2026 Federal Pay Tax Estimator
Estimated federal income tax, Social Security, and Medicare deductions for any 2026 GS salary. Uses official 2026 IRS tax brackets (Revenue Procedure 2025-32) and SSA wage base figures.
Last updated: · Assumes single filer, standard deduction
Official IRS 2026 figures. Calculations reflect the official 2026 tax brackets and standard deduction published in IRS Revenue Procedure 2025-32, and the 2026 SSA wage base ($184,500). For binding payroll withholding, consult the IRS W-4 withholding calculator and your agency payroll office.
Pre-Computed Tax Scenarios (Single Filer, Standard Deduction, 2026 Brackets)
| Scenario | Gross Annual | Federal Tax | SS (6.2%) | Medicare (1.45%) | Total Tax | Net Annual | Net Monthly | Eff. Rate |
|---|---|---|---|---|---|---|---|---|
| GS-7 Step 1, DC | $57,736 | $4,748 | $3,580 | $837 | $9,165 | $48,571 | $4,048 | 15.9% |
| GS-9 Step 1, DC | $70,623 | $6,707 | $4,379 | $1,024 | $12,110 | $58,513 | $4,876 | 17.1% |
| GS-11 Step 5, DC | $96,843 | $12,475 | $6,004 | $1,404 | $19,884 | $76,959 | $6,413 | 20.5% |
| GS-13 Step 5, DC | $138,024 | $21,860 | $8,557 | $2,001 | $32,419 | $105,605 | $8,800 | 23.5% |
| GS-9 Step 1, SF | $77,161 | $8,145 | $4,784 | $1,119 | $14,048 | $63,113 | $5,259 | 18.2% |
| GS-13 Step 5, SF | $150,802 | $24,926 | $9,350 | $2,187 | $36,463 | $114,339 | $9,528 | 24.2% |
| GS-15 Step 10, SF (capped) | $197,200 | $36,062 | $11,439 | $2,859 | $50,360 | $146,840 | $12,237 | 25.5% |
| GS-7 Step 1, Rest of U.S. | $50,460 | $3,875 | $3,129 | $732 | $7,735 | $42,725 | $3,560 | 15.3% |
Methodology: 2026 federal income tax brackets from official IRS Rev. Proc. 2025-32. Standard deduction: $16,100 single ($32,200 MFJ, $24,150 HOH). Social Security: 6.2% on the first $184,500 of gross wages (official 2026 SSA wage base). Medicare: 1.45% on all wages + 0.9% Additional Medicare Tax above $200,000 (single). Does not include state income tax, TSP contributions, FEHB premiums, or pre-tax deductions. For a binding estimate, consult the IRS withholding calculator at irs.gov/W4app and your agency's payroll office.
2026 Tax Brackets (Single)
- $0–$12,40010%
- $12,400–$50,40012%
- $50,400–$105,70022%
- $105,700–$201,77524%
- $201,775–$256,22532%
- $256,225–$640,60035%
- $640,600+37%
FICA Breakdown (2026)
- Social Security (first $184,500)6.20%
- Medicare (all wages)1.45%
- Add'l Medicare (over $200k)0.90%
- Total max (under SS cap)7.65%
Standard Deduction (2026)
- Single / MFS$16,100
- MFJ / QSS$32,200
- HOH$24,150
For an interactive calculator with grade/step/locality input, see the main 2026 Federal Pay Calculator. This page provides a quick-reference lookup of pre-computed tax scenarios for the most common GS pay levels.