Paycheck calculator — states with no income tax
Nine states levy no income tax on wages. Pick one and see what remains: federal income tax and FICA everywhere — and, in Washington, the WA Cares withholding.
Result — Texas — $75,000.00/year — biweekly — single — 0 dependents
| Line | Per period | Annual |
|---|---|---|
Gross pay (incl. declared tips)Why this line?Your pay before anything is taken out — the starting point of every line below it. Why this rate: Not a tax — it is the amount your employer agreed to pay for the period. What changes it: Hours, salary, overtime and bonuses. Every other line in the result is computed from this amount. Source: IRS — Rev. Proc. 2025-32 (IR-2025-103, 2025-10-09) — verified 2026-10-22. | $2,884.62 | $75,000.00 |
Federal income taxWhy this line?Federal income tax. On an employee paycheck (P1) this is the amount WITHHELD for the period, computed with the IRS Publication 15-T percentage method for automated payroll (Worksheet 1A): the period wage is annualized, adjusted for the Form W-4 entries — Step 4(a) other income added, Step 4(b) deductions and the Step 2 checkbox adjustment subtracted — taxed on the publication's own annual percentage schedules, then divided back by the pay periods, with the Step 3 amount credited per period and any Step 4(c) extra amount added. On the self-employment side (P3) it is the estimated annual liability: income minus the standard deduction, taxed through the 10%-37% brackets for the filing status. Why this rate: Congress sets the rates in the Internal Revenue Code. The IRS publishes the withholding machinery each year in Publication 15-T (2026 edition for 2026 paychecks) and the annual brackets and standard deductions in its yearly revenue procedure (for 2026: Rev. Proc. 2025-32). What changes it: Pay level and frequency, filing status, and the Form W-4 entries (Step 2 checkbox, Step 3 amount, Steps 4(a)/4(b)/4(c)) — and in P3, the one-half SE tax deduction and the QBI deduction, which reduce taxable income before the brackets apply. Source: IRS — Publication 15-T (2026), Federal Income Tax Withholding Methods — verified 2026-10-26. | $295.00 | $7,670.00 |
Social Security (FICA)Why this line?Your Social Security (FICA) contribution: 6.2% of wages, but only on the first $184,500 earned in 2026. It funds Social Security retirement and disability benefits. Why this rate: Set by Congress (IRC §3101): 6.2% employee + 6.2% employer. The $184,500 wage base for 2026 is announced by the Social Security Administration and rises with national wage growth. What changes it: It stops mid-year once cumulative wages (all employers combined, in this engine's liability view) reach the $184,500 wage base; the base is re-set by the SSA every October. Source: SSA 2026 wage base + IRC §3101/3111 rates; cross-checked in J1 correction (IRS/SSA) — verified 2026-10-22. | $178.85 | $4,650.00 |
Medicare (FICA)Why this line?Your Medicare (FICA) contribution: 1.45% of every dollar of wages, with no cap. It funds Medicare health insurance for people 65 and over. Why this rate: Set by Congress (IRC §3101): 1.45% employee + 1.45% employer. There has never been a Medicare wage cap. What changes it: Nothing caps it — it grows dollar-for-dollar with pay. Only the wage amount changes it. Source: IRC §3101/3111 — no wage cap — verified 2026-10-22. | $41.83 | $1,087.50 |
Texas income taxWhy this line?State income tax on your wages for the state shown — flat in some states (one rate for everyone), progressive in others (brackets like the federal tax), and zero in the nine states that do not tax wages. Why this rate: Each state's legislature sets its own rates, brackets and deductions; the figures here are the state's 2026 parameters as encoded in the data pack. What changes it: The state (each sets its own system), income, the state's standard deduction/exemptions, and state law changes — several states cut rates for 2026. Source: Texas Constitution art. VIII, sec. 24-a (added by Proposition 4, approved November 5, 2019: 'The legislature may not impose a tax on the net incomes of individuals, including an individual's share of partnership and unincorporated association income'); Texas Comptroller — verified 2026-10-25. | $0.00 | $0.00 |
Total deductionsWhy this line?The sum of every deduction line for this paycheck — everything taken out between gross pay and net pay. Why this rate: Not a tax — the subtotal of the lines above it. What changes it: Any of the component lines; it drops noticeably mid-year for high earners once the Social Security cap is reached. Source: IRS — Rev. Proc. 2025-32 (IR-2025-103, 2025-10-09) — verified 2026-10-22. | $515.68 | $13,407.68 |
Net payWhy this line?What actually lands in your bank account for the period: gross pay minus every deduction line above it. Why this rate: Not a tax — it is the remainder after the taxes above are subtracted. What changes it: Any change in gross pay or in any deduction — including mid-year changes like reaching the Social Security cap, which makes net pay jump up. Source: IRS — Rev. Proc. 2025-32 (IR-2025-103, 2025-10-09) — verified 2026-10-22. | $2,368.94 | $61,592.32 |
Compare scenarios
In Texas (annual net)
$61,592.32
Engine scenario: full year at this pay.
