Nurse Take-Home Pay Calculator 2026
See your exact RN net paycheck after federal tax, FICA, state tax, and the new no-tax-on-overtime rule — in seconds.
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Nurse Take-Home Pay in 2026: What RNs Actually Bring Home
If you’re a registered nurse, ICU nurse, travel nurse, or nurse practitioner trying to figure out your real paycheck — you’re in the right place. Most salary figures you see online quote gross pay. But between federal income tax, Social Security, Medicare, and your state’s cut, the number that hits your bank account can be 25–40% lower than your posted salary. This calculator applies every relevant 2026 deduction, including the new OBBBA overtime exemptions that directly benefit nurses who work extra shifts.
Average RN Salary and Take-Home Pay by State (2026)
Nurse salaries vary dramatically by state — both in gross pay and in how much you keep after taxes. Here’s what a registered nurse earning the state median can expect to take home in 2026:
| State | Avg. RN Salary | Est. Annual Take-Home | Monthly Net | State Tax |
|---|---|---|---|---|
| California | $124,000 | ~$82,400 | ~$6,867 | ~9.3% |
| Texas | $82,000 | ~$61,500 | ~$5,125 | 0% |
| New York | $98,000 | ~$68,600 | ~$5,717 | ~6.5% |
| Florida | $76,000 | ~$57,000 | ~$4,750 | 0% |
| Washington | $95,000 | ~$71,250 | ~$5,938 | 0% |
| Illinois | $79,000 | ~$57,300 | ~$4,775 | 4.95% |
| Georgia | $72,000 | ~$52,200 | ~$4,350 | ~5.4% |
| Pennsylvania | $75,000 | ~$55,500 | ~$4,625 | 3.07% |
How the 2026 OBBBA Changes Nurse Pay
The One Big Beautiful Bill Act (OBBBA), signed in 2025 and effective for the 2026 tax year, includes a major benefit for nurses: the first $12,500 in overtime wages you earn is now federally tax-free. For nurses who regularly pick up extra shifts this is a real and meaningful raise. An RN in the 22% federal bracket who works $10,000 in overtime saves $2,200 in federal taxes under the new rule.
Understanding Your Nurse Paycheck Deductions
- Federal Income Tax: Calculated on taxable income after your $16,100 standard deduction (single, 2026). Rates range from 10% to 37%.
- Social Security (6.2%): Applied to all wages up to the $184,500 wage base cap.
- Medicare (1.45%): No cap — applies to every dollar of earned income.
- State Income Tax: Varies from 0% in Texas and Florida to over 9% in California.
- OBBBA Overtime Deduction: Subtract up to $12,500 in overtime from your federal taxable income — automatically applied in this calculator.
Which States Are Best for Nurse Take-Home Pay?
States with no income tax — Texas, Florida, Washington, Nevada, Wyoming — offer the highest take-home pay relative to gross salary. Washington is especially attractive, combining high average RN wages (~$95,000+) with zero state income tax. California offers the highest gross salaries but takes a significant state tax cut, especially for NPs and CRNAs.
See How Your State Compares
Compare your nurse take-home pay against any of the 50 states — find out if relocating is worth it financially.
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