Gross-Up Calculator 2026 (US)
The take-home calculator answers "what do I keep from this gross?". A gross-up answers the inverse: "what gross do I need so that this net lands in the bank?". Employers use it for relocation bonuses, taxable reimbursements, and offers quoted as a net number.
This tool inverts the same 2026 engines as the take-home paycheck calculator — IRS Pub 15-T percentage method + employee FICA — with a binary search to the nearest cent.
find G such that take-home(G) = target net
take-home(G) = G − 401(k) − other pre-tax − federal withholding(G) − FICA(G)
Worked example
Single, biweekly, no 401(k), Step 2 unchecked, target net $1,500:
- Required gross: $1,812.55
- Federal withholding: ~$164
- FICA: ~$139
- Resulting take-home: $1,500
The $2,000 biweekly default from the take-home tool (net $1,651.15) round-trips: gross-up($1,651.15) recovers $2,000.
Same scope cuts as the take-home engine: no W-4 Steps 3/4, no Additional Medicare Tax 0.9%, no Roth 401(k), no state or local tax. Educational estimate from IRS Pub 15-T (2026) and 26 U.S.C. § 3101; not tax advice.
Official sources
- IRS Publication 15-T (2026) — percentage method tables
- IRS Topic No. 751 — Social Security and Medicare withholding rates
Related tools (United States):
- Take-home paycheck calculator
- Federal income tax withholding calculator
- FICA calculator
- Bonus tax (supplemental wages)
It is the gross wages that produce a target take-home after taxes. If you want $1,500 net, the employer has to pay more than that to cover federal withholding and FICA.
Yes. It inverts the 2026 Pub 15-T + FICA engine from the take-home tool. Gross-up(take-home(G)) ≈ G.
W-4 Steps 3/4, Additional Medicare Tax 0.9%, Roth 401(k), and state or local taxes. Educational estimate, not tax advice.