS brackets (Rev. Proc. 2025-32).

Social Security 6.2% on wages up to $184,500 (2026 SSA wage base) + Medicare 1.45% on all wages + 0.9% Additional Medicare Tax on wages above $200,000 (single).

Taxable income = gross − state standard deduction − personal exemption (where the state defines them); tax = marginal walk of the state's 2026 brackets; exemption credits subtracted from tax. Bracket data: each state's revenue code as compiled by the Tax Foundation (February 2026 edition).

Local income taxes (NYC, Maryland counties, Ohio municipalities, etc.) are NOT included — a disclosed v1 limitation. Married filing statuses, itemized deductions and credits (EITC, child tax credit) are out of scope. Washington's capital-gains tax does not apply to wages and is excluded.

Federal brackets & standard deduction: IRS Rev. Proc. 2025-32 (via Tax Foundation, "2026 Tax Brackets"). State brackets, deductions, exemptions: Tax Foundation, "2026 State Individual Income Tax Rates and Brackets". FICA: SSA 2026 fact sheet (COLA announcement, Oct 2025). Data regenerated from source at every update; last build 2026-07-26.

The full state table is free to reuse: state-take-home-pay.csv (CC0). Cite as "payandtaxes.com, computed from 2026 IRS and state tax tables". Machine-readable summary: /llms.txt.

Found an error in a bracket or a computation? Email [email protected] — corrections ship within days and are noted here.