StateLine Calc
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Paycheck Calculator by State, 2026

Pick your state and see what actually reaches your bank account. Every calculator applies the 2026 federal brackets, Social Security at 6.2 percent up to $184,500, Medicare at 1.45 percent, and whatever your own state withholds on top. Free, no sign-up, and nothing you type leaves your browser.

Calculators available now

  • Nevada paycheck calculator — nothing at all is withheld at state level. The constitution forbids taxing wages, and there is no payroll program either.
  • Florida paycheck calculator — nothing at state level either. Its constitution sets a ceiling on taxing personal income rather than banning it outright, which is a real difference from Texas even though the paycheck is identical.
  • Illinois paycheck calculator — a flat 4.95% since 2017, but what you subtract first is a personal exemption counted per person, not a standard deduction, and it is withdrawn entirely above $250,000 rather than tapered.
  • Georgia paycheck calculator — the first state here that does tax wages: a flat 4.99% in 2026, after a $15,000 standard deduction. Georgia also broke with the federal rules on tips and overtime this year.
  • Texas paycheck calculator — nothing is withheld at state level either, and the ban is constitutional: the legislature is barred from taxing net income, and since November 2025 from taxing capital gains as well.
  • Pennsylvania paycheck calculator — a flat 3.07% with no standard deduction and no personal exemption, so the rate bites from the first dollar. Pennsylvania also withholds unemployment from the employee, and it is the one state here where a 401(k) contribution does not reduce your state tax.
  • Washington paycheck calculator — no state income tax, but Paid Family and Medical Leave and WA Cares still come out of every check.
  • Michigan paycheck calculator — a flat 4.25% above a $5,900 personal exemption for each exemption claimed, so the share Michigan actually takes stays below its headline rate. A number of Michigan cities add their own tax on top; Detroit takes 2.4% from residents.
  • Utah paycheck calculator — a flat 4.45% in 2026, down from 4.5%, applied to your whole wage: Utah has no standard deduction and no personal exemption. Relief arrives afterwards as a $485 taxpayer credit that fades by 1.3 cents per dollar earned above $9,348 and disappears at $46,656, so Utah only becomes a true flat tax above that line.
  • Ohio paycheck calculator — one of the lowest state income taxes published here, and the oddest shape. Nothing is owed on the first $26,050 of taxable income, and then $332 plus 2.75% of the excess — so the dollar that crosses the line costs $332 at once. The personal exemption shrinks as you earn more. City and school district income taxes, which most Ohioans pay, come on top.

More states are being added, one at a time. Each new page needs its own rates read from that state’s own agency, so they arrive in ones rather than fifty at once. The full list of states is further down this page.

Paid by the hour rather than by the year? Start from your rate instead: $25 an hour is how much a year works the conversion the other way and then shows what survives tax in each state, and the salary to hourly calculator does the reverse for an annual figure.

What a paycheck calculator actually tells you

Gross pay is the number in your offer letter. Net pay is the number that reaches your account, and between the two sit four or five separate deductions that are calculated in different ways, from different bases, with different ceilings. A paycheck calculator does that arithmetic in the right order so you do not have to.

The federal part, identical in all 50 states

Federal income tax is charged on your income after the standard deduction — $16,100 for a single filer in 2026, $32,200 for a married couple filing jointly. It then runs through graduated bands: 10 percent on the first slice, then 12, 22, 24, 32, 35 and 37 percent, each rate applying only to the dollars inside its band. Being “in the 22 percent bracket” never means paying 22 percent of your salary.

FICA, also identical everywhere

Social Security takes 6.2 percent of gross wages, not of taxable income, and stops once you have earned $184,500 in 2026. Medicare takes 1.45 percent of gross wages with no ceiling at all, plus an extra 0.9 percent on wages above $200,000. Together they are the reason a low earner’s effective rate is higher than a naive look at the tax brackets suggests.

