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US

United States

US paycheck and mortgage calculators for 2026

Federal take-home pay after income tax and FICA, and mortgage payments with a full schedule — with the working shown.

Take-Home Pay & Income Tax Calculator

Pay & income tax

Property & renting

Investing & business

Everyday tools

  • Runs in your browser
  • No sign-up
  • Results as you type

What changed this tax year

  • The standard deduction for single filers rose to $16,100 for 2026, from $15,750 for 2025 ($32,200 for married couples filing jointly). Source
  • The 401(k) employee contribution limit rose to $24,500 for 2026, from $23,500. Source

Where the numbers come from

Every figure is read from the body that actually sets it — IRS — and each calculator names its sources, with the date they were last checked where we have one on record, so you can check us.

These are estimates, not advice. Your own allowances, reliefs and circumstances can move the number, and every finance page says so where you'll see it. How we check our figures.

What these calculators cover

The US calculators work at the federal level for 2026: income tax brackets for every filing status, Social Security and Medicare (FICA), and fixed-rate mortgage payments with a full amortization schedule. State income tax varies by state, so the take-home calculator takes your state rate as an input.

Not modelled: graduated state income tax (you enter one flat state rate), city and county income taxes, tax credits and itemized deductions. Mortgage figures are principal and interest only, before escrow.