Budgidity
Budgidity
Estimate your take-home pay in any U.S. state using 2026 federal tax brackets, then turn it into a monthly budget you can actually live on.
Enter what an employer is offering. We’ll subtract federal income tax, Social Security, Medicare and state income tax to show what actually lands in your account.
401(k) lowers income tax but still pays Social Security & Medicare. Health premiums lower both.
Your take-home pay flows in automatically. We’ve split it using the popular 50/30/20 rule — 50% needs, 30% wants, 20% savings — so you can see a healthy target for each line. Adjust any amount and it updates live.
We start with your gross pay and subtract the four things every U.S. worker pays from a normal paycheck: federal income tax (2026 IRS brackets and standard deduction), Social Security tax (6.2% on the first $184,500 of wages), Medicare tax (1.45%, plus 0.9% extra on very high earnings), and your state’s income tax. Pre-tax 401(k) or health premiums are removed before tax where the rules allow.
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wage income in 2026, so take-home pay is noticeably higher there on the same salary.
A simple framework for spending take-home pay: about 50% on needs, 30% on wants, and 20% on savings and extra debt payoff. It’s a starting point, not a rule — high-cost cities often push the needs share higher.
No. The tool works instantly for everyone and saves your numbers on your device. Creating a free account lets you save your budget online and pick it up on any phone, tablet or computer — there is never a charge.
No — it’s a fast, good-faith estimate to help you plan and compare offers. Real paychecks also depend on credits, local city taxes, exact W-4 elections, and benefit choices. For filing or big decisions, confirm with the IRS, your state revenue department, or a tax professional.
Disclaimer: This tool provides estimates for general informational and educational purposes only and is not tax, legal, or financial advice. Federal figures use the official 2026 IRS tax brackets, standard deduction, and Social Security wage base. State income-tax figures use the latest published rates and are simplified estimates that may not reflect local taxes, credits, or your exact situation. Verify any number with the IRS, your state’s revenue department, or a licensed professional before making financial decisions.