US Federal Tax & Payroll Calculator
Estimate 2026 federal tax, FICA, and state withholding with W-4 inputs, pay-frequency handling, and 401(k) payroll planning.
W-4 Smart Wizard
Interactive W-4 form guidance for accurate withholding
FICA Tax Processing
Social Security and Medicare tax calculations with current thresholds
50-State Support
State withholding estimates for all 50 states, including no-tax states
401(k) Planning
Traditional and Roth 401(k) contribution planning
How It Works
Complete W-4 Information
Enter your filing status, dependents, and withholding preferences
Automatic Tax Calculation
Our engine processes 2026 federal withholding, FICA, and state estimate rules
Detailed Results
Get comprehensive breakdown of all deductions and net pay
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Advanced Features
🏛️ Federal Tax Features
- ✓2026 progressive tax brackets (10% to 37%)
- ✓Standard deduction optimization by filing status
- ✓Child Tax Credit and dependent calculations
- ✓Multiple jobs and spouse working adjustments
🏛️ FICA & State Features
- ✓Social Security tax (6.2%) up to wage base limit
- ✓Medicare tax (1.45%) with additional 0.9% for high earners
- ✓All 50 states with estimate-level withholding support
- ✓Traditional and Roth 401(k) contribution tracking
Frequently Asked Questions
Does the calculator include state income tax?
Yes. Select your work state and we apply a state-level withholding estimate, including no-tax states. Local taxes and full state bracket detail may still require a payroll provider check.
How accurate is the W-4 smart wizard?
The wizard follows the 2026 IRS W-4 structure, including dependents, multiple jobs, and additional withholding inputs so your estimate stays aligned with the federal form.
Can I model 401(k) contributions?
Enter traditional or Roth 401(k) amounts to see how contributions reduce taxable income and impact net pay.
Is my data stored anywhere?
No. Calculations run in the browser or the app session and are not stored as a payroll record.
Important Disclaimer
These calculations provide estimates based on current tax rates and regulations. Results should be used for guidance only. For official payroll processing, consult with qualified tax professionals or payroll specialists. Tax regulations may change, and individual circumstances may affect actual calculations.