2026 North American Salary & Tax Calculator
Accurately estimate federal income tax, state/provincial taxes, FICA/CPP/EI payroll contributions, and region-specific levies. Fully client-side — your data never leaves your browser.
Calculator Inputs
★ = States/provinces with specific payroll levies configurable below
Colorado — Regional Payroll Levies
Estimated Take-Home Pay
Save & Export Results
Download a professional PDF or copy a formatted text report
Deductions Breakdown
Gross Income Allocation
Frequently Asked Questions
Which states have additional payroll levies?
Several states impose employee-paid payroll taxes beyond FICA. These include California (SDI, 1.1% uncapped), Washington (WA Cares LTC 0.58% + PFML 0.74%), New Jersey (FLI/TDI ~0.45%), Massachusetts (PFML 0.46%), Colorado (FAMLI 0.45%), and Oregon (Transit Tax 0.1% + Paid Leave 0.6%). Select these states in the calculator to see their specific levies with individual toggle checkboxes.
What are pre-tax retirement plans (401k / RRSP)?
Pre-tax contributions reduce your taxable income before income taxes are calculated. The 2026 US 401(k) base limit is $24,000, while the Canadian RRSP limit is 18% of earned income up to $32,490.
How does Quebec QPP and QPIP work?
Quebec manages its own pension (QPP at 6.4% vs. CPP at 5.95%) and parental leave (QPIP at 0.494% up to $97,000). In exchange, Quebec residents pay a lower Employment Insurance rate of 1.25% vs. the standard 1.66%.
What is the Ontario Health Premium?
Ontario residents pay a progressive health premium up to $900/year based on taxable income, separate from provincial income tax. It starts at incomes above $20,000 and reaches its maximum at $200,000+.