Connecticut Paycheck Calculator 2026

How this calculator works

The Connecticut Department of Revenue Services publishes its withholding method as a list of sixteen steps, and this calculator follows them. Your pay is converted to a yearly amount. A personal exemption comes off, and it shrinks as pay rises. The rest is taxed at rates from 2% to 6.99%. Two amounts are added, a phase-out add-back and a tax recapture, and the total is multiplied by one minus a personal tax credit that also shrinks as pay rises. The yearly result is divided by the number of pay periods. The Department says there is no percentage method for Connecticut: employers use either these rules or its printed tables.

The calculator applies these deductions in this order:

• Federal income tax. Your gross pay minus the federal standard deduction for your filing status, run through the 2026 federal brackets.
• Social Security at 6.2% of gross wages, up to the 2026 wage base of $184,500.
• Medicare at 1.45% of all wages, with no cap, plus the 0.9% Additional Medicare Tax on wages above $200,000.
• Connecticut income tax: your wages after any 401(k) contribution, run through the Department’s formula for your withholding code.
• CT Paid Leave at 0.5% of gross wages up to $184,500.

This calculator has no other Connecticut line. We looked for a state payroll deduction on your check beyond Paid Leave and found none.

Rates come from the agencies that set them: the IRS for the federal brackets, the standard deduction and FICA, cross-checked against the Social Security Administration for the wage base; and, for Connecticut, the Department of Revenue Services’ Withholding Calculation Rules, Form CT-W4 and Circular CT, the CT Paid Leave Authority and the Connecticut General Statutes. Our full sourcing is on the methodology page.

How current the source is. The Department’s rules are revised 12/25 and say that the 2026 withholding calculation rules and 2026 withholding tables are unchanged from 2025. We read them, Form CT-W4 and Circular CT on October 20, 2026. The federal figures, Social Security wage base and Medicare thresholds are the 2026 ones.

How we checked the formula against the printed tables. The Department also prints withholding tables for weekly, every-two-weeks, twice-a-month and monthly pay, with one column for each of its five withholding codes. The printed file has no text layer, so we read it with optical character recognition, kept the rows whose pay ranges we could read cleanly, and recomputed every amount from the formula at the middle of each pay range. That midpoint method reproduces the Department’s own printed row for $461 to $471 a week. 2,445 printed amounts matched to the cent, for all five codes. The rows the scan could not read cleanly were left out rather than guessed.

Withholding is an estimate, not your final bill. The figure here is what an employer takes from each check using the Department’s formula. Your actual Connecticut income tax is figured on your return, so what you owe or get back when you file can differ.

What the calculator deliberately leaves out: withholding code A (a working spouse), D and E, the extra and reduced withholding lines of the CT-W4, the Department’s supplemental tables for married couples who both work, bonuses, work in another state, and health insurance premiums and other employer benefit deductions.

The sixteen steps, worked through on $75,000

The Department’s steps are short enough to follow by hand. For a single filer paid $75,000 a year with withholding code F: the annualized pay is $75,000; the personal exemption for code F is $0 at this pay, so taxable pay is $75,000; the initial tax is $2,000 plus 5.5% of the $25,000 above $50,000, which is $3,375.00; the 2% phase-out add-back for pay between $71,500 and $76,500 is $100; the tax recapture is $0 below $105,000; and the personal tax credit is 0% above $64,500. The total is $3,475.00 a year. The table shows the same steps for the three filing statuses this calculator offers.

Connecticut’s rates and the withholding codes

Form CT-W4 turns your filing status and a statement about your income into a one-letter withholding code, and the code decides which exemption, which rate table and which credit your employer uses. The table shows the three codes this calculator uses, and the pay at which each personal exemption is gone and each personal tax credit has faded to nothing.

The seven rates are the same for every filer, but the pay at which each step ends differs by rate table. The table lists where the first six steps end; above the sixth step the rate is 6.99%.

Because of the exemption, the add-backs and the credit, a single filer’s withholding does not climb smoothly. The table shows Connecticut withholding at a few pay levels, including the one-dollar step at $64,500.

If you live or work across a state line

Connecticut borders New York, Massachusetts and Rhode Island, and many people live in one state and work in another. The rules that apply depend on where you live and where you do the work, and this calculator models none of them. It assumes you live and work in Connecticut.

If you live in Connecticut and work elsewhere

The Department’s Circular CT says all wages of a Connecticut resident are subject to Connecticut income tax withholding even if the resident works outside Connecticut. Where an employer does business in both Connecticut and the other state, the Circular tells it to work out the Connecticut tax on the total wages and then adjust for the other state’s withholding. Ask your employer which state it is withholding for.

If you live elsewhere and work in Connecticut

The Circular CT says wages of a nonresident are subject to Connecticut withholding if they are paid for services rendered in Connecticut. Form CT-W4NA is for a nonresident who works partly in and partly outside Connecticut for the same employer; it is not modeled here.

