Paycheck Calculators by State: All 50 States and DC

By the USPaycheckGuide Editorial Team · Reviewed by Shaharyar Abid · Last updated September 26, 2026

Take-home pay depends heavily on where you live, and the only way to compare is to run the same salary through every state's rules. This hub lists a dedicated paycheck calculator for every state and the District of Columbia, each using the 2026 federal brackets, FICA and that state's own income tax, local taxes and payroll programs. It also ranks all 51 jurisdictions by estimated take-home pay on a $65,000 salary, so you can see at a glance how much state and local taxes change what you keep. Pick your state below, or start with the national paycheck calculator if you want to enter your own state tax rate.

1. Take-home pay on $65,000 in every state, ranked

The ranking below assumes a single filer with no pre-tax deductions, the 2026 federal standard deduction, and each calculator's default local and payroll deduction settings. It compares Tennessee, where the estimated take-home pay is about $54,408 a year, with Oregon, where it is about $49,095, a gap of roughly $5,313 a year, or $204.34 per biweekly paycheck. Taxes are only one factor in that gap, so read the notes after the list before deciding where to live or work.

1. Tennessee: no tax on wages; estimated state, local and payroll deductions $0; take-home about $54,408 a year ($2,092.60 biweekly).
2. Nevada: no tax on wages; estimated state, local and payroll deductions $0; take-home about $54,408 a year ($2,092.60 biweekly).
3. New Hampshire: no tax on wages; estimated state, local and payroll deductions $0; take-home about $54,408 a year ($2,092.60 biweekly).
4. South Dakota: no tax on wages; estimated state, local and payroll deductions $0; take-home about $54,408 a year ($2,092.60 biweekly).
5. Wyoming: no tax on wages; estimated state, local and payroll deductions $0; take-home about $54,408 a year ($2,092.60 biweekly).
6. Texas: no tax on wages; estimated state, local and payroll deductions $0; take-home about $54,408 a year ($2,092.60 biweekly).
7. Florida: no tax on wages; estimated state, local and payroll deductions $0; take-home about $54,408 a year ($2,092.60 biweekly).
8. North Dakota: graduated 0% to 2.5%; estimated state, local and payroll deductions $8; take-home about $54,399 a year ($2,092.28 biweekly).
9. Alaska: no tax on wages; estimated state, local and payroll deductions $260; take-home about $54,148 a year ($2,082.60 biweekly).
10. Washington: no tax on wages; estimated state, local and payroll deductions $845; take-home about $53,563 a year ($2,060.10 biweekly).
11. Arizona: flat 2.5%; estimated state, local and payroll deductions $1,416; take-home about $52,991 a year ($2,038.13 biweekly).
12. Louisiana: flat 3%; estimated state, local and payroll deductions $1,564; take-home about $52,844 a year ($2,032.45 biweekly).
13. Iowa: flat 3.8%; estimated state, local and payroll deductions $1,818; take-home about $52,589 a year ($2,022.67 biweekly).
14. Vermont: graduated 3.35% to 8.75%; estimated state, local and payroll deductions $1,830; take-home about $52,578 a year ($2,022.22 biweekly).
15. Mississippi: flat 4%; estimated state, local and payroll deductions $1,868; take-home about $52,540 a year ($2,020.75 biweekly).
16. New Mexico: graduated 1.5% to 5.9%; estimated state, local and payroll deductions $1,889; take-home about $52,518 a year ($2,019.93 biweekly).
17. Utah: flat 4.5%; estimated state, local and payroll deductions $1,959; take-home about $52,449 a year ($2,017.25 biweekly).
18. Nebraska: graduated 2.46% to 4.55%; estimated state, local and payroll deductions $2,078; take-home about $52,330 a year ($2,012.67 biweekly).
19. Wisconsin: graduated 3.5% to 7.65%; estimated state, local and payroll deductions $2,079; take-home about $52,329 a year ($2,012.64 biweekly).
20. North Carolina: flat 3.99%; estimated state, local and payroll deductions $2,085; take-home about $52,323 a year ($2,012.41 biweekly).
21. Missouri: graduated 0% to 4.7%; estimated state, local and payroll deductions $2,118; take-home about $52,290 a year ($2,011.15 biweekly).
22. West Virginia: graduated 2.22% to 4.82%; estimated state, local and payroll deductions $2,198; take-home about $52,209 a year ($2,008.05 biweekly).
23. Montana: graduated 4.7% to 5.65%; estimated state, local and payroll deductions $2,312; take-home about $52,096 a year ($2,003.69 biweekly).
24. Arkansas: graduated 2% to 3.9%; estimated state, local and payroll deductions $2,322; take-home about $52,085 a year ($2,003.28 biweekly).
25. Connecticut: graduated 2% to 6.99%; estimated state, local and payroll deductions $2,325; take-home about $52,083 a year ($2,003.17 biweekly).
