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The number on the offer letter, translated to the number in your account.
A $75,000 salary is not $75,000 — federal tax, Social Security, Medicare, and your state all take a cut before the money lands. This calculator applies the 2026 federal brackets and FICA rules plus the income tax rules of any US state, so you can see your real take-home per year, month, biweekly paycheck, and week. Switching states shows you exactly what a move is worth. Results are estimates: pre-tax deductions (401(k), health premiums), credits, and local taxes are not included.
People use this the day they get an offer letter, when they are planning a move to another state, and every time a paycheck looks wrong. It answers the gap between the salary you negotiated and the money that actually lands — and shows exactly which government layer took what.
The federal and FICA math is exact for a W-2 employee taking the standard deduction with no pre-tax benefits. State taxes use simplified 2025–2026 rules — close for most filers, but local taxes, credits, and pre-tax deductions can shift the real number a few percent. Compare against your paystub to calibrate.
Nine: Alaska, Florida, Nevada, New Hampshire (wages), South Dakota, Tennessee, Texas, Washington, and Wyoming. But no-tax states often make it up in sales or property taxes — the take-home comparison is one input to a move, not the whole decision.
Almost always pre-tax deductions: 401(k) contributions, health and dental premiums, and HSA contributions come out before the money reaches you (and lower your taxes too). Add them back mentally, or subtract your per-check deductions from the take-home figure shown.