Pick your state
How a paycheck is taxed
Take-home = Gross pay − pre-tax deductions − federal income tax − Social Security − Medicare − state income tax − state payroll − local tax
- Federal income tax: yearly pay minus 401(k), pre-tax health and HSA, minus the 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household), run through the 2026 brackets.
- Social Security: 6.2% of pay up to $184,500. Medicare: 1.45% of all pay, plus 0.9% on pay over $200,000.
- State income tax: each state's own 2026 brackets or flat rate, standard deduction, exemptions and credits. Some states don't let you subtract certain pre-tax items: Pennsylvania taxes 401(k) contributions, and California and New Jersey tax HSA contributions.
- State payroll: disability, paid leave and unemployment deductions in states that have them, such as CA SDI, NY PFL, NJ TDI/FLI and WA PFML.
- Local: New York City and Yonkers tax is built in. For other cities and counties, enter the rate in Local tax %.
2026 state income tax and take-home pay on $75,000
Single filer, paid every two weeks, no pre-tax deductions or local tax. 9 states have no tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming.
| State | Income tax rates | Employee payroll deductions | Per biweekly check |
|---|---|---|---|
| Alabama | 2% – 5% | — | $2,249.65 |
| Alaska | None | Alaska unemployment insurance | $2,358.52 |
| Arizona | Flat 2.5% | — | $2,304.86 |
| Arkansas | 0% – 3.7% | — | $2,280.96 |
| California | 1% – 13.3% | CA SDI | $2,224.73 |
| Colorado | Flat 4.4% | Colorado FAMLI | $2,256.57 |
| Connecticut | 2% – 6.99% | CT Paid Leave | $2,224.71 |
| Delaware | 0% – 6.6% | — | $2,230.13 |
| District of Columbia | 4% – 10.75% | — | $2,237.08 |
| Florida | None | — | $2,368.94 |
| Georgia | Flat 4.99% | — | $2,253.79 |
| Hawaii | 1.4% – 11% | — | $2,219.09 |
| Idaho | 0% – 5.3% | — | $2,258.68 |
| Illinois | Flat 4.95% | — | $2,231.72 |
| Indiana | Flat 2.95% | — | $2,284.98 |
| Iowa | Flat 3.8% | — | $2,284.40 |
| Kansas | 5.2% – 5.58% | — | $2,238.74 |
| Kentucky | Flat 3.5% | — | $2,272.50 |
| Louisiana | Flat 3% | — | $2,297.26 |
| Maine | 5.8% – 7.15% | Maine Paid Family and Medical Leave | $2,205.26 |
| Maryland | 2% – 6.5% | — | $2,245.91 |
| Massachusetts | 5% – 9% | MA Paid Family and Medical Leave | $2,219.90 |
| Michigan | Flat 4.25% | — | $2,255.99 |
| Minnesota | 5.35% – 9.85% | Minnesota Paid Leave | $2,218.69 |
| Mississippi | 0% – 4% | — | $2,281.71 |
| Missouri | 0% – 4.7% | — | $2,269.42 |
| Montana | 4.7% – 5.65% | — | $2,258.30 |
| Nebraska | 2.46% – 4.55% | — | $2,271.52 |
| Nevada | None | — | $2,368.94 |
| New Hampshire | None | — | $2,368.94 |
| New Jersey | 1.4% – 10.75% | NJ unemployment insurance, NJ workforce funds, NJ disability insurance (TDI), NJ family leave insurance (FLI) | $2,249.66 |
| New Mexico | 1.5% – 5.9% | — | $2,278.20 |
| New York | 3.9% – 10.9% | NY disability insurance (SDI), NY Paid Family Leave | $2,222.47 |
| North Carolina | Flat 3.99% | — | $2,273.41 |
| North Dakota | 0% – 2.5% | — | $2,361.12 |
| Ohio | 0% / 2.75% | — | $2,306.62 |
| Oklahoma | 0% – 4.5% | — | $2,260.12 |
| Oregon | 4.75% – 9.9% | Paid Leave Oregon, Oregon statewide transit tax | $2,128.25 |
| Pennsylvania | Flat 3.07% | PA unemployment compensation | $2,278.37 |
| Rhode Island | 3.75% – 5.99% | RI temporary disability insurance | $2,252.76 |
| South Carolina | 1.99% – 5.21% | — | $2,266.74 |
| South Dakota | None | — | $2,368.94 |
| Tennessee | None | — | $2,368.94 |
| Texas | None | — | $2,368.94 |
| Utah | Flat 4.45% | — | $2,249.34 |
| Vermont | 3.35% – 8.75% | — | $2,273.18 |
| Virginia | 2% – 5.75% | — | $2,234.39 |
| Washington | None | WA Paid Family and Medical Leave, WA Cares Fund | $2,328.93 |
| West Virginia | 2.11% – 4.58% | — | $2,271.02 |
| Wisconsin | 3.5% – 7.65% | — | $2,255.73 |
| Wyoming | None | — | $2,368.94 |
Limits of this estimate
- Tax is worked out for the whole year and spread evenly over your paychecks. Employers use withholding tables and your W-4, so a real check can differ by a few dollars.
- Dependents, itemized deductions, state credits and the new federal tips, overtime and senior deductions aren't included.
- It assumes you live and work in the same state. Each state page lists what's simplified for that state.
Sources
- IRS Rev. Proc. 2025-32 and IR-2025-103 – 2026 federal brackets and standard deduction
- SSA contribution and benefit base ($184,500 for 2026)
- IRS Topic 560, Additional Medicare Tax
- Tax Foundation: State Individual Income Tax Rates and Brackets, 2026 – checked against each state's own publication for the largest states and for states that changed their law in 2026; each state page lists its sources