Federal Salary Calculator 2026

GS Pay + Locality + TSP + Take-Home Estimator

Your federal compensation

GS Grade

Within-grade base rate. Step 1 = entry; Step 10 = max for that grade.

Step (1-10)

Locality Pay Area

2026 rates. Verify at OPM.gov/policy-data-oversight/pay-leave/salaries-wages.

TSP Contribution %

Agency matches first 5%. Default = 5% to capture full match. Annual cap $23,500 (2026).

Health Insurance (FEHB) Annual Premium

FEHB Self-Only typical ~$3,600/yr employee share. Family ~$8,400/yr.

State Tax %

VA = 5.75% top bracket. DC = 8.5%. MD = 5.75%. CA = 9.3%. TX/FL/WA/NV = 0%.

Your 2026 Take-Home

Base salary (GS step),

Locality adjustment,

Adjusted basic pay,

TSP employee contribution,

TSP agency match (max 5%),

Federal income tax (est.),

FICA (Social Security + Medicare),

State tax,

FEHB health premium,

Take-home (annual),

Take-home (monthly),

Take-home (bi-weekly),

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How this calculator works

GS base pay is from the 2026 OPM General Schedule. Locality pay percentages are 2026 rates from the President's Pay Agent. TSP match follows the standard formula: agency contributes 1% automatic + matches first 3% dollar-for-dollar + matches next 2% at 50¢/dollar (max 5% match on 5% employee contribution).

Federal tax estimate uses 2026 single-filer brackets after standard deduction ($14,600). For married/HOH, the calculator slightly underestimates take-home. FICA is 6.2% Social Security (capped at $176,100 wage base for 2026) + 1.45% Medicare uncapped + 0.9% additional Medicare over $200K single.

This calculator is informational. Always verify with OPM, your HR, and a tax advisor.

Who built this

Built by Sentinelle Systems LLC, a federal contracting firm in Virginia. We run 190+ NAICS codes on SAM.gov and built this because every existing federal salary calculator either was wildly out of date or buried behind a paywall.

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