The state part, which is the whole point of this site

This is where two people on the same salary end up thousands of dollars apart. A state may take nothing, a single flat percentage, or a graduated set of brackets with its own deductions and exemptions that look nothing like the federal ones. A handful of states also run payroll programs — paid family leave, long-term care, disability insurance — that are withheld separately from income tax and are easy to overlook.

The three kinds of state

States with no income tax

Nine states levy no personal income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. New Hampshire was the most recent addition to the full list, having completed the phase-out of its tax on interest and dividends on January 1, 2025. Washington taxes certain capital gains but not wages.

No income tax does not mean nothing is withheld. Federal tax and FICA still come out everywhere, and several of these states run their own payroll programs. In Washington, Paid Family and Medical Leave plus WA Cares take roughly 1.4 percent of gross pay off the top before you get to anything else.

States with a single flat rate

A growing group of states charge one percentage on all taxable income rather than graduated bands. The arithmetic is simple, but the base is not always: some flat-rate states start from federal adjusted gross income, some from federal taxable income, and some apply their own personal exemption first. Two states with the same headline rate can produce different withholding.

States with graduated brackets

Most states use graduated brackets like the federal system, and this is where the detail matters most. Bracket thresholds vary enormously — a top rate that kicks in at $10,000 of income behaves like a flat tax for almost everyone, while one that starts above $1 million affects almost no one. Standard deductions, personal exemptions and the treatment of retirement income all differ by state as well.

How to use these calculators

  1. Enter annual gross pay, before any deductions. If you are paid hourly, multiply your rate by the hours you actually work in a year rather than assuming 2,080.
  2. Pick your filing status. Single and married filing jointly produce very different results, because both the standard deduction and the bracket thresholds move.
  3. Read the breakdown, not just the total. Every page itemizes each deduction so you can see which one is actually taking the money.
  4. Compare against the table. Each page publishes a full table of results across salary levels, so you can see where you sit and what a raise would really be worth.

What these calculators do not model

They assume a straightforward situation: one job, the standard deduction, wage income only. They do not include 401(k) or HSA contributions, employer health premiums, tax credits, itemized deductions, a second job, self-employment income, or local city taxes. Our methodology page lists the full set of assumptions and every source we read, with the date we read it.

All 50 states

Live calculators are linked. The rest are listed for reference and are being written in order, starting with the states where the published rates are most straightforward to verify.

Frequently asked questions

How much of my paycheck goes to taxes?

For a single filer on an average US salary, total withholding usually lands between about 18 and 30 percent of gross pay. The federal portion and FICA are the same everywhere; the spread comes almost entirely from the state.

Which states have no income tax in 2026?

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming — nine in total. None of them tax wages.

Does living in a no-income-tax state mean nothing comes out of my paycheck?

No. Federal income tax, Social Security and Medicare are withheld in every state, and several no-income-tax states run payroll programs of their own. Washington withholds Paid Family and Medical Leave and WA Cares from every check.

Which state taxes my pay if I live in one state and work in another?

Usually both have a claim. The state where you work taxes the income earned there; your home state taxes your worldwide income and then credits the tax you already paid elsewhere. Some neighboring states have reciprocity agreements that let you be taxed only at home. This is the case where a simple calculator is least reliable and a professional is genuinely worth paying.

Why does my real pay stub differ from the calculator?

Withholding is a running estimate your employer makes from your W-4; our figure estimates liability on a simplified wage situation. Pre-tax 401(k), HSA and health premiums, tax credits, itemized deductions, a second job and local taxes all move the real number. Treat a few percent of difference as normal, and see the disclaimer for the full list.

Are these calculators free, and is there a catch?

Free, with no sign-up and no email capture. Salary figures you type are processed in your browser and never sent anywhere — see the privacy policy for what our analytics do and do not collect.

Published August 27, 2026. Last updated August 27, 2026. Federal rate data verified August 22, 2026; next scheduled review January 15, 2027.

StateLine Calc provides general information for educational purposes only. It is not financial, tax or legal advice. Results are estimates based on published rates.