Which neighboring states have a calculator here

We publish a calculator for Massachusetts and Rhode Island. New York is not published on this site yet.

Connecticut hourly paycheck: what your rate is worth after tax

Why we ask for your hours instead of assuming 2,080

Many hourly calculators multiply your rate by 2,080 and call it a year. That is 40 hours a week for 52 weeks, which describes a full-time schedule, not every hourly job. If you work 32 hours a week, or 45 with overtime, the assumed figure is wrong before any tax is applied. The calculator above asks for your hours and uses them. In Connecticut your hours also matter because of the exemption: a single filer earning $15,000 or less a year has nothing withheld.

What is $20 an hour after taxes in Connecticut?

At 40 hours a week, $20 an hour is $41,600 a year gross. After federal tax, Social Security, Medicare, Connecticut income tax withholding and Paid Leave, that leaves about $34,059 a year, or $2,838.28 a month. Your real hourly rate — what an hour of work actually puts in your bank account — is $16.37. Connecticut income tax is $1,338.30 for the year, and Paid Leave is $208.00.

What are $25 and $30 an hour after taxes in Connecticut?

$25 an hour is $52,000 gross and about $41,803 after tax, a real rate of $20.10. $30 an hour is $62,400 gross and about $49,411 after tax, a real rate of $23.76. Connecticut income tax withholding is $1,899.00 a year at $25 an hour, and $2,595.40 at $30.

Overtime and bonuses

The calculator multiplies your rate by the hours you enter and adds no overtime premium, and it does not model bonuses. The Circular CT says that when overtime or a bonus is paid at the same time as regular wages, the tax is figured on the total as one payment. If you work variable hours, enter the average number of hours you expect to work each week.

Connecticut take-home pay by hourly rate

Single filer, 40 hours a week (2,080 hours a year).

What this calculator does not cover

This tool models federal income tax, Social Security, Medicare and the payroll programs your state actually runs — nothing more. It deliberately leaves out:

• Itemized deductions and federal tax credits — the Child Tax Credit, the Earned Income Tax Credit, education credits. The engine always applies the standard deduction; there is no itemizing path.
• A second job, self-employment income or 1099 pay. Every dollar you enter is treated as one employer’s W-2 wages, taxed at the employee share of Social Security and Medicare — not the self-employment tax a 1099 worker actually owes.
• Pre-tax benefits other than the 401(k) field — health insurance premiums, an HSA or FSA, commuter benefits. The only amount taken out before tax is the percentage you enter for a 401(k).
• Local taxes — the Connecticut withholding documents we read describe state withholding only, and we found no Connecticut city or county income tax on wages in them. That is not proof that none exists. This calculator adds no local line for Connecticut. The only local income tax lines on this site are on the Indiana and Maryland calculators.
• Overtime premiums. An hourly rate is multiplied by the hours you enter; it does not add a time-and-a-half rate for hours worked past 40 in a week.
• Wage garnishments or court-ordered deductions — child support, a wage levy. Your result assumes none exist.
• The Additional Medicare Tax, at the single-filer threshold. The 0.9% surtax above $200,000 is applied at that one figure for every filing status, the way an employer actually withholds it — not the higher threshold a married couple filing jointly may end up owing at tax return time.
• Married filing separately, or a qualifying surviving spouse. The calculator only offers single, married filing jointly, and head of household.

None of these are in the estimate. Some of them change what you owe or get back when you file, and a calculator cannot ask for everything they depend on. See why your pay stub will differ for the details.

Key facts that affect your take-home pay in Connecticut

A single filer’s $15,000 exemption applies in full up to $30,000 of pay

Withholding code F takes a $15,000 personal exemption off pay up to $30,000. Pay of $17,000 leaves $2,000 of taxable pay, and Connecticut withholds $10.00 a year; at $30,000, it withholds $361.25.

The exemption fades by $1,000 for every $1,000 of pay

Above $30,000 of pay the single exemption falls by $1,000 for each $1,000 of pay and is gone above $44,000. For code C the full $24,000 runs to $48,000 and the exemption is gone above $71,000; for code B the full $19,000 runs to $38,000 and it is gone above $56,000. A pay raise in that range is taxed more heavily than the rate table alone suggests.

The personal tax credit takes up to 75% off the tax

Table E gives a decimal that the formula subtracts from one before multiplying. For a single filer it is 0.75 up to $18,800 of pay, falls in steps, stays at 0.10 between $33,300 and $60,000, and reaches zero above $64,500. At $45,000 the credit is 10% and Connecticut withholds $1,597.50.

One dollar of pay can move withholding by $28.53

The last 1% of credit ends at $64,500. A single filer paid $64,500 has $2,819.03 withheld and one paid $64,501 has $2,847.56 withheld. The jump is real. It is in the Department’s tables, it is not an error in this calculator, and it does not carry over to your tax return.

