United States · 2026
What's actually in your paycheck?
Salary, bonus, RSUs and 401(k) — all of it, after federal tax, FICA and your state. Then see what you'd keep somewhere else.
State tax only — cost of living, property tax and sales tax vary hugely and aren't included. A no-income-tax state isn't automatically cheaper to live in.
Because contributions come out pre-tax, putting a dollar into your 401(k) costs you less than a dollar of take-home. Here's your number.
This models annual tax liability using 2026 federal brackets, FICA and state rules. It doesn't include local or city income taxes (like NYC), state-specific credits and deductions, or itemized deductions — and your actual paycheck withholding will differ, especially on bonuses, which are usually withheld at a flat 22% and trued up when you file. For anything that matters, talk to a CPA.