15 states, one honest engine

State paycheck calculators

Take-home pay per paycheck for 15 states: federal brackets, FICA, each state's income-tax table, and pre-tax 401(k)/health deductions. No-tax states modeled as no-tax — not rounded or ignored. Single-filer 2026 model; inputs never leave your browser.

State rate integrity pass 2026-09-12: 16 flat-rate states and all 9 no-income-tax states verified against their own revenue departments; graduated-bracket states remain unverified estimates and are labelled as such on each page. Not tax advice.

FL

Florida paycheck calculator

No state income tax on wages. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →GA

Georgia paycheck calculator

Flat 4.99% state rate. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →KY

Kentucky paycheck calculator

Flat 3.50% state rate. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →MA

Massachusetts paycheck calculator

Flat 5.00% state rate. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →NC

North Carolina paycheck calculator

Flat 3.99% state rate. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →NV

Nevada paycheck calculator

No state income tax on wages. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →OH

Ohio paycheck calculator

Flat 2.75% state rate. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →PA

Pennsylvania paycheck calculator

Flat 3.07% state rate. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →TN

Tennessee paycheck calculator

No state income tax on wages. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →NJ

New Jersey paycheck calculator

7 graduated brackets, top 10.75%. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →NY

New York paycheck calculator

8 graduated brackets, top 10.90%. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →AZ

Arizona paycheck calculator

Flat 2.50% state rate. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →IL

Illinois paycheck calculator

Flat 4.95% state rate. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →MI

Michigan paycheck calculator

Flat 4.25% state rate. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →WI

Wisconsin paycheck calculator

3 graduated brackets, top 6.27%. Take-home pay with federal tax, FICA, and pre-tax deductions.

Open calculator →
Related

Federal and satellite tools

Federal paycheck calculator · Salary to hourly converter · State income tax brackets

Worked example: $60,000 salary in Ohio, biweekly, with a 5% 401(k)

Start with $60,000 a year paid over 26 biweekly checks: gross is 60,000 / 26 = $2,307.69 per check. A 5% 401(k) deferral takes $115.38, which lowers federal taxable wages but not FICA.

Federal income tax: the standard deduction ($15,000 single, 2025) drops annual taxable income to $45,000 minus the $3,000 in 401(k) contributions, so $42,000. The first $11,925 is taxed at 10% ($1,192.50) and the remaining $30,075 at 12% ($3,609.00), for $4,801.50 a year, or $184.67 per check.

FICA is 6.2% Social Security ($143.08) plus 1.45% Medicare ($33.46) on the full gross, since 401(k) deferrals do not reduce it. Ohio's flat 2.75% rate takes $63.46. Subtract all five amounts from $2,307.69 and the take-home is $1,767.64 per check, about $45,959 a year. Without the 401(k), federal tax rises to $198.52 per check and take-home to $1,868.77, so the contribution costs $101.13 in cash now for $115.38 in savings.

What a state flat rate does not capture

Ohio's 2.75% is only the state layer. Most Ohio municipalities levy their own wage tax, typically 1% to 3%, and school districts can add up to 2% more. A Columbus worker at a 2.5% city rate loses another $57.69 per $2,307.69 check, which can exceed the state withholding itself. A flat-rate result is a floor, not a final number.

Two other gaps matter in practice. First, Social Security stops at the wage base ($176,100 for 2025), so someone earning $200,000 has no 6.2% withholding on the last $23,900, making their late-year checks noticeably larger than a flat percentage implies. Second, flat rates apply to W-2 wages only: self-employment income carries a 15.3% combined FICA-equivalent, and bonuses are supplemental wages withheld at a flat 22% federally, so a $5,000 year-end bonus in Ohio withholds $1,100 federal plus 2.75% state regardless of your actual bracket.