USA Take-Home Pay Calculator Tax year 2026

Paycheck calculator by state

State income tax is the single biggest variable in American take-home pay. Nine states take nothing from wages at all.

How the states compare

Nine states take nothing from wages. Of the 42 jurisdictions that do, 17 apply a single flat rate and 25 use graduated brackets. Top rates run from 2.5% in Arizona and North Dakota to 13.3% in California.

The rate alone will mislead you in ten states, because counties, cities or school districts levy income taxes of their own on top. Maryland's county tax averages around 2.4% of income, Ohio's municipalities commonly charge 1% to 2.5%, every Indiana county levies one, and New York City adds roughly 3% to 3.9%. Each state's page covers its own local picture.

StateStructureTop rate
Alabama3 brackets5%
ArizonaFlat2.5%
Arkansas2 brackets3.9%
California10 brackets13.3%
ColoradoFlat4.4%
Connecticut7 brackets6.99%
Delaware7 brackets6.6%
District of Columbia7 brackets10.75%
GeorgiaFlat5.19%
Hawaii12 brackets11%
IdahoFlat5.3%
IllinoisFlat4.95%
IndianaFlat2.95%
IowaFlat3.8%
Kansas2 brackets5.58%
KentuckyFlat3.5%
LouisianaFlat3%
Maine3 brackets7.15%
Maryland10 brackets6.5%
Massachusetts2 brackets9%
MichiganFlat4.25%
Minnesota4 brackets9.85%
MississippiFlat4%
Missouri8 brackets4.7%
Montana2 brackets5.65%
Nebraska3 brackets4.55%
New Jersey7 brackets10.75%
New Mexico6 brackets5.9%
New York9 brackets10.9%
North CarolinaFlat3.99%
North Dakota3 brackets2.5%
OhioFlat2.75%
Oklahoma4 brackets4.5%
Oregon4 brackets9.9%
PennsylvaniaFlat3.07%
Rhode Island3 brackets5.99%
South Carolina3 brackets6%
UtahFlat4.5%
Vermont4 brackets8.75%
Virginia4 brackets5.75%
West Virginia5 brackets4.82%
Wisconsin4 brackets7.65%