Paycheck Calculator — All 50 States

Free take-home pay estimator for every U.S. state · 2026 federal & state tax rates · Updated January 2026

Federal income tax and FICA take 20–30% of every paycheck regardless of your state. State income tax is the variable — pick your state below to see the full picture.

No state income tax (9 states)

Alaska No tax Florida No tax Nevada No tax New Hampshire No tax South Dakota No tax Tennessee No tax Texas No tax Washington No tax Wyoming No tax

Flat rate income tax (15 states)

Arizona 2.50% Colorado 4.40% Georgia 5.39% Idaho 5.80% Illinois 4.95% Indiana 3.05% Iowa 3.80% Kentucky 4.00% Louisiana 3.00% Massachusetts 5.00% Michigan 4.25% Mississippi 4.00% North Carolina 4.50% Pennsylvania 3.07% Utah 4.65%

Progressive income tax (26 states)

Alabama Arkansas California Connecticut Delaware Hawaii Kansas Maine Maryland Minnesota Missouri Montana Nebraska New Jersey New Mexico New York North Dakota Ohio Oklahoma Oregon Rhode Island South Carolina Vermont Virginia West Virginia Wisconsin

How this calculator works

Every state page runs a full paycheck calculation in your browser using 2026 IRS Publication 15-T methodology and your state's current tax rates. Enter your gross pay, pay frequency, and filing status — and see a complete breakdown of federal income tax, Social Security, Medicare, and state income tax withheld each pay period.

What affects your take-home pay?

  • Federal income tax — based on 2026 brackets and your filing status. Standard deduction is $15,000 (single), $30,000 (MFJ), or $22,500 (head of household).
  • Social Security — 6.2% on wages up to $176,100. Stops once you hit the wage base in a calendar year.
  • Medicare — 1.45% on all wages, plus 0.9% on wages above $200,000 (single) or $250,000 (married).
  • State income tax — ranges from 0% (9 states) to over 13% (California). The biggest variable by state.
  • Pre-tax deductions — traditional 401(k) and Section 125 health insurance premiums lower your taxable income before federal and state tax is calculated.

Why state income tax matters

A worker earning $80,000 in Texas pays $0 in state income tax. The same worker in California pays roughly $5,000–$6,000 in state income tax. Over a 30-year career, that difference compounds significantly. Understanding your state's tax structure helps you make informed decisions about compensation, retirement contributions, and budgeting.

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