Paycheck Calculators by State
Two people earning $75,000 can take home hundreds of dollars a month apart, and the state income tax rate only explains part of it. Three other things move the number: mandatory payroll deductions for paid leave and disability, city or county income tax, and a handful of rules that apply nowhere else. This page sorts the states by which of those actually apply to you, so you can go straight to the right calculator.
Quick Answer
Your net pay depends on four separate things, not one. State income tax ranges from nothing to over 13%. Seven states also deduct paid-leave, disability or unemployment premiums straight from wages. Seven have city or county income tax on top. And a few states have rules that exist nowhere else. Washington shows why the distinction matters: no income tax at all, yet about $1,040.37 a year withheld on a $75,000 salary.
Compare Take-Home Pay by State →
Put the same salary through two or three places at once. It is the only tool here that adds city and county income tax and the payroll levies together, which is what separates Columbus from Ohio and Philadelphia from Pennsylvania. If your question is "which of these is better for me", this answers it in one screen; a single-state calculator cannot.
Nine states with no income tax
In these states your paycheck normally shows federal income tax, Social Security and Medicare, and nothing else. That is the single biggest difference between states, and for most people it is worth more than any difference in bracket structure elsewhere.
The exception worth knowing
No income tax does not mean no state deductions. Washington charges no income tax and still withholds about 1.387% of gross wages — $1,040.37 a year on $75,000, roughly $40 from every biweekly paycheck — for Paid Family & Medical Leave and the WA Cares Fund. A Washington worker takes home less than a Texas worker on the same salary, which no list of income tax rates will ever tell you. See the Washington calculator →
Seven states that deduct payroll premiums
These deductions are not income tax and they do not behave like it. Each one funds a specific programme — paid family and medical leave, statutory disability, employee unemployment, or long-term care — and each has its own rate, its own wage ceiling, and sometimes its own exemption. They are withheld from the first dollar, so they hit lower salaries proportionally hardest. Every figure below is the employee share on $75,000.
California
$975.00/yr 1.3% of gross- CA SDI 1.3% of all wages, with no cap 1.3% of all wages, with no cap since 2024. $975.00
Colorado
$330.00/yr 0.44% of gross- CO FAMLI 0.44% of wages up to $184,500 Half of the 0.88% premium. Employers with nine or fewer staff owe no employer share, but the worker still pays 0.44%. Some employers pay their employees’ half of the premium. $330.00
Massachusetts
$345.00/yr 0.46% of gross- MA PFML — family leave 0.18% of wages up to $184,500 Employers with an approved private plan do not withhold this. $135.00
- MA PFML — medical leave 0.28% of wages up to $184,500 Capped at the Social Security taxable maximum. The structure changes on 1 January 2027. Employers with an approved private plan do not withhold this. $210.00
New Jersey
$505.40/yr 0.674% of gross- NJ UI 0.3825% of wages up to $44,800 $171.36
- NJ WF/SWF 0.0425% of wages up to $44,800 $19.04
- NJ DI 0.19% of wages up to $171,100 $142.50
- NJ FLI 0.23% of wages up to $171,100 $172.50
New York
$355.20/yr 0.474% of gross- NY PFL 0.432% of wages up to $95,349 0.432% of gross wages, capped at $411.91 for the year. Some employers pay the Paid Family Leave premium themselves. $324.00
- NY disability 0.5% of wages up to $6,240 0.5% of wages, capped at 60 cents a week, so $31.20 for the year. Employers may pay the disability premium themselves; the law allows a contribution but does not require one. $31.20
Pennsylvania
$52.50/yr 0.07% of gross- PA unemployment (UC) 0.07% of all wages, with no cap 0.07% of gross wages. The $10,000 wage base applies to the employer’s contribution, not this one. $52.50
Washington
$1,040.37/yr 1.387% of gross- WA Paid Family & Medical Leave 0.8072% of wages up to $184,500 Employees pay up to 71.43% of the 1.13% premium, on wages up to $184,500. Some employers pay their employees’ share of this premium. $605.37
- WA Cares Fund 0.58% of all wages, with no cap 0.58% of all wages, with no cap. Entirely employee-paid. Workers with an approved exemption do not pay this. $435.00
Several of these can legitimately be missing from your stub, for different reasons. In New York both premiums are the employer's choice. In Massachusetts an approved private plan replaces the state one. In Washington the paid-leave premium can be employer-paid, while WA Cares is dropped only by an individual exemption. Each calculator lets you switch off the ones that do not apply to you, so start from your own pay stub rather than from the default.