26. Idaho: flat 5.3%; estimated state, local and payroll deductions $2,337; take-home about $52,071 a year ($2,002.72 biweekly).
27. Ohio: flat 2.75%; estimated state, local and payroll deductions $2,371; take-home about $52,036 a year ($2,001.40 biweekly).
28. Oklahoma: graduated 0% to 4.5%; estimated state, local and payroll deductions $2,380; take-home about $52,028 a year ($2,001.08 biweekly).
29. New Jersey: graduated 1.4% to 10.75%; estimated state, local and payroll deductions $2,435; take-home about $51,973 a year ($1,998.95 biweekly).
30. Colorado: flat 4.4%; estimated state, local and payroll deductions $2,438; take-home about $51,970 a year ($1,998.84 biweekly).
31. Michigan: flat 4.25%; estimated state, local and payroll deductions $2,525; take-home about $51,883 a year ($1,995.50 biweekly).
32. Pennsylvania: flat 3.07%; estimated state, local and payroll deductions $2,646; take-home about $51,762 a year ($1,990.85 biweekly).
33. Rhode Island: graduated 3.75% to 5.99%; estimated state, local and payroll deductions $2,666; take-home about $51,742 a year ($1,990.07 biweekly).
34. South Carolina: graduated 0% to 6%; estimated state, local and payroll deductions $2,743; take-home about $51,665 a year ($1,987.10 biweekly).
35. Georgia: flat 5.19%; estimated state, local and payroll deductions $2,751; take-home about $51,657 a year ($1,986.80 biweekly).
36. Washington DC: graduated 4% to 10.75%; estimated state, local and payroll deductions $2,779; take-home about $51,629 a year ($1,985.73 biweekly).
37. Kansas: graduated 5.2% to 5.58%; estimated state, local and payroll deductions $2,827; take-home about $51,580 a year ($1,983.85 biweekly).
38. California: graduated 1% to 13.3%; estimated state, local and payroll deductions $2,833; take-home about $51,575 a year ($1,983.64 biweekly).
39. Virginia: graduated 2% to 5.75%; estimated state, local and payroll deductions $2,923; take-home about $51,484 a year ($1,980.16 biweekly).
40. Alabama: graduated 2% to 5%; estimated state, local and payroll deductions $2,985; take-home about $51,423 a year ($1,977.79 biweekly).
41. Indiana: flat 2.95%; estimated state, local and payroll deductions $2,993; take-home about $51,415 a year ($1,977.48 biweekly).
42. Illinois: flat 4.95%; estimated state, local and payroll deductions $3,076; take-home about $51,331 a year ($1,974.27 biweekly).
43. Kentucky: flat 3.5%; estimated state, local and payroll deductions $3,132; take-home about $51,275 a year ($1,972.12 biweekly).
44. Minnesota: graduated 5.35% to 9.85%; estimated state, local and payroll deductions $3,183; take-home about $51,225 a year ($1,970.19 biweekly).
45. New York: graduated 3.9% to 10.9%; estimated state, local and payroll deductions $3,206; take-home about $51,202 a year ($1,969.31 biweekly).
46. Delaware: graduated 0% to 6.6%; estimated state, local and payroll deductions $3,209; take-home about $51,199 a year ($1,969.17 biweekly).
47. Massachusetts: graduated 5% to 9%; estimated state, local and payroll deductions $3,329; take-home about $51,079 a year ($1,964.56 biweekly).
48. Maine: graduated 5.8% to 7.15%; estimated state, local and payroll deductions $3,531; take-home about $50,877 a year ($1,956.79 biweekly).
49. Hawaii: graduated 1.4% to 11%; estimated state, local and payroll deductions $3,735; take-home about $50,673 a year ($1,948.95 biweekly).
50. Maryland: graduated 2% to 6.5%; estimated state, local and payroll deductions $4,674; take-home about $49,734 a year ($1,912.83 biweekly).
51. Oregon: graduated 4.75% to 9.9%; estimated state, local and payroll deductions $5,313; take-home about $49,095 a year ($1,888.25 biweekly).

2. States with no tax on wages

These states do not tax wages: Tennessee, Nevada, New Hampshire, South Dakota, Wyoming, Texas, Florida, Alaska, Washington. Federal income tax and FICA still apply everywhere. Some of these states charge for programs through payroll, such as Washington's long-term care and paid leave premiums and Alaska's employee unemployment contribution, and all of them raise revenue elsewhere, through sales, property or business taxes. Read states with no income tax for the full comparison.

3. Flat-rate states

These states tax wages at a single rate, sometimes after a small zero bracket: Arizona, Louisiana, Iowa, Mississippi, Utah, North Carolina, Idaho, Ohio, Colorado, Michigan, Pennsylvania, Georgia, Indiana, Illinois, Kentucky. Flat rates make paychecks easy to predict and forecast, but the standard deduction, exemptions and local taxes still change the effective rate. Pennsylvania, for example, has no standard deduction and taxes 401(k) deferrals, while Colorado and Iowa start from federal taxable income.

