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Bonus 2026 · 22% federal · Social Security · state

Bonus tax calculator 2026 — what lands in your account from a year-end bonus

Short answer. Put in your bonus, what you have earned this year, your 401(k) percentage and your state's bonus rate: you see the federal 22%, Social Security, Medicare, state tax and your take-home. Federal withholding: flat 22% on supplemental wages paid separately; 37% on supplemental wages over $1 million a year (IRS Publication 15 (2026)).

 

  • Check the bonus pay stub: 22% federal linetype the date
  • Move the money to your plan (savings, debt, gifts) within a weektype the date

Remind me 3 days before

Check your own case.

A planning reminder, not a tax deadline.

Bonus tax calculator 2026: first page

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Bonus 2026 · 22% federal · Social Security · state

Your bonus after withholding — federal 22%, Social Security, Medicare, state and 401(k)

Put in your bonus, what you have earned this year, your 401(k) percentage and your state's bonus rate: you see the federal 22%, Social Security, Medicare, state tax and your take-home. No sign-up.

  1. Ask payroll whether the bonus is paid separately (flat 22%) or with a paycheck.
  2. Plan the take-home before it lands: savings, debt, gifts.
  3. A big bonus? Run the tax refund estimator for 2026.

Flat-rate withholding from IRS Publication 15 (2026): federal 22% of the bonus after 401(k); Social Security 6.2% up to $184,500 of wages; Medicare 1.45% plus 0.9% over $200,000; state rate is your input. Withholding is not your final tax. Not tax advice. Check at the start of the year.

Lida, Layers template assistant

Lida, Layers template assistant

Tell me your bonus and your year-to-date pay, and I will show what lands in your account.

The Excel file shows every withholding line.

Deadlines

The rules, with the source

WhatDeadlineSource
Federal withholdingFlat 22% on supplemental wages paid separately; 37% on supplemental wages over $1 million a yearIRS Publication 15 (2026)
Social Security6.2% of wages up to the 2026 wage base of $184,500IRS Publication 15 (2026)
Medicare1.45% of all wages; plus 0.9% Additional Medicare Tax withheld on wages over $200,000IRS Publication 15 (2026)
StateEach state sets its own rule — e.g. Illinois 4.95%, California 10.23% for bonuses; no state income tax in Texas or FloridaIllinois DOR; California EDD DE 44 (2026)

Withholding is a prepayment, not your final tax: the bonus is taxed with your other income on your 2026 return. If your employer adds the bonus to a regular paycheck (aggregate method), withholding follows your W-4 instead. Check at the start of the year.

Step by step

What to do, in order

  1. 1

    Put in the bonus

    Gross bonus and your year-to-date wages from the last pay stub.

  2. 2

    Add 401(k) and state

    Your deferral percentage and your state's rate on bonuses.

  3. 3

    See your take-home

    Every withholding line and what lands in your account.

Questions

How much tax is taken out of a bonus?

If it is paid separately, federal income tax is usually withheld at a flat 22%, plus 6.2% Social Security (up to the $184,500 wage base), 1.45% Medicare and your state's withholding. Many people keep roughly 60–75%.

Why is my bonus taxed so high?

It usually is not taxed higher — it is withheld at a flat rate. When you file, the bonus is taxed with the rest of your income at your bracket; if 22% was too much, the difference comes back as part of your refund.

Does my 401(k) lower the tax on a bonus?

It lowers federal and most state income tax withholding, but not Social Security and Medicare. Check that your plan takes deferrals from bonuses.

What is my state's bonus tax rate?

It depends on the state. Illinois withholds its flat 4.95%; California withholds 10.23% on bonuses; Texas and Florida have no state income tax. Ask payroll or your state's tax agency.

Can I see how much refund I will get?

Use our tax refund estimator for 2026: add the bonus to your wages and the bonus withholding to your total withholding.

Is it free? Do I need to sign up?

It is free and you do not need to sign up: fill in, see the result and download the files. With a free account you can save a copy to your Layers.

Official sources

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An estimate of withholding, not tax advice. Your employer's payroll and your 2026 return decide the final amounts.