Salary tax calculator hero background - calculate your take-home pay
Updated for 2026 Tax Year

Calculate Your Exact Take-Home Pay

Free salary tax calculator with accurate federal, state, and local tax breakdowns for 200+ US cities and the UK. Know exactly what you keep from every paycheck.

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9 States With Zero Income Tax

These states don't charge any state income tax, meaning you keep significantly more of your salary. A $100K earner saves $3,000–$13,000 per year compared to high-tax states.

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Take-Home Pay Comparison: $100K Salary Across US Cities

See how much you actually keep from a $100,000 salary in different cities. State and local taxes make a huge difference in your paycheck.

CityFederal TaxState TaxFICATake-Home PayEffective Rate
Austin, TX$12,168$0$7,650$80,18219.8%
Miami, FL$12,168$0$7,650$80,18219.8%
Seattle, WA$12,168$0$7,650$80,18219.8%
Nashville, TN$12,168$0$7,650$80,18219.8%
Denver, CO$12,168$4,400$7,650$75,78224.2%
Phoenix, AZ$12,168$2,500$7,650$77,68222.3%
Chicago, IL$12,168$4,950$7,650$75,23224.8%
Boston, MA$12,168$5,000$7,650$75,18224.8%
Manhattan, NY$12,168$9,386$7,650$70,79629.2%
San Francisco, CA$12,168$5,580$7,650$74,60225.4%

Based on single filer, standard deduction, $100,000 gross salary. Actual results may vary based on individual circumstances. Last updated: January 2026.

How the Salary Tax Calculator Works

Four simple steps to understand exactly where your money goes and how to keep more of it.

1

Enter Your Salary

Input your gross annual, monthly, or biweekly salary. Choose your filing status and any pre-tax deductions like 401(k) or HSA contributions.

2

Select Your Location

Pick your city and state from 200+ US locations or the UK. Each location has precise federal, state, and local tax rates built in.

3

See Your Tax Breakdown

Get an instant, detailed breakdown showing federal tax, state tax, Social Security, Medicare, and your exact take‑home pay amount.

4

Compare & Optimize

Compare take‑home pay across different cities and states. Use our tax tips blog to find strategies that maximize your paycheck.

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Frequently Asked Questions About Salary Tax Calculations

Everything you need to know about calculating your take-home pay

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