Seven states where your city or county taxes you too
A local income tax can easily be worth more than the state one, and it turns on your address rather than your salary. Some follow where you live, some where you work, and some charge you either way at different rates — so a state-level figure can be badly wrong for the person reading it. Philadelphia's wage tax alone costs a $75,000 earner about $2,801 a year, more than the entire state income tax bill in several other states.
Indiana
County levelAll 92 counties charge one, roughly 0.5% to 3%, set by the county you lived in on 1 January.
Maryland
County levelEvery county charges one, from 2.25% to 3.30%, and it follows where you live rather than where you work.
Michigan
City level24 cities charge one. Detroit residents pay 2.4%; people who commute in pay half that.
Missouri
City levelKansas City and St. Louis each charge a 1% earnings tax, on residents and on commuters alike.
New York
City levelNew York City runs its own four-bracket schedule on top of the state, and Yonkers adds a surcharge.
Ohio
City levelMost cities and villages charge a municipal income tax, commonly 1.8% to 2.5%.
Pennsylvania
City or municipality levelMunicipalities charge an earned income tax. Most are near 1%; Philadelphia residents pay 3.735%.
If you live in one jurisdiction and work in another, the comparison tool is the reliable way to see it: it is the only calculator here that runs both places against the same salary.
Rules that apply nowhere else
Six genuine exceptions, each one capable of changing a number on a real pay stub. Everything here is drawn from the state's own published rules, not from generalisations about high-tax and low-tax states.
- Washington
No income tax is not no withholding
Washington charges no income tax and still takes about 1.387% of gross wages for paid leave and long-term care. On $75,000 that is $1,040.37 a year — real money that a "no income tax" summary hides completely.
- New York
Both deductions are the employer's choice
Paid Family Leave says an employer may pay the premium on the employee's behalf, and the Disability Benefits Law allows but does not require an employee contribution. So two people on identical New York salaries can have different deductions, legally, and neither stub is wrong.
- New Jersey
Two wage bases, and the worker's is the higher one
Unemployment and workforce contributions stop at $44,800 of wages. Disability and family leave keep going to $171,100 — a worker's disability base is higher than the employer's. Deductions therefore fall twice during the year rather than once.
- Pennsylvania
The state tax starts at the first dollar
Pennsylvania gives no standard deduction and no personal exemption, so 3.07% applies to the whole wage. A 0.07% employee unemployment contribution runs alongside it with no wage ceiling, and a city earned income tax can sit on top.
- Maryland
The county tax follows your address
Maryland's county tax is mandatory and set by where you live, not where you work. Moving across a county line changes your net pay without changing your job. Maryland also begins paid-leave deductions around January 2027, which is a change to plan for rather than one to enter today.
- Colorado
A small employer does not mean a smaller deduction
Employers with nine or fewer staff owe no employer share of the FAMLI premium, but the employee still pays their 0.44% half. Working for a small business changes the employer's bill, not yours.
Every state, grouped by how it taxes you
The same 50 states, sorted by the structure of their income tax rather than by name, with a marker where a payroll levy or a local income tax also applies. States without a dedicated page link to the main calculator with your state already selected.
No state income tax (9)
Federal tax, Social Security and Medicare only — unless the state charges a payroll levy, which Washington does.
| State | State tax (2026) | Also applies | Calculator |
|---|---|---|---|
| Alaska | No income tax | — | Calculate |
| Florida | No income tax | — | Dedicated page |
| Nevada | No income tax | — | Calculate |
| New Hampshire | No income tax | — | Calculate |
| South Dakota | No income tax | — | Calculate |
| Tennessee | No income tax | — | Dedicated page |
| Texas | No income tax | — | Dedicated page |
| Washington | No income tax | Payroll levy | Dedicated page |
| Wyoming | No income tax | — | Calculate |
One flat rate (16)
The same percentage at every income. Easy to check by hand, and easy to be certain about.
| State | State tax (2026) | Also applies | Calculator |
|---|---|---|---|
| Arizona | 2.5% flat | — | Dedicated page |
| Colorado | 4.4% flat | Payroll levy | Dedicated page |
| Georgia | 4.99% flat | — | Dedicated page |
| Idaho | 5.3% flat | — | Calculate |
| Illinois | 4.95% flat | — | Dedicated page |
| Indiana | 2.95% flat | Local tax | Dedicated page |
| Iowa | 3.8% flat | — | Calculate |
| Kentucky | 3.5% flat | — | Calculate |
| Louisiana | 3% flat | — | Calculate |
| Massachusetts | 5% flat | Payroll levy | Dedicated page |
| Michigan | 4.25% flat | Local tax | Dedicated page |
| Mississippi | 4% flat | — | Calculate |
| North Carolina | 3.99% flat | — | Dedicated page |
| Ohio | 2.75% flat | Local tax | Dedicated page |
| Pennsylvania | 3.07% flat | Payroll levyLocal tax | Dedicated page |
| Utah | 4.5% flat | — | Calculate |
Graduated, calculated from the full published schedule (5)
These run bracket by bracket from the state's own figures, so the number is as close as an estimate gets.
