Enter your salary, state, and filing status. See exactly how much you take home after taxes — supports multiple jobs.
The input that changes the answer most is not your salary. It is the state and local rate, and the deductions you run before tax.
No 401(k), no health premium, standard deduction, single filer. Using the 2026 figures built into this page: taxable income is $95,000 minus the $16,100 standard deduction, or $78,900, and federal income tax on that is $12,070.
Social Security is 6.2% of the full $95,000, which is $5,890, because the wage is below the wage base. Medicare is 1.45%, or $1,377.50. Pennsylvania's flat 3.07% adds $2,916.50. Total tax is $22,254, leaving $72,746 a year, about $6,062 a month.
Now add a 1% local earned income tax. That is $950, take-home drops to $71,796, and the monthly figure becomes $5,983. The difference is about $79 a month, and it disappears entirely if the local box stays at zero. That silent default is the single most common way this estimate comes out higher than a real paycheck in a state with local income tax.
| Scenario | Take-home, year | Per month |
|---|---|---|
| PA 3.07%, no local tax | $72,746 | $6,062 |
| PA 3.07% plus 1% local | $71,796 | $5,983 |
This is an annual estimate divided into months, not a pay-stub reproduction. Employers withhold per pay period using your W-4, their own payroll calendar, and their own benefit elections. A biweekly check is 26 per year, not 24, so multiplying a single stub by two and calling it a month overshoots.
The state line is the weakest input, because it is a flat rate you supply. Most states use brackets, deductions, or credits rather than one flat percentage, so the honest move is to overwrite the field with your effective rate from a real stub. A state with a progressive tax will withhold less than a flat top-rate guess at a modest income.
Federal tax credits are not modeled. The child tax credit, the earned income credit, education credits, and the dependent care credit all reduce the liability after the brackets are applied, and any of them can move the answer by more than a state rate does.
Compare offers on take-home, not on gross. Two jobs at the same salary in different states, or one with a 6% 401(k) match and one without, are not the same job, and this is the arithmetic that shows it.
Withholding is per pay period and depends on your W-4 elections, employer benefit deductions, and your state's actual rules. This model is annual, assumes the standard deduction, and ignores credits.
A traditional contribution does, because it comes out before federal income tax and is excluded from the taxable figure. It still owes Social Security and Medicare. A Roth contribution comes out after tax and does not reduce the number here.
Only as accurate as the number you type. One flat percentage cannot represent a state with brackets and credits, so use your effective rate from a pay stub when you have one.
This page uses $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for heads of household, from IRS Revenue Procedure 2025-32. Confirm against the IRS publication for the tax year you are estimating.
Yes, as employee-side payroll tax: 6.2% for Social Security up to the annual wage base and 1.45% for Medicare with no cap, plus the additional Medicare tax above the threshold. The employer's half is not shown because it is not yours to pay.
Add it to gross if it is W-2 wages. Self-employment income is a different calculation, because it carries both halves of payroll tax; use the freelance tax estimator for that portion instead.
The federal math follows published 2026 figures. State and local rates are inputs you supply, not a lookup of your address.
Last updated: November 2, 2026. Reviewed by David Liu. Planning estimate, not tax advice. Brackets and wage bases change; check the tax year before relying on the number.