US Gross-To-Net Payroll Estimator (2026)

Estimate take‑home for W‑2 employees or 1099 contractors using 2026 rules. Switch employment type, enter pay and deductions, and see per‑period and annualized results. Estimator • Not tax advice

Inputs

Employment Type

Filing Status

Pay Frequency

Hourly pay
(turn off for salary per period)

Hourly rate

Hours this period

401(k)/403(b) % (FIT only)

Other FIT-only pre-tax (flat)

Section 125/HSA (reduces FICA & FIT)

State income tax % (estimate)

Post‑tax deductions (flat)

Extra federal withholding (per period)

W‑2: Uses 2026 standard deduction & brackets; employee FICA only. 1099: Computes self‑employment (SE) tax and applies the half‑SE tax deduction before federal tax; supports business expenses.

Summary

Annualized View

Assumptions

Educational estimator; not tax advice.
W‑2: 2026 brackets & standard deduction; FICA: 6.2% (to $184,500) + 1.45% Medicare + 0.9% Addl Medicare over thresholds.
1099: Net earnings = 92.35% of net profit for SE tax; SE tax = 12.4% SS (to wage base) + 2.9% Medicare (+0.9% over threshold). Half of SE tax reduces income for federal tax.
State input is a simple estimate; real state/local rules vary.