| State | State tax (2026) | Also applies | Calculator |
|---|---|---|---|
| California | 1% to 12.3% | Payroll levy | Dedicated page |
| Maryland | 2% to 6.5% | Local tax | Dedicated page |
| New Jersey | 1.4% to 10.75% | Payroll levy | Dedicated page |
| New York | 3.9% to 10.9% | Payroll levyLocal tax | Dedicated page |
| Virginia | 2% to 5.75% | — | Dedicated page |
Graduated, using a stand-in rate (20)
A single mid-income rate stands in for the brackets. Treat these as a guide, and check the range shown.
| State | State tax (2026) | Also applies | Calculator |
|---|---|---|---|
| Alabama | ≈5% | — | Calculate |
| Arkansas | ≈3.9% | — | Calculate |
| Connecticut | ≈5% | — | Calculate |
| Delaware | ≈5% | — | Calculate |
| Hawaii | ≈6.5% | — | Calculate |
| Kansas | ≈5.58% | — | Calculate |
| Maine | ≈6.3% | — | Calculate |
| Minnesota | ≈6.1% | — | Calculate |
| Missouri | ≈4.7% | Local tax | Dedicated page |
| Montana | ≈5.3% | — | Calculate |
| Nebraska | ≈4.55% | — | Calculate |
| New Mexico | ≈4.2% | — | Calculate |
| North Dakota | ≈1.7% | — | Calculate |
| Oklahoma | ≈4.5% | — | Calculate |
| Oregon | ≈8% | — | Calculate |
| Rhode Island | ≈3.75% | — | Calculate |
| South Carolina | ≈5.3% | — | Calculate |
| Vermont | ≈4.6% | — | Calculate |
| West Virginia | ≈4.5% | — | Calculate |
| Wisconsin | ≈4.4% | — | Calculate |
Method and sources
- Tax year
- State income tax figures are for 2026; local rates are 2026. Federal withholding uses IRS Publication 15-T (2026), Worksheet 1A, the percentage method for automated payroll systems.
- Payroll levies
- Every rate, cap and exemption was read from the state agency's own page or official memo, with the date recorded — never from a search summary or another calculator. Every state carrying a page here has been checked for an employee-paid levy, including the ones that turned out to have none, and that record is kept alongside the calculator's source so a rate cannot change without the check being redone.
- What "graduated, stand-in rate" means
- Where a state is marked as using a stand-in rate, one mid-income percentage replaces its brackets. Those results approximate; the states marked as calculated from the full schedule run bracket by bracket and are exact to the published tables.
- What this is not
- An estimate of withholding, not tax advice and not a filing. Your actual deductions depend on your W-4, your benefits, and your employer's payroll setup.
Last reviewed September 2026.
Frequently Asked Questions
No, and this is the most common mistake on this topic. Washington charges no income tax and still deducts about 1.387% of gross wages for Paid Family & Medical Leave and the WA Cares Fund — roughly $1,040.37 a year on a $75,000 salary. Alaska charges an employee unemployment contribution. A state with no income tax can still reduce your net pay, so compare take-home rather than tax rates.
For 2026: California, Colorado, Massachusetts, New Jersey, New York, Pennsylvania, Washington. The deductions cover different programmes — paid family and medical leave, statutory disability, employee unemployment, and long-term care in Washington — and each has its own rate, wage cap and exemptions. The calculators here show them as separate lines rather than folding them into one "state tax" figure.
Often more than the state rate does. Indiana, Maryland, Michigan, Missouri, New York, Ohio, Pennsylvania all have local income taxes, and they can follow where you live, where you work, or both. Philadelphia's city wage tax alone costs a $75,000 earner about $2,801 a year — more than the entire state income tax of several other states.
Use the side-by-side comparison tool rather than two separate calculators. It puts the same salary through both places at once and includes city and county tax, which is what separates Columbus from Ohio and Philadelphia from Pennsylvania. Comparing headline tax rates instead will give you the wrong answer wherever payroll levies or local taxes are involved.
California, Hawaii, New Jersey, New York and Oregon are generally among the states with the highest top marginal rates, several above 9% for top earners. Those top rates only bite at high incomes, though, so for a typical salary a state's deductions and local taxes usually matter more than its headline maximum.
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