See what you keep after federal, state, and FICA taxes. 3,445 roles × 81 cities.
Data updated
Common questions
The calculator uses 2026 federal tax brackets, state income tax rates, and standard FICA (Social Security + Medicare) deductions. Your actual take-home may vary based on 401(k) contributions, health insurance premiums, HSA contributions, and local taxes. Use this as a planning estimate.
No. The calculator shows pre-benefits take-home. If you max out a 401(k) ($23,000 in 2026), that reduces taxable income and your actual take-home will be different. Employer health insurance premiums also reduce net pay.
States with no income tax (Texas, Florida, Washington, Nevada, Tennessee, Wyoming, South Dakota, Alaska, New Hampshire) offer the highest take-home for the same gross salary. Washington State is particularly attractive because it hosts Amazon, Microsoft, and many AI companies with competitive salaries.
California has the highest state income tax in the US at 13.3% for top earners. On a $232,000 AI Engineer salary in San Francisco, that adds about $30,000 in state tax alone. Combined with federal and FICA, total tax burden can exceed 40 percent for high earners.
FICA is the Federal Insurance Contributions Act. It funds Social Security (6.2% on wages up to $168,600 in 2026) and Medicare (1.45% on all wages, with an additional 0.9% on wages over $200,000 for high earners). Total FICA for most tech workers is 7.65% of gross salary.
Yes, completely free. No account required. No email collection. Every calculation is anonymous and computed client-side in your browser.
Key Fact
50 states + DC
tax models
The Orbyt Take-Home Calculator models federal income tax, state income tax, and FICA (Social Security plus Medicare) for all 50 U.S. states and the District of Columbia.