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US take-home pay
What you keep after federal and state income tax, Social Security and Medicare, 2026.
$15,000$300,000
Take-home pay a month
$4,199
$50,390/year$1,938 every two weeksEffective rate 16.0%
How we get there (2026)
Salary$60,000
− Federal income tax (after the $16,100 standard deduction)− $5,020
− Social Security (6.2%)− $3,720
− Medicare− $870
− Texas income tax$0
= Take-home a year$50,390
Take-home a month (÷12)$4,199
An estimate for a W-2 employee taking the standard deduction, with no 401(k) or other pre-tax deductions and no credits. Federal brackets and standard deduction from IRS Rev. Proc. 2025-32; Social Security wage base ($184,500) from the SSA; state rates from each state’s revenue department. Local income taxes are not included; states with graduated rates are not covered yet.