A 2% phase-out add-back starts at $56,500

Table C, the Department’s “2% tax rate phase-out add-back,” takes back the benefit of the 2% step as pay rises. For a single filer it adds $25 back for every $5,000 of pay above $56,500, up to $250 above $101,500. At $75,000 it is $100.

Tax recapture adds more above $105,000

Table D adds a further amount for higher pay: $25 above $105,000, $250 between $150,000 and $200,000, and more above that. At $250,000 a single filer has $15,400.00 withheld, and at $300,000 it is $19,750.00.

The married code C has its own rates and a wider exemption

A married couple filing jointly with a spouse who is not employed uses code C: a $24,000 exemption, a 2% step up to $20,000 and a 4.5% step to $100,000. On $75,000 Connecticut withholds $2,587.50 from that filer and $3,475.00 from a single one.

Head of household uses code B

Code B has a $19,000 exemption and a 2% step up to $16,000. On $75,000 Connecticut withholds $2,737.00. Federal tax is lower for a head of household ($5,748.00), so take-home pay is $60,403.

If both spouses work, the codes change

When both spouses work and combined income is more than $24,000 and up to $100,500, the CT-W4 has each choose code A (above $100,500 it is code D), and the Department publishes supplemental tables for those couples. This calculator does not model code A or those tables, so choose Single to see one earner’s result.

No CT-W4 means 6.99%

The Circular CT says an employer must withhold at a flat 6.99%, with no exemption, if an employee never gives it a completed CT-W4. On $75,000 that is $5,242.50 a year, $1,767.50 more than this page shows.

CT Paid Leave takes 0.5% of your pay

The CT Paid Leave Authority says employers deduct 0.5% from an employee’s pay, and that employees contribute until they reach the Social Security contribution limit. On $75,000 that is $375.00. The most one employer deducts in 2026 is $922.50, at $184,500 of pay. The Authority says employers should exclude benefits that are excluded from FICA wages, so a 401(k) contribution does not reduce it.

Unemployment insurance is your employer’s cost

Connecticut law (C.G.S. § 31-225) says an employer’s unemployment contributions “shall not be deducted or deductible from wages.” We did not find another state payroll program run through payroll in the documents we read. That is a statement about what we read, not a guarantee that nothing else exists, and your pay stub is the final word.

Your 401(k) lowers your Connecticut taxable wages in this calculator

The Circular CT says that, in general, wages subject to federal withholding are also wages for Connecticut withholding. It does not name 401(k) plans; because a traditional deferral is not subject to federal income tax withholding, this calculator starts from pay after a traditional 401(k) contribution, as it does for every state on this site. On $75,000 with 6% going in, Connecticut income tax withholding falls by $272.50 a year. Enter 0 if your contribution is a Roth.

The Department says the 2026 rules are unchanged from 2025

The Department’s rules page says that the 2026 withholding calculation rules and 2026 withholding tables are unchanged from 2025. We will update this page when the Department publishes new rules.

Social Security stops, Medicare does not

Social Security is withheld at 6.2% until your wages reach $184,500 in 2026, then stops for the rest of the year. Medicare has no ceiling at all: 1.45% on every dollar, plus an extra 0.9% on wages above $200,000. On $250,000, Social Security and Medicare take $15,514.00 in total.

Common mistakes

Picking the wrong withholding code

Code F is for a single filer. If you are married and both spouses work, you each pick A (combined income above $24,000 and up to $100,500) or D (above $100,500), not C. Code C assumes a spouse who is not employed, and Form CT-W4 warns that couples where both spouses work can end up with too much or too little tax withheld, so follow the form.

Applying one rate to everything

Taxing all $75,000 at 6.99% would give $5,242.50, which is $1,767.50 more than the formula gives. The top rate starts at $500,000 of taxable pay for a single filer.

Forgetting the add-backs

Running $75,000 through the rate table alone gives $3,375.00. The $100 add-back is part of the Department’s result, which is $3,475.00.

Expecting the paycheck to rise smoothly with pay

It does not. The exemption fades, the credit falls in steps and the add-backs rise in steps, so a small raise can cost more than the top rate suggests. At $64,500 the step is $28.53.

Leaving out Paid Leave

A take-home figure that ignores the 0.5% Paid Leave contribution is too high by $375.00 on $75,000.

Expecting the calculator to match the pay stub to the dollar

It will not, and no calculator can. Health insurance premiums and other pre-tax benefit deductions come out before tax and are not modeled here, and the code and extra withholding you chose on your CT-W4 may differ from the one we assume. Read why your pay stub will differ for the rest.

Example calculation

Amounts are shown to the cent, so adding the rounded lines can differ from the total by a cent.

