See how much of your bonus you actually keep after federal supplemental tax, FICA, and state tax.
Bonuses are "supplemental wages." Employers use one of two IRS methods: the percentage method withholds a flat 22% federal (37% above $1 million), or the aggregate method adds the bonus to your regular paycheck and withholds at your normal rate. Either way, your actual tax owed is based on your total annual income — any over-withholding comes back as a refund.
The flat 22% federal supplemental rate plus 7.65% FICA plus state tax can make a bonus feel heavily taxed. But this is withholding, not your final tax. If your marginal rate is below 22%, you get the difference back at filing.
For most filers, a $10,000 bonus nets roughly $6,500-$7,200 after the 22% federal supplemental withholding, 7.65% FICA, and state tax. The exact amount depends on your state — use the calculator above.
No. Bonuses are withheld at a flat 22% which can be higher OR lower than your paycheck withholding, but your final tax rate is identical to regular income. The "higher tax" feeling is just withholding timing.
Estimates for 2026 using IRS supplemental wage rules and FICA. Withholding shown is not final tax — actual liability is settled at filing. Not tax advice.
Tax calculations are estimates for educational and informational purposes only. This site does not provide tax, legal, or financial advice. Tax laws change frequently. Always consult a qualified tax professional for advice specific to your situation. Data sourced from IRS publications and official state tax authority websites.
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