YOUR INCOME, EXPLAINED

See what you keep.

Explore how your income translates into estimated taxes.

Tax year

2026 planning estimate Federal and payroll rules are current for 2026.

01Your household

Full-year resident

StateFiling status

Assumes filers are under 65, not blind, and not claimed as dependents.

02Income sources

Annual amounts

Total annual income

03Deductions & credits

Traditional 401(k) / 403(b)

Direct HSA contributions

Enter eligible contributions only. HSA is federal-only; use direct contributions, not payroll HSA deductions.

Qualifying children under 17Other qualifying dependents

Assumes credit eligibility, including SSN requirements. Refundable credits are not included.

Use itemized deductions

Additional adjustments

Allowed federal QBI deduction

Enter a separately calculated deduction after eligibility, income, wage and property limits. Not automatic.

Other allowed federal deductions

Final eligible amounts for qualified tips, overtime or car-loan interest. Non-itemizer charity applies only in 2026. Apply all eligibility rules, caps and income phaseouts first. These reduce taxable income, not AGI.

Include state payroll contributions

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YOUR ESTIMATED AFTER-TAX INCOMEEstimate

After estimated taxes and contributions

You keep Taxes

Total estimated tax

Effective tax rate

Where your income goes

Monthly

Marginal income tax rates

Federal ·

Rates on the next dollar of ordinary taxable income, before credits and payroll taxes.

See the calculation

Tax brackets

Rate	Income in bracket	Tax

Annual amounts before credits; federal table excludes preferential gains.

◇ Calculated in your browser. Income is never sent anywhere, and is saved on this device only if you turn on saving.

BEHIND THE NUMBERS

Transparent by design.

Planning estimates, not a tax return or paycheck withholding calculation. Rules checked September 29, 2026.

What this estimate includes

Progressive federal income tax, preferential qualified-dividend and long-term-gain rates, Social Security, Medicare, Additional Medicare, self-employment tax and net investment income tax.

Joint filers assign wage and business income to each spouse so Social Security caps apply separately. Bonuses and vested RSUs are ordinary wage income; withholding rates do not determine final tax.

Limits and assumptions

Choose 2025 to compare with calculators covering the 2025 filing year. Social Security caps and state payroll rates change with the selected year.

Continuous brackets are used instead of tax-table rounding. Local income taxes (city, county and school district) are not included.

Federal and state AMT, EITC, refundable child credits, other special credits, capital or rental losses, Social Security benefits, foreign income, multi-state residency, early-withdrawal penalties, and tax-exempt bond differences are not modeled. High-income and business estimates may differ materially from a filed return.

Contribution eligibility and limits, QBI, itemized-deduction limits, and special federal deductions must be calculated separately before entry. Itemized mode uses exactly the totals supplied, even below the standard deduction. Married separate filers must allocate community income themselves and comply with coordinated deduction rules.

After-tax income includes all entered income, including noncash RSU vesting and taxable rental profit. It is not necessarily cash available to spend. Employer payroll taxes, withholding and estimated payments are not included.

California check · SmartAsset · September 2026

Three salary scenarios were entered into SmartAsset’s 2025 California calculator: $50,000, $150,000, and $150,000 with a $20,000 traditional 401(k). Federal income tax and FICA agree within $1 when PayFathom is set to 2025. State and take-home totals differ because PayFathom includes California exemption credits and SDI. SmartAsset’s California results are consistent with deducting the $153 personal exemption from income instead of tax; PayFathom retains the FTB credit treatment.

This is a bounded salary comparison, not independent validation of every supported tax situation. Both models use continuous brackets; filed tax-table amounts can differ slightly. AMT and refundable credits remain excluded.

Official tax sources