Enter a yearly salary and pick your state. See your estimated federal, payroll, and state taxes — and the net pay that actually reaches you.
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Estimated take-home pay
$0/ year
$0
Per month
$0
Biweekly
$0
Weekly
$0
Per hour
Take-homeFederal income taxSocial Security + MedicareState income tax
Annual breakdown
Gross salary$0
Federal income tax $0
Social Security + Medicare$0
State income tax $0
Take-home pay$0
Effective tax rate0%
Set aside for taxes — self-employed
$0
$0
Quarterly (×4)
$0
Per month
0%
Of profit
Covers federal income tax + self-employment tax + state. Self-employment tax is the full 15.3% (both halves of Social Security and Medicare); half of it is deducted before federal income tax. Estimated payments are generally due Apr 15, Jun 15, Sep 15, and Jan 15. QBI and business deductions aren't modeled, so this errs on the safe side.
W-2 employee
Salary$0
Federal income tax$0
Payroll (FICA)$0
State income tax$0
Take-home$0
Effective rate0%
1099 contractor
Contract income$0
Business deductions$0
Net profit$0
Federal income tax $0
Self-employment tax$0
State income tax$0
Take-home$0
Effective rate0%
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Estimate only. Uses 2026 federal brackets and standard deduction (IRS Rev. Proc. 2025-32), plus Social Security (6.2% to $184,500) and Medicare (1.45%, +0.9% over the high-earner threshold). State figures use each state's 2026 brackets (as of January 1, 2026, per the Tax Foundation) applied to gross income, and exclude state-specific deductions, exemptions, credits, and any local/city income taxes. Hourly figures assume a full-time year of 2,080 hours (40 hrs/week). Some states have rates that phase down or change mid-year, so treat state results as approximate. In Compare mode, the QBI deduction is modeled simply (full 20% below the income threshold, phasing out above it as for a solo provider) and take-home for the 1099 is contract income minus business deductions minus tax. Not tax advice.
