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Paycheck calculator for states with no wage income tax

Estimate take-home pay after federal income tax and FICA in states with no wage income tax only. Covered states are Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming.

By Fintrivex Updated Sources

This calculator covers states with no wage income tax only. It does not model state income tax.

Inputs

Pay

Lowers federal taxable income. FICA is figured on gross pay.

Tax

Only states with no wage income tax are included.

Estimated take-home pay, every two weeks

$2,639.52

$68,627.50 a year after federal tax and FICA

  • Take-home $68,627.50
  • Federal income tax $9,870.00
  • FICA $6,502.50

Breakdown

Gross pay (annual)
$85,000.00
Pre-tax retirement contributions
$0.00
Standard deduction
$16,100.00
Federal taxable income
$68,900.00
Federal income tax
$9,870.00
Social Security (6.2%)
$5,270.00
Medicare (1.45%)
$1,232.50
State income tax
$0.00
Social Security wage base
$184,500
Take-home pay (annual)
$68,627.50
Gross per paycheck (26 a year)
$3,269.23
Take-home per paycheck
$2,639.52

What changes

  • Federal taxable income of $68,900.00 reaches the 22% bracket.
  • Federal tax and FICA together are 19.26% of gross pay.
  • State income tax is $0 here because Texas is one of the nine states listed without a wage income tax. Other state and local payroll programs are not included.
  • Federal tax uses the 2026 brackets and standard deduction for the filing status chosen. Credits, other deductions, extra withholding and the Additional Medicare Tax are not modeled.
  • Social Security is 6.2% and Medicare is 1.45% of gross wages. Pre-tax retirement contributions lower federal taxable income but not these wages.

Estimated take-home pay, every two weeks

$2,639.52

See breakdown

What to check next

How it works

What this calculation includes

Take-home pay is gross pay minus federal income tax, FICA and any pre-tax retirement contribution. This calculator covers only states with no wage income tax, so no state income tax is subtracted.

Federal income tax starts from gross pay. Pre-tax retirement contributions and the standard deduction come off first, and the remainder is taxed in slices. A single filer with $85,000 of gross pay has $68,900 of taxable income, which gives $9,870 of federal tax. FICA on $85,000 is $6,502.50.

Per-paycheck figures divide the annual amounts by the number of pay periods in a year: 52 weekly, 26 every two weeks, 24 twice a month and 12 monthly.

Take-home pay

TI = G − SD F = sum of (bracket rate × income in that bracket) SS + Med = 0.062 × min(G, $184,500) + 0.0145 × G Net = G − F − ( SS + Med )

In words Federal tax is figured on taxable income after the standard deduction; FICA is Social Security plus Medicare; net is gross minus those taxes and pre-tax retirement.

G
Gross annual pay
SD
Standard deduction for the filing status
TI
Taxable income
F
Federal income tax from the brackets
SS
Social Security tax (6.2% up to the wage base)
Med
Medicare tax (1.45% of gross)
Net
Annual take-home pay

Social Security tax applies only up to the published wage base for the tax year; Medicare has no wage base in this model.

Example

  • Gross: $85,000.00
  • Filing status: Single
  • State: Texas (no wage income tax)
  • Pre-tax retirement: $0.00
  1. Taxable income = $85,000.00 − $16,100.00 = $68,900.00
  2. Federal tax from 2026 brackets = $9,870.00
  3. FICA = Social Security + Medicare = $6,502.50
  4. Net = gross − federal − FICA = $68,627.50

Annual net: $9,870.00 federal · $6,502.50 FICA · $68,627.50 net

Worked example

Using the default inputs on this page.

Annual gross pay
$85,000.00
Pay frequency
Every two weeks (26)
Pre-tax retirement contributions (annual)
$0.00
Filing status
Single
State
Texas (TX)

Estimated take-home pay, every two weeks

$2,639.52

$68,627.50 a year after federal tax and FICA

Questions

Which states are included?

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming. State income tax is shown as $0 for these states. Other state and local payroll programs are not included.

How is federal tax figured?

Gross pay minus pre-tax retirement contributions and the standard deduction gives taxable income. Each slice of taxable income is taxed at the rate for its bracket in the 2026 table.

How are Social Security and Medicare figured?

Social Security is 6.2 percent of wages up to the 2026 Social Security wage base of $184,500. Medicare is 1.45 percent of all gross wages in this model.

What is not included?

Tax credits, other deductions, extra withholding, the Additional Medicare Tax, health premiums and other pre-tax benefits.

Sources

Methodology and worked examples