US Tools Calculator
State Paycheck Calculator
Estimate take-home pay including federal, FICA, and state income tax.
Estimated net pay in California
$2,484.96
- Gross pay per paycheck
- $3,333.33
- Federal tax (annual)
- $9,441.00
- State tax (annual, est.)
- $4,800.00
- FICA (annual)
- $6,120.00
- Net pay (annual)
- $59,639.00
How it works
This builds on the general Paycheck Calculator by adding an estimated state income tax on top of federal tax and FICA. Nine of the ten states here charge income tax; Texas and Florida do not, so their state tax is $0.
State tax is applied here as a single simplified flat rate on gross pay — real state tax systems use their own brackets and deductions (four of these states, Illinois, Pennsylvania, Georgia, and North Carolina, genuinely use a flat rate; California, New York, New Jersey, and Ohio use progressive brackets, so this is a rougher approximation for those four). This is a planning estimate, not tax advice — see each state's note below.
Formula
Federal tax = 2024 IRS brackets applied to (gross − standard deduction) State tax ≈ Gross pay × State's estimated flat rate FICA = 6.2% Social Security (up to the wage base) + 1.45%+ Medicare Net pay = Gross pay − Federal tax − State tax − FICA
Example
An $80,000 single filer in California, paid semimonthly: federal tax ≈ $9,441, Social Security ≈ $4,960, Medicare ≈ $1,160, and an estimated 6% state tax ≈ $4,800 — net pay ≈ $59,639/year, or about $2,484.96 per paycheck (24 paychecks/year).
State income tax at a glance
Data reflects 2024
| State | Has income tax? | Estimated rate | Notes |
|---|---|---|---|
| California | Yes | 6% | Progressive brackets from 1% to 13.3%; 6% is a representative mid-range estimate, not your exact rate. |
| Texas | No | 0% | Texas has no state income tax. |
| Florida | No | 0% | Florida has no state income tax. |
| New York | Yes | 5.5% | Progressive brackets up to 10.9%; NYC residents also pay separate city income tax not included here. |
| New Jersey | Yes | 5% | Progressive brackets up to 10.75% for very high earners; most filers pay well under 5%. |
| Illinois | Yes | 4.95% | Illinois uses a flat income tax rate for all income levels. |
| Pennsylvania | Yes | 3.07% | Pennsylvania uses a flat income tax rate for all income levels. |
| Ohio | Yes | 3% | Progressive brackets with a low top rate after recent reform; 3% is a representative mid-range estimate. |
| Georgia | Yes | 5.39% | Georgia moved to a flat income tax rate in 2024, phasing down gradually in future years. |
| North Carolina | Yes | 4.5% | North Carolina uses a flat income tax rate that is being phased down each year toward 3.99%. |
Frequently asked questions
Why is the state tax just one flat rate?
Modeling exact brackets, deductions, and credits for multiple states accurately would require far more state-specific detail than a single calculator can respectfully guarantee. The flat rate here is a representative estimate — for Illinois, Pennsylvania, Georgia, and North Carolina it's structurally accurate since those states use flat rates; for California, New York, New Jersey, and Ohio it approximates a typical effective rate.
Why is Texas or Florida's estimate higher take-home than California's?
Texas and Florida charge no state income tax at all, so more of your gross pay reaches your bank account compared to a state like California with both income tax and a higher estimated rate — even though other costs (property tax, insurance, general cost of living) can offset that difference.
Is this official tax advice?
No. This is a simplified planning estimate. It excludes local taxes (like NYC's city income tax), pre-tax deductions, and credits. Consult a tax professional for advice specific to your situation.
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