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◆ 2026 FEDERAL BRACKETS, FICA & IRS ROTH IRA ELIGIBILITY CALCULATOR

First Paycheck Take-Home Tax & Roth IRA Compounding Calculator

Enter your hourly wage and weekly hours to estimate net bi-weekly pay after 2026 Federal income tax ($16,100 Single Standard Deduction), 7.65% FICA payroll tax, and state tax—and check how much of your monthly investing qualifies for a tax-free Roth IRA.

DISPLAY SYMBOL (1:1 NO FX):
FRED · BLS · US-STATUTORY-2026.11 Plain-English A–Z Glossary →
Enter Your Numbers RUNS PRIVATELY IN YOUR BROWSER
$18.50/hr
32 hrs/wk
18 Years Old
$100/mo
9.0%
Your Results & Breakdown 2026 U.S. FORMULA
Real Bi-Weekly Take-Home Paycheck
$948
$24,650/yr net after 19.9% total taxes
Roth IRA at Age 65 (Start Now)
$896,200
$56,400 total contributed ($1,200/yr <= $7,500 cap)
Cost of Waiting 10 Years
-$537,400
Starting at age 28 yields $358,800
Annual Tax Breakdown
$6,134
$2,355 FICA · $2,068 Fed · $1,711 CA Est.
Ready: Type exact dollar or percentage figures or drag any slider to update your tax, interest, and cash-flow breakdown immediately.

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◆ METHODOLOGY & PLAIN-ENGLISH GUIDE (CLICK DOTTED TERMS FOR DEFINITIONS)

Understanding Your Paystub: FICA, Federal Brackets & State Estimates

W-2 employees pay 7.65% payroll tax from their very first dollar earned (6.2% Social Security up to $184,500 in 2026 plus 1.45% Medicare). By contrast, Single filers owe $0 in federal income tax on their first $16,100 of 2026 gross wages thanks to the Standard Deduction. State tax shown uses each state's middle-bracket effective benchmark above an estimated $5,500 state standard allowance (zero in AK, FL, NV, NH, SD, TN, TX, WA, and WY).