Take-Home Pay by State Calculator

Compare take-home pay across all 51 jurisdictions in one place, then open your own state for local tax and the full picture.

Your paycheck

State income tax varies more than any other line on a pay stub. Nine states withhold none at all, and the rest run from a flat rate of around 3% to over 10% at the top. Some also take a little for disability or paid family leave.
A few cities and counties charge an income tax on top of the state's, from about half a percent to nearly 4%. If yours is not in the list, either it does not charge one or this calculator does not cover it yet, and any note under the results will say so.

Your pay

Withholding is worked out per paycheck, so this changes the result rather than just relabeling it.
The amount on your pay stub before tax and deductions, for one pay period. $130,000 a year

Your W-4

This selects which withholding schedule your employer uses. Married filing separately uses the same schedule as single.
Checking this box switches your employer to a schedule built for two similar incomes, so more is withheld from each paycheck.
The Step 2 box is checked on my W-4
Step 3 asks for a dollar amount, not a count of children. It is typically $2,200 per qualifying child under 17 and $500 per other dependent for 2026.

Deductions from each paycheck

Traditional retirement contributions come out before income tax but Social Security and Medicare are still charged on them.
Premiums paid through a Section 125 plan come out before income tax and before Social Security and Medicare.
Health savings account contributions made through payroll. A few states, California among them, still tax them.
Other income and adjustments
Income you want extra tax withheld for. It is added to your annualized wages before the schedule is applied.
The amount by which your expected deductions exceed the standard deduction. Leave at zero if you take the standard deduction.
A flat dollar amount taken out on top of the calculated withholding.
Wages earned by the rest of your household, which some states use to pick which withholding table applies to you.
Estimated take-home pay
$3,648
73%
take-home
Take-home pay $3,648
Federal income tax $767
Social Security $310
Medicare $73
State income tax $202
Local income tax $0
Disability & paid leave $0
Pre-tax deductions $0
Gross pay
$5,000
Paychecks a year
26

Over a full year

Gross pay $130,000
Taxes withheld $35,142
Take-home pay $94,858

Some Alabama cities charge an occupational tax on people who work there, most commonly 1%, including Birmingham. It is not included here, so if yours does, your take-home pay will be lower than shown.

Estimate only, based on the inputs shown. Your actual figures may differ. Not financial, tax, or legal advice.

Generated by Payrollmath

This calculator covers all 51 jurisdictions in one place, so you can compare take-home pay by state without opening a tab for each one. Change the state and everything below it updates: federal tax, Social Security, Medicare and that state’s own withholding.

It is built for the question “where would I be better off”, rather than for the details of any one state. If you already know where you work, the state paycheck calculators will give you a closer answer.

What take-home pay by state actually looks like

The same $75,000 salary, single filer, one allowance. Only the address changes.

  • Texas or Florida, you keep $61,593. No state income tax at all.
  • Ohio, $59,732. The lowest state tax of any state that has one.
  • Pennsylvania, $59,238. A flat 3.07% plus a small unemployment deduction.
  • Georgia, $58,848. Michigan, $58,656.
  • California, $57,565, once its 1.3% disability contribution is counted.
  • New York City, $55,187, once city tax is counted.

That is a spread of $6,405 a year on identical pay, and roughly $534 a month. No choice you make on your W-4 will move your take-home pay nearly that far.

Comparing two job offers in different states

This is the job this calculator is actually for, and there is a right order to do it in.

  • Run both salaries through, with the right state on each. Compare take-home pay rather than the headline offer.
  • Subtract housing. This is usually larger than the tax difference and often points the other way, since the states with no income tax tend to charge more in property tax.
  • Check for a local income tax at both ends. A New York City or Detroit address can cost more than the state difference you just measured.

Worth knowing: a state with no income tax is not automatically cheaper. Texas funds itself through property tax instead, and sales tax reaches 8.25%. The money reappears, it just arrives on a different bill.

What a state page tells you that this one cannot

A national tool has to work the same way everywhere, which means it cannot ask the questions only one state asks. That is where the gaps are.

  • City and county income tax. Twenty-four Michigan cities charge one, as do New York City, Yonkers and around 675 Ohio municipalities.
  • Disability and paid family leave. California, New York, New Jersey and a handful of others deduct these. Most states do not.
  • Your state’s own withholding form. California uses DE 4, New York uses IT-2104, Georgia uses G-4, and the number on each is often not the number on your federal W-4.

Once you know which state you are in, the state paycheck calculators cover all of that.

Take-home pay by state FAQ

Which state has the highest take-home pay?

Any of the nine with no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. On $75,000 a single filer keeps about $61,593 in those states. Washington is the exception to watch, since it still deducts paid family leave and its long-term care fund.

How much difference does the state really make?

On a $75,000 salary the gap between the best and worst outcome is about $6,405 a year, or $534 a month. That is far more than any W-4 adjustment will change, which is why it is worth checking before accepting an offer in a new state.

Does no state income tax mean I take home more overall?

Not necessarily. States without an income tax raise the money elsewhere, usually through property and sales tax. Texas property tax is among the highest in the country. Compare take-home pay first, then housing costs, before deciding either way.

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