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Florida Paycheck Calculator
See what you actually take home from a Florida job. Florida has no state income tax, so your paycheck is reduced only by federal income tax withholding, Social Security, Medicare and your own deductions. The calculator uses the 2026 IRS withholding tables and your W-4 answers.
Last updated:
Pay
How are you paid?
$
$
Florida minimum wage: $14/h from Sept 30, 2025; $15/h from Sept 30, 2026.
h
h
Paid at 1.5×.
Form W-4 (2020 or later)
$
e.g. $2,200 per child under 17.
$
$
$
Deductions per check
% of gross
$
$
Roth 401(k), union dues, garnishments.
Enter your values to see the result.
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How to use the Florida Paycheck Calculator
- Choose salary or hourly and enter your pay, hours and overtime.
- Pick your pay frequency.
- Copy your Form W-4 answers: filing status, Step 2 box, dependents and any extra withholding.
- Enter deductions such as 401(k) percent and health insurance per check.
- Press Calculate take-home pay to see net pay and the full breakdown.
Florida paycheck taxes in 2026
| Tax | Rate | Notes |
|---|---|---|
| Federal income tax | 10% – 37% | Withheld from your W-4 using IRS Pub. 15-T |
| Social Security | 6.2% | On the first $184,500 of 2026 wages |
| Medicare | 1.45% (+0.9%) | Extra 0.9% on wages over $200,000 |
| Florida state income tax | 0% | Prohibited by the Florida Constitution |
| Local income tax | 0% | No Florida city or county taxes wages |
| State unemployment (reemployment) tax | Employer only | 2.7% on the first $7,000 for new employers; never deducted from you |
Sample Florida take-home pay (2026, single, biweekly, no deductions)
| Annual salary | Federal withholding / yr | FICA / yr | Take-home / yr | Per biweekly check |
|---|---|---|---|---|
| $31,200 ($15/h) | $1,564 | $2,387 | $27,249 | $1,048 |
| $45,000 | $3,220 | $3,443 | $38,338 | $1,475 |
| $60,000 | $5,020 | $4,590 | $50,390 | $1,938 |
| $80,000 | $8,770 | $6,120 | $65,110 | $2,504 |
| $100,000 | $13,170 | $7,650 | $79,180 | $3,045 |
Figures are rounded and assume a 2026 Form W-4 with only Step 1 completed. Your employer's payroll software may differ by a few dollars.
Tips for Florida workers
- Moving from a taxed state? A worker earning $60,000 who moves from a state with a 5% income tax keeps roughly $2,500–$3,000 more per year in Florida.
- Update your W-4 after marriage, a new child or a second job; Step 2 or 4(c) prevents under-withholding with two incomes.
- Tipped employees: Florida's tipped minimum wage is the regular minimum minus $3.02 per hour, and tips must make up the difference.
- Plan for property and sales tax: Florida's 6% state sales tax plus local surtaxes and property taxes fund the state instead of income tax.
Frequently asked questions
Does Florida have a state income tax?
No. Florida does not tax wages or personal income, and no Florida city or county has a local income tax. Your paycheck is only reduced by federal income tax, Social Security, Medicare and your own deductions.
What taxes come out of a Florida paycheck?
Federal income tax withholding based on your W-4, Social Security tax of 6.2% up to $184,500 of 2026 wages, and Medicare tax of 1.45% plus 0.9% on wages over $200,000. Florida reemployment (unemployment) tax is paid by employers, not deducted from employees.
How much is $60,000 a year after taxes in Florida?
For a single filer paid biweekly in 2026 with no deductions, federal withholding is about $5,020 a year and FICA $4,590, leaving roughly $50,390, or about $1,938 per paycheck. Use the calculator for your exact deductions.
How is federal withholding calculated?
This calculator follows IRS Publication 15-T 2026 Worksheet 1A: it annualizes taxable wages, adds W-4 Step 4(a) income, subtracts Step 4(b) deductions and the standard adjustment, applies the withholding brackets, subtracts Step 3 credits and adds Step 4(c) extra withholding.
What is the minimum wage in Florida?
Florida's minimum wage rose to $14.00 per hour on September 30, 2025 and goes up to $15.00 per hour on September 30, 2026, under the schedule voters approved in 2020.
Why do 401(k) and health insurance deductions affect taxes differently?
Traditional 401(k) contributions lower federal income tax withholding but not Social Security and Medicare. Section 125 benefits such as health premiums, FSA and payroll HSA contributions lower both.
Why is my real paycheck slightly different?
Employers may use the wage-bracket tables, round amounts, or include benefits like group-term life insurance. Bonuses are often withheld at a flat 22%. Check your pay stub for exact figures.
Are all the tools on FreeToolCabin tested for quality and accuracy?
Yes! Every tool on our site undergoes automated Q/A testing in real browser environments to ensure high precision, correct output, and zero errors. If you happen to spot a bug or have a suggestion, please contact us at [email protected] and our team will review it right away.
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