How much of a paycheck do you keep?
A single filer earning $75.000 keeps between $56.006 (in Oregon) and $61.593 (in states without an income tax) a year in 2026. Federal income tax and FICA take the same amount everywhere; the state is what changes.
What comes out of a paycheck
- Federal income tax: 10% to 37% on wages after pre-tax deductions and the $16.100 standard deduction (single, 2026).
- Social Security: 6.2% of wages up to $184.500. Medicare: 1.45% of all wages, plus 0.9% above $200,000 ($250,000 joint).
- State income tax: none in nine states, a flat rate in fifteen, graduated brackets in the rest and DC. Some states also deduct disability, paid-leave or unemployment contributions.
- Local income tax: counties, cities or school districts in Maryland, Pennsylvania, Ohio, Indiana, Kentucky, Michigan, Missouri, New York City and a few others.
- 401(k) and 403(b) deferrals come out before income tax, so each dollar saved lowers your paycheck by less than a dollar.
Take-home pay on $75.000 by state (2026)
Single filer, salary only, no 401(k), standard deduction, average local tax only where the calculator sets a default. Highest take-home first; open a state for its brackets, payroll levies and more salary levels.
| State | State + local income tax | Payroll levies | Take-home a year | Every 2 weeks |
|---|---|---|---|---|
| Florida | $0 | $0 | $61.593 | $2.369 |
| Nevada | $0 | $0 | $61.593 | $2.369 |
| New Hampshire | $0 | $0 | $61.593 | $2.369 |
| South Dakota | $0 | $0 | $61.593 | $2.369 |
| Tennessee | $0 | $0 | $61.593 | $2.369 |
| Texas | $0 | $0 | $61.593 | $2.369 |
| Wyoming | $0 | $0 | $61.593 | $2.369 |
| North Dakota | $203 | $0 | $61.389 | $2.361 |
| Alaska | $0 | $271 | $61.322 | $2.359 |
| Washington | $0 | $1.040 | $60.552 | $2.329 |
| Ohio | $1.287 | $0 | $60.306 | $2.319 |
| Arizona | $1.666 | $0 | $59.926 | $2.305 |
| Louisiana | $1.864 | $0 | $59.729 | $2.297 |
| Indiana | $2.183 | $0 | $59.410 | $2.285 |
| Iowa | $2.198 | $0 | $59.394 | $2.284 |
| Mississippi | $2.268 | $0 | $59.325 | $2.282 |
| Arkansas | $2.287 | $0 | $59.305 | $2.281 |
| New Mexico | $2.359 | $0 | $59.233 | $2.278 |
| North Carolina | $2.484 | $0 | $59.109 | $2.273 |
| Vermont | $2.490 | $0 | $59.103 | $2.273 |
| Kentucky | $2.507 | $0 | $59.085 | $2.273 |
| Nebraska | $2.533 | $0 | $59.060 | $2.272 |
| Missouri | $2.534 | $0 | $59.059 | $2.271 |
| South Carolina | $2.657 | $0 | $58.935 | $2.267 |
| West Virginia | $2.680 | $0 | $58.912 | $2.266 |
| Oklahoma | $2.830 | $0 | $58.763 | $2.260 |
| Idaho | $2.867 | $0 | $58.726 | $2.259 |
| Montana | $2.877 | $0 | $58.716 | $2.258 |
| Colorado | $2.592 | $330 | $58.671 | $2.257 |
| Michigan | $2.937 | $0 | $58.656 | $2.256 |
| Wisconsin | $2.944 | $0 | $58.649 | $2.256 |
| Rhode Island | $2.196 | $825 | $58.572 | $2.253 |
| New Jersey | $2.598 | $505 | $58.489 | $2.250 |
| Pennsylvania | $3.053 | $53 | $58.488 | $2.250 |
| Utah | $3.110 | $0 | $58.482 | $2.249 |
| Alabama | $3.127 | $0 | $58.466 | $2.249 |
| Georgia | $3.144 | $0 | $58.449 | $2.248 |
| Kansas | $3.385 | $0 | $58.207 | $2.239 |
| District of Columbia | $3.429 | $0 | $58.164 | $2.237 |
| Virginia | $3.498 | $0 | $58.094 | $2.234 |
| Illinois | $3.568 | $0 | $58.025 | $2.232 |
| California | $2.788 | $975 | $57.830 | $2.224 |
| Massachusetts | $3.430 | $345 | $57.818 | $2.224 |
| New York | $3.453 | $355 | $57.784 | $2.222 |
| Connecticut | $3.475 | $375 | $57.743 | $2.221 |
| Minnesota | $3.577 | $330 | $57.686 | $2.219 |
| Delaware | $3.609 | $300 | $57.684 | $2.219 |
| Maine | $3.881 | $375 | $57.337 | $2.205 |
| Hawaii | $3.896 | $375 | $57.321 | $2.205 |
| Maryland | $5.389 | $0 | $56.203 | $2.162 |
| Oregon | $5.062 | $525 | $56.006 | $2.154 |
State income tax: Tax Foundation, 2026 State Income Tax Rates and Brackets, updated for laws enacted in 2026 that apply from January 1, 2026 (Arkansas, Georgia, South Carolina, Utah, Maine; Hawaii's 2026 standard deduction). Federal: IRS Rev. Proc. 2025-32 and the 2026 Social Security wage base of $184,500. State payroll levies: 2026 rates and wage bases published by the state programs. State tax source · Payroll levy source
States with no income tax on wages
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wages. Washington still deducts 0.58% for WA Cares and its paid-leave premium, and Alaska takes 0.5% for unemployment insurance.
How the calculator works
It computes the 2026 annual tax on your wages, using the standard deduction and no credits other than the personal credits built into state tax, and spreads it evenly over your paychecks. Employers withhold with the IRS Publication 15-T tables and your W-4, so a single paycheck can differ by a few dollars; bonuses, overtime, itemized deductions, the child tax credit and the new federal deductions for tips and overtime are not included.
Perguntas frequentes
How do I calculate my take-home pay?
Subtract pre-tax deductions such as 401(k) contributions from gross pay, then subtract federal income tax, Social Security (6.2%), Medicare (1.45%), state and local income tax and any state payroll levies. Divide the annual result by your number of paychecks: 26 if you are paid every two weeks, 24 if twice a month.
Which states have no state income tax?
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wages. New Hampshire repealed its tax on interest and dividends from 2025, and Washington taxes only large capital gains.
Which state takes the most out of a paycheck?
On a $75.000 salary for a single filer, the largest state and local bills are in Oregon ($5.587), Maryland ($5.389) e Hawaii ($4.271). At high incomes California is highest, with a 13.3% top rate plus 1.3% for disability insurance on all wages.
What is FICA on my paycheck?
FICA is Social Security (6.2% of wages up to $184.500 in 2026) plus Medicare (1.45% of all wages, and 0.9% more above $200,000). Your employer pays the same amounts again. 401(k) contributions do not reduce FICA.
How much does a 401(k) contribution lower my paycheck?
Less than the contribution, because it is taken before income tax. Saving 5% of $75.000 ($3.750 a year) in California lowers take-home pay by about $2.625: the rest is income tax you no longer pay.