4. Graduated-rate states

These states use brackets that raise the rate as income grows: North Dakota, Vermont, New Mexico, Nebraska, Wisconsin, Missouri, West Virginia, Montana, Arkansas, Connecticut, Oklahoma, New Jersey, Rhode Island, South Carolina, Washington DC, Kansas, California, Virginia, Alabama, Minnesota, New York, Delaware, Massachusetts, Maine, Hawaii, Maryland, Oregon. The top rates in the table can look alarming, but they apply only to income above high thresholds, so most workers pay an effective rate far below the top rate. California, New York, New Jersey, Oregon and Minnesota have some of the steepest middle-income marginal rates.

5. States and cities with local income taxes

Local income or wage taxes appear in these states' calculators: Missouri, Ohio, Pennsylvania, Alabama, Indiana, Kentucky, New York, Delaware, Maryland, Oregon. They include the earned income tax in Pennsylvania, municipal tax in Ohio, county tax in Indiana and Maryland, occupational license taxes in Kentucky and Alabama, earnings taxes in St. Louis and Kansas City, city tax in Michigan and New York City, and the Wilmington wage tax in Delaware. Enter your exact local rate for the best estimate.

6. States with employee payroll programs

Several states deduct paid family leave, disability or similar premiums from employee paychecks: Alaska, Washington, Connecticut, New Jersey, Colorado, Rhode Island, California, Minnesota, New York, Delaware, Massachusetts, Maine, Hawaii, Oregon. Other states have adopted paid leave programs funded partly by employees that start in the coming years. These deductions often appear as SDI, PFL, PFML or FAMLI on a stub, so see the paycheck stub abbreviations glossary.

7. How the state calculators work

Each calculator starts from your gross pay, subtracts pre-tax deductions, and applies the 2026 federal standard deduction and brackets. It adds Social Security at 6.2% up to $184,500, Medicare at 1.45% and the 0.9% additional Medicare tax for high earners. It then applies the state's brackets after its standard deduction and exemptions, and adds optional local and payroll deductions. Details such as the Alabama federal tax deduction, Oregon's federal tax subtraction, phase-outs for exemptions and many credits are simplified, so treat every result as an estimate. Rates and tables come from published 2026 state tax tables and state agencies, and rates change often, so confirm with your state revenue department and your pay stub.

8. Beyond taxes: what else changes your real paycheck

Take-home pay is only part of the picture. Housing, health insurance, commuting, sales tax and property tax can outweigh a few thousand dollars of income tax difference, and salaries for the same job vary by state. Use the salary needed for take-home pay calculator to see how much more you must earn in a higher-tax state, and the hourly paycheck calculator if you are paid by the hour. Our US paycheck guide explains every line on a stub.

9. Common mistakes when comparing states

• Comparing only top marginal rates. Effective rates are lower and depend on deductions.
• Ignoring local taxes. City, county and school district taxes can add 1% to 4%.
• Forgetting payroll programs. SDI, PFML and similar premiums reduce take-home pay.
• Overlooking non-wage taxes. Sales, property and business taxes matter to total cost.
• Not updating withholding after a move. Use the W-4 withholding calculator.

10. Key takeaways

• The highest estimated take-home on $65,000 is in Tennessee, Nevada, New Hampshire, South Dakota, Wyoming; the lowest is in Massachusetts, Maine, Hawaii, Maryland, Oregon.
• Nine states do not tax wages, and several others tax at low flat rates.
• Local and payroll deductions can change results by hundreds or thousands of dollars.
• Each state calculator can be adjusted for your salary, pay frequency, filing status and deductions.
• Confirm exact figures with your state revenue agency, your employer and IRS.gov.

Frequently Asked Questions

Which state has the highest take-home pay?

On a $65,000 salary, states with no wage income tax rank highest, because only federal income tax and FICA apply. The ranking above shows the exact estimates.

Which state has the lowest take-home pay?

States with high graduated rates or large local and payroll deductions, such as Oregon, rank lowest in this comparison. The gap varies with salary and filing status.

Do all 50 states have a paycheck calculator here?

Yes. Every state and Washington DC has its own paycheck calculator with 2026 federal rules and that state's tax rules.

How accurate are the state paycheck calculators?

They are estimates built on published 2026 tax tables, simplified for credits and phase-outs. Your employer's payroll system and your tax return are final.

How is local income tax handled?

States with local taxes include an optional local rate field that you can set to your exact city, county or district rate.

Do tax rules change during the year?

Yes. Legislatures can change rates and deductions, and payroll programs adjust premiums each year, so check the state agency for current figures.

This article is for general education only and is not tax, legal or investment advice. Figures and rules change; confirm details with the IRS or a qualified professional before making decisions.