How to use this calculator
Use this planning estimate when your wage income is in one of the four named states and the listed federal assumptions fit. The state selector is mandatory so an unsupported state or city tax can never disappear silently.
- Choose gross-to-net or target-net mode, then enter an evidenced pay period. Hourly pay also requires explicit weekly hours.
- Select Florida, Nevada, Tennessee or Texas and the supported federal filing status.
- Add annual taxable bonus, fixed allowance, tax-only adjustment and post-tax deduction only when they apply.
- Review the annual breakdown, selected-period result, year, region, assumptions and official sources.
Worked example
- Input
USD 60,000 annual gross · Texas · single · no bonus or adjustments
- Output
Federal income tax USD 5,020; Social Security USD 3,720; Medicare USD 870; annual net USD 50,390
The example uses the 2026 USD 16,100 single standard deduction and does not represent tax credits or a tax return.
Method and formula
- Annual regular pay = hourly × hours/week × 52, weekly × 52, biweekly × 26, semimonthly × 24, monthly × 12, or annual unchanged.
- Taxable federal wages = annual gross − standard deduction − entered tax-only adjustment, not below zero; progressive 2026 brackets then apply.
- Employee FICA = 6.2% Social Security up to USD 184,500 + 1.45% Medicare on all wages + 0.9% Additional Medicare withholding above USD 200,000.
- Net = gross − federal income tax − employee FICA − entered post-tax deduction. Reverse mode searches the same monotonic engine.
Included assumptions
- Standard deduction only; no itemised deduction, tax credit or other household income.
- The four supported states have no individual wage income tax in this restricted model.
- One regular employee job for the full 2026 calendar year.
Limits and exclusions
- Unsupported states, cities and filing statuses are rejected, not approximated.
- The USD 200,000 Additional Medicare employer-withholding threshold is used; final joint-return liability can differ.
- Self-employment, stock compensation, benefits, FUTA, SUTA and payroll withholding timing are excluded.
Privacy
All salary values and selections are processed in this tab. Nothing is uploaded, saved in a URL or sent to an employer.
Evidence
Official and statutory sources
Product capability benchmarks
Disclaimer
Educational planning estimate, not payroll, tax-return or professional tax advice. Compare with an actual payslip and current IRS/state guidance.
