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Bonus Tax Take-Home Calculator 2026

Free interactive calculator — see your bonus take-home after federal + state + city + FICA using 2026 IRS rates. State-aware (50 states + DC). City surcharges for NYC, Philadelphia, Detroit, Pittsburgh, Baltimore. Reflects $176,100 Social Security wage base + additional Medicare 0.9% over threshold.

Inputs

$500$500k

Used to determine SS cap eligibility + additional Medicare threshold

Supplemental wage rate: 10.23%

Withholding Breakdown

Federal 22% $2,200
State (10.23%)$1,023
SS (6.2% (capped))$620
Medicare 1.45%$145
Total withholding$3,988
Effective rate39.9%
Take-Home Bonus
$6,012
60% of gross bonus

How this calculator works

Withholding ≠ actual tax. This shows what your employer WITHHOLDS from your bonus check. At year-end filing, your actual tax is based on your marginal bracket — could result in a refund (if 22% withholding exceeds your bracket) or owed amount (if your bracket exceeds 22%).

Federal — Percentage Method

Most employers use the percentage method: 22% flat on bonuses up to $1M cumulative within calendar year, 37% above. Aggregate method (alternative) withholds at marginal rate based on combined paycheck — used by some smaller employers.

State supplemental rates

Each state with income tax has its own supplemental wage rate. California 10.23%, New York 11.7%, Hawaii 7.6%. No-tax states: TX, FL, NV, WA, AK, SD, WY, TN.

FICA + Additional Medicare

Social Security 6.2% capped at $176,100/yr (2026 wage base). If your salary already exceeded the cap, no SS withholding on the bonus. Medicare 1.45% always applies. Additional Medicare 0.9% on amounts over $200k single / $250k MFJ.

Related

Across our portfolio

Data sources: IRS Rev. Proc. 2025-32 (2026 brackets) + state Department of Revenue supplemental wage rates 2026 + IRS Form 941 + Section 3401(a). Withholding only — actual tax determined at year-end filing.