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See how much of your bonus you keep after federal withholding (22% supplemental rate), Social Security, Medicare and state tax.
How much of my bonus will I keep?
Everything happens on your device: nothing is uploaded to the internet.
Flat-rate method used by most employers (2026). Your final tax is figured when you file.
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Bonus tax calculator: what it is for
Enter your bonus and your wages so far this year. The calculator applies the 22% federal supplemental withholding rate (37% above $1 million), Social Security up to the 2026 wage base, Medicare and your state rate, and shows how much lands in your bank account.
Remember that withholding is not your final tax: you settle up when you file.
How to use
- Enter the bonus amount.
- Enter your wages so far this year and your state rate.
- See the withholding and your take-home bonus.
When to use it
- Knowing what a bonus is really worth.
- Planning how to spend or invest a bonus.
- Comparing a bonus with a raise.
Frequently asked questions
Why is my bonus taxed so much?
Bonuses are supplemental wages, and most employers withhold federal tax at a flat 22% (37% on the part above $1 million in a year), plus Social Security, Medicare and state tax. It often feels high, but it is withholding, not your final tax.
Is a bonus taxed at a higher rate?
No. At tax time the bonus is added to your other income and taxed at your normal rates. If 22% was more than your real rate, you get the difference back in your refund.
Does Social Security apply to bonuses?
Yes, 6.2% until your total wages for the year reach $184,500 in 2026. Medicare (1.45%) applies to all of it.
Is it really free?
Yes, 100% free. No sign-up, no subscription and no usage limits. All Tools123 tools are free and run right in your browser.