The number in your offer letter and the number that lands in your account are not close. This works out the gap, using 2026 federal rates, and shows you exactly which line takes what.
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Uses 2026 federal figures: the standard deduction, the seven federal brackets, Social Security at 6.2% on wages to $184,500, Medicare at 1.45% plus the 0.9% surtax above $200,000 single or $250,000 joint. State tax is applied as a flat effective rate you enter, which is an approximation: most states have brackets, some have none, and a few tax differently. This assumes the standard deduction, health premiums paid pre-tax through a Section 125 plan, and a traditional rather than Roth 401(k). It does not include local or city taxes, state disability or paid family leave withholding, other benefit deductions, or credits. Estimates only, not tax advice.