Take-home pay calculator: Texas and California (2026)
2026 annual estimate for single resident employees under 65, wages only, maximum $150,000.
Your scenario
Method and exclusions
2026 annual estimate for single resident employees under 65, wages only, maximum $150,000. Federal standard deduction $16,100; Social Security 6.2%, Medicare 1.45%. California standard deduction $5,900, personal credit $158 and SDI 1.3%. Excludes other credits, special deductions, pretax deductions, benefits and local taxes. Not W-4 payroll withholding. Only Texas and California are supported.
Supporting guidance: 2026 IRS federal brackets (new tab). Guidance checked 28 October 2026; the arithmetic model remains our stated approximation.
Additional rule sources: California FTB 2026 schedules; California SDI; Social Security wage base.
How to use the result
Run a baseline, then change one assumption at a time. Compare the total cost or balance as well as the monthly amount. Keep excluded taxes, fees and product features on a separate checklist. Confirm decisions against actual provider documents.