Same pay, no state income tax (annual net)
$61,592.32
Engine scenario: state income tax removed, everything else identical.
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Methodology, limits and sources
Rates verified on 2026-10-26 (primary sources listed per line).
Federal withholding: IRS Publication 15-T (2026), Worksheet 1A percentage method, applied per pay period from the Form W-4 entries. State income tax: annual method — the engine computes the annual state tax on the annual tables, then divides by the pay frequency (state per-period withholding tables are not reproduced — a documented, deliberate limit). The Social Security cap is applied cumulatively across the year. Free entry: this page also runs the engine in your browser — enter any salary, or an hourly rate with the regular and overtime hours of one pay period (overtime hours are paid at 1.5x the rate; the period gross is derived from those entries, and no weekly 40-hour rule is applied for you). The browser engine and the build-time engine are two executions of the same computation over the same data files, proven equal line by line on a differential bench of 10,558 systematic and seeded-random cases plus all 1,068 precomputed cases shipped on the paycheck pages, with a $0.00 tolerance on every line. Pre-tax entries are part of the free entry (block B3): a traditional 401(k) deferral (a yearly amount or a percentage of pay), HSA contributions made through your employer's cafeteria plan, and health FSA salary reductions. Cafeteria-plan amounts come off first and reduce both income-tax wages and Social Security/Medicare wages; the 401(k) reduces income-tax wages only, and the Social Security wage base applies after the cafeteria-plan amounts. The 2026 IRS limits are applied ($24,500 for the 401(k); $4,400 self-only or $8,750 family for the HSA; $3,400 for the health FSA) and an amount above a limit is capped and flagged in the result; catch-up contributions for older workers are not modeled (no age is asked). Each state applies its own treatment: Pennsylvania taxes 401(k) contributions, New Jersey taxes cafeteria-plan amounts, and California and New Jersey tax HSA contributions — the affected state pages say so, and the result flags it when it applies to you.
The nine states with no tax on wage income
| Alaska | State income tax: $0.00 · annual net on $75,000: $61,592.32 · Alaska paycheck calculator |
|---|---|
| Florida | State income tax: $0.00 · annual net on $75,000: $61,592.32 · Florida paycheck calculator |
| New Hampshire | State income tax: $0.00 · annual net on $75,000: $61,592.32 · New Hampshire paycheck calculator |
| Nevada | State income tax: $0.00 · annual net on $75,000: $61,592.32 · Nevada paycheck calculator |
| South Dakota | State income tax: $0.00 · annual net on $75,000: $61,592.32 · South Dakota paycheck calculator |
| Tennessee | State income tax: $0.00 · annual net on $75,000: $61,592.32 · Tennessee paycheck calculator |
| Texas | State income tax: $0.00 · annual net on $75,000: $61,592.32 · Texas paycheck calculator |
| Washington | State income tax: $0.00 · WA Cares Fund (long-term care premium) $435.00/year · annual net on $75,000: $61,157.34 · Washington paycheck calculator |
| Wyoming | State income tax: $0.00 · annual net on $75,000: $61,592.32 · Wyoming paycheck calculator |
What is still withheld
Federal income tax and FICA (Social Security and Medicare) apply in every state — the federal lines of the result are identical for the same pay, filing status and frequency. Washington is the exception that proves the rule: it has no income tax, but its WA Cares long-term-care program withholds 0.58% of wages (see the Washington row above and the WA Cares line in a Washington result).
Employer side
No income tax does not mean no employer taxes: SUTA and FUTA still apply. See the employer cost calculator — Texas, Florida and Washington have their own state pages in this wave.
Each no-tax state on its own page
Data status and sources
Each state's file states that it levies no tax on wage income (parameter has_wage_income_tax: false), with its own source and verification date — open any line of a result to see them. Method: how the paycheck engine computes.
Frequently asked questions
Which states have no income tax on wages in 2026?
Nine: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. Each is selectable in the calculator above.
Do I still pay federal taxes in a no-income-tax state?
Yes. Federal income tax, Social Security and Medicare are federal and apply identically in every state — only the state line disappears.
Does Washington really withhold nothing at state level?
Washington has no income tax, but the WA Cares Fund withholds 0.58% of wages for long-term-care insurance. It appears as its own line in a Washington result.