Estimate your paycheck after taxes, build a monthly budget, and see how much house you can afford — all in one place.
Federal income tax, Social Security, and Medicare on your gross pay.
Estimates use 2026 federal brackets, the 2026 standard deduction, and FICA rates (6.2% Social Security up to the $184,500 wage base, 1.45% Medicare, plus 0.9% Additional Medicare Tax above $200,000). Retirement contributions reduce income tax but not Social Security and Medicare; health and FSA contributions reduce both. State income tax is a simplified 2026 estimate using each state's standard deduction and rates; local taxes, credits, and exemptions aren't included.
Allocate your monthly take-home across expenses, savings, and everything left over.
See how much house you can afford and what the monthly payment looks like.
Affordability caps total monthly housing plus debts at your chosen ratio. This uses your net take-home income carried from the paycheck tab, so the estimate is more conservative than a lender's, since lenders typically apply DTI to gross income. The interest rate is pre-filled with the latest Freddie Mac national average for 30- and 15-year fixed loans; the 20-year and ARM defaults are estimates, since Freddie Mac no longer surveys those loan types. Adjust the rate to a quote you have received. Choosing an adjustable rate lets you set the initial rate and an estimated adjusted rate after the fixed period.
Two people earning the same salary can take home thousands of dollars a year apart, purely because of where they work. Federal income tax, Social Security and Medicare are the same everywhere. State income tax is not.
Nine states tax no wage income at all: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. 15 use a single flat rate, so every dollar is taxed the same. The rest apply graduated brackets, where higher rates reach only the income above each threshold.
Pick your state below for its 2026 rates and a calculator already set to it.
State income tax on a $60,000 salary, single filer taking the standard deduction, 2026 rates. The median across all 51 is $1,982 a year; the last column shows how far each state sits from it.
State income tax only. Federal income tax and FICA apply everywhere and are not included. Local income taxes, which several states allow, are not included either.
Nine states levy no income tax at all, so the bottom of the list is a tie at zero. At the other end, Oregon takes $4,709 a year from the same salary — a spread of $4,709 between the two extremes.
| Highest state tax | On $60,000 |
|---|---|
| Oregon paycheck calculator | $4,709 |
| Kansas paycheck calculator | $3,059 |
| Massachusetts paycheck calculator | $3,000 |
| Illinois paycheck calculator | $2,970 |
| Alabama paycheck calculator | $2,810 |
| Delaware paycheck calculator | $2,763 |
| Maine paycheck calculator | $2,730 |
| Virginia paycheck calculator | $2,689 |
| Utah paycheck calculator | $2,670 |
| Maryland paycheck calculator | $2,669 |
A state with no income tax is not automatically cheaper overall — several make up the difference through sales and property tax.