A single filer earning $75,000 in Connecticut in 2026, withholding code F and no retirement contribution, under the Department’s formula:

• Federal taxable income: $75,000 − federal standard deduction of $16,100 = $58,900
• Federal income tax: $7,670.00
• Social Security: $75,000 × 6.2% = $4,650.00
• Medicare: $75,000 × 1.45% = $1,087.50
• Connecticut personal exemption at this pay: $0; taxable pay $75,000
• Initial tax: $2,000 + $25,000 × 5.5% = $3,375.00
• Phase-out add-back (Table C): $100.00; recapture (Table D): $0.00
• Personal tax credit (Table E): 0%, so withholding = $3,375.00 + $100.00 = $3,475.00 a year, $289.58 on a monthly paycheck
• CT Paid Leave: $75,000 × 0.5% = $375.00
• Total withheld: $17,257.50
• Take-home pay: $57,742.50 a year, or $4,811.88 a month
• Effective tax rate: 23.0%

Frequently asked questions

Compare with other states

The same $75,000 salary, single filer, 2026 rates. Connecticut borders three states: New York, Massachusetts and Rhode Island. We have a calculator for Massachusetts and Rhode Island, and New York is not published on this site yet. Each row leaves out that state’s own local taxes.

The table rounds take-home pay to the dollar; the differences in this paragraph use the exact amounts. Compared with a Connecticut worker on the same salary, a Massachusetts worker keeps $75.00 more and a Rhode Island worker keeps $250.00 more. A worker who lives in one of those states and commutes into Connecticut, or the reverse, is a different case that this calculator does not model: it assumes a Connecticut resident working in Connecticut.

Sources

Every figure on this page is read from an official document and dated, not taken from another calculator — the federal ones from the IRS and the Social Security Administration, the Connecticut ones from the state’s own documents below. Each one carries the date we last checked that it still answers. If one of our numbers disagrees with one of theirs, they are right and we have a defect to fix — tell us.

The documents these figures are read from

• Connecticut Department of Revenue Services — Withholding Calculation Rules, TPG-211 (Rev. 12/25; effective January 1, 2026) — the sixteen steps of the withholding formula (annualize the pay, subtract the personal exemption for the withholding code, apply the initial tax rates of 2% to 6.99%, add the 2% phase-out add-back and the tax recapture, multiply by one minus the personal tax credit decimal), the tables behind them, and the statement that the 2026 rules and tables are unchanged from 2025.
• Connecticut Department of Revenue Services — Form CT-W4, Employee’s Withholding Certificate (Rev. 12/25; effective January 1, 2026) — the withholding codes: F for a single filer earning more than $15,000, B for head of household, C for married filing jointly with a spouse who is not employed, A for a married couple who both work.
• Connecticut Department of Revenue Services — Connecticut Employer’s Tax Guide, Circular CT, IP 2026(1) — the rule that wages subject to federal withholding are wages for Connecticut withholding, the 6.99% rate for an employee who gives no CT-W4, and the treatment of bonuses paid with regular wages.
• CT Paid Leave Authority — Contributions — the 0.5% employee contribution for 2026, deducted by the employer, up to the Social Security contribution limit.
• CT Paid Leave Authority — Remit Contributions — the rule that the 0.5% rate applies to total wages up to the Social Security contribution and benefit base, and that benefits excluded from FICA wages are excluded.
• Connecticut General Assembly — Chapter 567, Unemployment Compensation, Sec. 31-225 — the rule that an employer’s unemployment contributions “shall not be deducted or deductible from wages”.
• IRS — 2026 inflation adjustments (Rev. Proc. 2025-32) — the federal brackets and the $16,100 standard deduction.
• IRS — Topic no. 751, Social Security and Medicare withholding rates — the 6.2% and 1.45% rates and the 0.9% Additional Medicare Tax.
• SSA — Contribution and benefit base — the $184,500 Social Security wage base.

The agencies that set them

These are the offices that set the figures. We link them so you can start from the source yourself, but an agency’s own summary page is not always current, and we do not claim that these pages carry the 2026 number — several of them do not. Where a rate was read somewhere else, in a statute, a withholding guide or an estimated-tax form, the exact document and the date we read it are on our methodology page.

• Connecticut Department of Revenue Services — Withholding forms, with the 2026 Withholding Tables and the supplemental table for married couples.

All links checked October 20, 2026.

Related reading

• Paycheck calculators by state — the full index, including which states have no income tax at all.
• Massachusetts paycheck calculator — the neighbor to the north.
• Rhode Island paycheck calculator — the neighbor to the east.
• $75,000 take-home pay in every state we publish — where Connecticut ranks on one salary.
• Methodology — the exact formula, every 2026 figure with its official source, and what these calculators deliberately do not model.
• Why your pay stub will differ — pre-tax deductions, credits and W-4 settings, and how much difference is normal.