Paycheck After Tax Calculator by State
Calculate your exact take-home pay after federal, state, and local taxes. Get accurate paycheck estimates for any state with our free tax calculator.
Quick Answer
Your paycheck after tax varies significantly by state due to different state tax rates and local taxes. Use our calculator below to determine your exact take-home pay based on your location and filing status.
Calculate Your Exact Take-Home Pay
Get precise paycheck calculations with all federal, state, and local taxes included
Calculate With Full ToolWhat is a Paycheck After Tax Calculator?
A paycheck after tax calculator helps you determine your net income after all mandatory deductions. This includes federal income tax, state income tax (where applicable), Social Security, Medicare, and any local taxes. The result is your actual take-home pay - the money you receive in your bank account.
How It Works
The calculator uses your gross salary, filing status, and state location to calculate federal and state tax withholdings based on current tax brackets. It also accounts for FICA taxes (Social Security 6.2% and Medicare 1.45%) and any applicable local taxes. The result shows your net pay after all deductions.
Why It Matters
Understanding your take-home pay is crucial for budgeting, financial planning, and salary negotiations. Different states have significantly different tax burdens - for example, Texas and Florida have no state income tax, while California and New York have some of the highest rates. This affects your actual purchasing power and standard of living.
Tax Calculation Formula
Net Pay = Gross Salary - Federal Tax - State Tax - FICA Taxes - Local Taxes
Federal Tax: Calculated using progressive tax brackets based on filing status and income
State Tax: Varies by state - some states have flat rates, others use progressive brackets
FICA Taxes: Social Security (6.2% up to $160,200) + Medicare (1.45% of all income)
Local Taxes: City or county taxes where applicable (varies by location)
Step-by-Step Example
Example: $60,000 Salary in California
Step 1: Gross Salary: $60,000
Step 2: Federal Tax: ~$6,600 (11% effective rate)
Step 3: State Tax (CA): ~$2,800 (4.6% effective rate)
Step 4: FICA Taxes: $4,590 (7.65% total)
Step 5: Net Pay: $60,000 - $6,600 - $2,800 - $4,590 = $46,010
This example shows how a $60,000 salary in California results in approximately $46,010 in take-home pay, or about 76.7% of the gross salary after all taxes.
Who Should Use This Calculator?
Job Seekers
Compare take-home pay between job offers in different states
Remote Workers
Understand tax implications of working from different states
Budget Planners
Create accurate budgets based on actual take-home income
Relocating Professionals
Compare net income when moving to a new state
Frequently Asked Questions
Which states have no income tax?
Nine states have no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. However, some may tax investment income or have other taxes.
How often should I update my tax calculations?
Update annually or when your income changes significantly. Tax brackets and standard deductions typically change each year for inflation adjustments.
What's the difference between gross and net pay?
Gross pay is your total salary before any deductions. Net pay (take-home pay) is what remains after all taxes, insurance premiums, and other mandatory deductions are subtracted.
Do I need to include local taxes?
Only if you live in a city or county with local income taxes. Major cities with local taxes include New York City, Philadelphia, and some areas in Ohio and Kentucky.
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