2026 KokoroFlow calculator

Salary & Take-Home Pay Calculator

Convert your salary and estimate take-home pay after federal payroll taxes and state income tax.

Convert your salary

Enter a gross pay amount and choose how often you receive it.

Use 0 if your vacation and holidays are paid.
For example, eligible 401(k), HSA, or benefit deductions.
Editable representative 2026 planning rate; progressive brackets, deductions, credits, and local taxes are simplified.
Hourly$36.06
Daily$288.46
Weekly$1,442.31
Biweekly$2,884.62
Monthly$6,250.00
Annual$75,000.00
Federal income tax$7,670.00
Social Security$4,650.00
Medicare$1,087.50
State income tax$6,975.00
Estimated annual take-home$54,617.50
Estimated monthly take-home$4,551.46

2026 planning estimate using 52 paid weeks and a 9.30% state planning rate. Local taxes, credits, special state deductions, and other payroll items are not included.

How the 2026 tax estimate works

The calculator applies the 2026 federal standard deduction and progressive federal tax brackets, then estimates employee Social Security and Medicare taxes.

State version

Select any state or Washington, DC. The state field loads a representative 2026 planning rate that you can edit. States with graduated brackets, deductions, credits, county taxes, or city taxes can differ materially from this estimate.

Not included

  • Tax credits, dependents, itemized deductions, bonuses, and investment income.
  • Local income taxes and state payroll programs.
  • Employer benefits and post-tax deductions.

This is an educational planning estimate, not tax, legal, or financial advice.

2026 references: IRS federal brackets, IRS payroll tax rates, and state rate structures.

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What problem does this salary calculator solve?

It converts a pay amount from any pay period into all the others (hourly, daily, weekly, biweekly, monthly, annual), then layers on an estimated federal income tax, Social Security, Medicare, and state income tax to project a take-home figure. It's built for comparing a job offer, budgeting, or checking whether a quoted hourly rate lines up with your annual target.

How to convert and estimate your pay

  1. Enter a pay amount and select which pay period it represents.
  2. Enter your typical hours and workdays per week.
  3. Add any unpaid weeks off per year, if applicable.
  4. Choose your federal filing status and work state.
  5. Add pre-tax deductions and an editable state tax rate, then review every pay-period conversion alongside the estimated take-home figures.

Privacy, inputs, and limits

  • Upload: No pay stubs or account details are uploaded; every calculation runs in your browser.
  • Input: Pay amount, period, work schedule, filing status, state, and deductions.
  • Output: A 2026 planning estimate, not a payroll or tax filing calculation.
  • Tax credits, dependents, itemized deductions, bonuses, and investment income are not included.
  • Local income taxes and employer-specific payroll programs are not modeled.

Example

A $75,000 annual salary in California, single filer, standard 40-hour week with no unpaid weeks, converts to about $36.06/hr, $1,442.31/week, and $6,250.00/month before tax. After estimated federal tax, Social Security, Medicare, and California's representative state rate, the estimated take-home comes to roughly $54,617.50 a year, or about $4,551.46 a month. Switching the state to a no-income-tax state like Texas or Florida removes the state tax line entirely and raises the take-home estimate.

Frequently asked questions

Why is the state tax rate editable?

State tax rules differ by filing status, deductions, exemptions, credits, counties, and cities, so a single percentage can only approximate your real liability. Editing the field lets you substitute a more accurate rate if you know your actual state bracket.

What if I'm paid hourly instead of a salary?

Select "Hourly" as the pay period and enter your rate — the calculator will use your hours and workdays per week to project the equivalent weekly, monthly, and annual figures automatically.

Does this account for overtime?

No. It assumes a consistent pay rate across your entered hours per week. If your income includes variable overtime, treat the result as a base-pay estimate rather than a full paycheck projection.

Can I use this to compare job offers in different states?

Yes — enter the same salary and change only the state selector to see how the estimated take-home might differ, which is useful for comparing otherwise-similar offers in different locations.