About

About LocalTakehome

True take-home pay for where you actually live.

LocalTakehome is a free take-home pay calculator with accuracy you can verify. It is built for people whose paycheck depends on where they live. In many states, a city or county takes its own wage tax on top of state income tax, so two people with the same salary in the same state can take home different amounts. LocalTakehome shows that difference instead of hiding it.

You enter a salary or an hourly wage. It shows what is withheld for federal income tax, Social Security, Medicare, state income tax, state payroll programs, and local wage taxes, and then what lands in your account. It covers all 50 states and Washington, D.C. It also includes 143 city and county income taxes in 11 states, from New York City and Philadelphia to Detroit, the largest Ohio cities, and every county in Maryland and Indiana. For anywhere else, you can enter your own local rate. It is free to use, there is no account to create, and the calculation runs in your browser, so nothing you type is uploaded.

Why it exists

Most paycheck calculators handle federal and state tax well, then skip the place you actually live. New York City is not the same as New York State, and Philadelphia is not the same as the rest of Pennsylvania. Detroit, Columbus, Cleveland, Baltimore, and Portland all add their own wage taxes. LocalTakehome was built around that local layer. It models a list of published city and county taxes. Anywhere else, it asks you for your local rate rather than guessing one.

Beyond the main calculator, the site has calculators and guides for all 50 states and Washington, D.C., major cities, hourly pay, overtime and tips, bonuses, raises, 401(k) contributions, Form W-4, contractor versus W-2 pay, comparing two job offers, the salary needed for a target take-home pay, and the total cost of an employee to an employer.

How the estimates are made

Federal figures come from IRS Rev. Proc. 2025-32 (the 2026 inflation adjustments) and IRS Publication 15-T. The Social Security wage base comes from the Social Security Administration. State rates and rules come from each state’s tax agency, cross-checked against the Tax Foundation’s 2026 table of state income tax rates. City and county rates come from the tax agency for each place, and each location page links its sources. Every state and local entry carries a “last verified” date and a confidence label. An entry is marked “estimated” when a state rule is only partly modeled, and the state page explains what is missing.

The figures are reviewed whenever the IRS, the SSA, a state, or a city publishes new rates, and the data is updated for each new tax year. Rates were last verified on October 11, 2026. The methodology page explains the formulas, the test cases they are checked against, and the known limits.

How you can check the numbers

• Cited official sources. Every state and city page links the IRS, Social Security Administration, state, or city source behind its rates, and shows the date the rates were last verified.
• Worked examples. State pages show example take-home pay at several salaries. Every result has a “Show the math” section that sets out the federal and state calculation step by step, so you can redo it yourself.
• Published method and test cases. The methodology page explains every formula and lists the test cases the calculator is checked against.
• Stated limits. Where a state rule is simplified, the page says so and labels the result as an estimate, instead of presenting it as exact.

Your privacy

The calculator runs entirely in your browser. When a page loads, the 2026 tax tables load with it, and every figure is worked out on your own device. Your salary, hourly rate, filing status, deductions and location are never sent to a server, and there is no account or sign-up. To save you typing, your last inputs are remembered in your browser’s own storage on your device; you can clear them with “Start over” or by clearing your browser data. Like most free sites, LocalTakehome uses Google Analytics to count visits and pages viewed, and is supported by advertising, which may use cookies. Neither sees what you type into the calculator. The privacy policy sets out the details and your choices.

Guides and reference pages

Alongside the calculators, the site has plain-English guides written from the same 2026 rate tables, including local income taxes explained, living in one state and working in another, Form W-4 explained, how bonuses are taxed, pre-tax versus Roth 401(k) and the 2026 federal brackets. Every state page explains how that state taxes a paycheck. The full list is on the guides page.

Who runs it

This site is owned and operated by LocalTakehome. LocalTakehome is not affiliated with the IRS, the Social Security Administration, any state or local tax agency, or any payroll company, and it does not sell tax preparation or financial products. The calculator is free and is supported by advertising. Ads never change the numbers the calculator produces. You can reach LocalTakehome at support@localtakehome.com.

The results are educational estimates, not tax, legal, or financial advice. For decisions about withholding or filing, use the IRS Tax Withholding Estimator or talk to a tax professional. The terms of use explain this in full.

Corrections

If a rate, bracket, or rule looks wrong, please email support@localtakehome.com with the page, the inputs you used, and a link to the official source if you have one. Confirmed corrections are fixed in the data and reflected in the “last verified” date. The methodology page lists the current sources and known gaps.

Contact

For questions, corrections, privacy requests, or advertising inquiries, email support@localtakehome.com or see the contact page. The privacy policy explains what the site stores and how advertising works.

Embed the calculator

You can show the calculator on another site without the LocalTakehome header and footer. The embed page has the code to copy. The math is the same, and it still runs in the visitor’s browser.