Florida Paycheck Calculator 2026 - No State Income Tax

Calculate Your Florida Take-Home Pay - No State Income Tax

One of the biggest advantages of working in Florida is that there's no state income tax. This means your Florida take-home pay is higher than in most other states because you only pay federal taxes and FICA (Social Security and Medicare). Florida is one of only 9 states with no income tax, along with Texas, Nevada, Washington, Wyoming, South Dakota, Tennessee, New Hampshire, and Alaska.

For example, someone earning $75,000 in Florida takes home approximately $57,000-$59,000 after federal taxes and FICA. The same salary in New York would result in about $52,000-$55,000 take-home pay due to New York's state income tax (up to 10.9%). That's a $5,000-$7,000 annual difference just from state taxes alone.

Our Florida paycheck calculator helps you determine your exact Florida take-home pay. Because we maintain federal, FICA, and Florida withholding tables for every filing status, the calculator instantly shows both per-paycheck and annual net pay. Toggle between salary and hourly pay, include pre-tax deductions such as 401(k), HSA, or health insurance, and watch the tool recompute your Florida take-home pay immediately.

How to Use the Florida Paycheck Calculator

Using our Florida paycheck calculator is simple. Follow these steps to calculate your Florida take-home pay:

1. Enter your income: Select salary or hourly pay and enter your gross income. For example, if you earn $70,000 per year or $35 per hour in Florida, enter that amount.
2. Select Florida: Choose Florida as your state (using ?state=FL in the URL fills it in automatically). This ensures no state income tax is applied.
3. Add your details: Pick your pay frequency (weekly, bi-weekly, semi-monthly, or monthly) and filing status (single, married filing jointly, etc.), then add any 401(k), HSA, or health insurance deductions.
4. Get your results: Click "Calculate My Paycheck" and review the detailed breakdown showing your Florida take-home pay, including federal income tax, FICA taxes, and your final net pay (no state tax!).

The Florida paycheck calculator is especially useful for comparing job offers, planning your budget in popular areas like Miami, Tampa, or Orlando, or understanding how pre-tax deductions affect your Florida take-home pay. With no state income tax, you maximize your take-home pay compared to states with income taxes.

Florida Local Taxes and Your Take-Home Pay

When calculating your Florida take-home pay, it's important to note that Florida does not allow local income taxes at the city or county level. Unlike states like Pennsylvania or Ohio, Florida only collects federal taxes and FICA, which simplifies your Florida paycheck calculation significantly.

However, Florida does have a state sales tax of 6% (plus local sales taxes that can bring the total to 7-7.5% in some areas) and property taxes. While these don't directly affect your paycheck, they're important to consider when evaluating the total cost of living in Florida. Your Florida paycheck calculator results will show your take-home pay after federal income tax and FICA taxes only—no state or local income taxes.

This makes Florida an extremely attractive state for workers who want to maximize their take-home pay, as the absence of state income tax means more money in your pocket each paycheck. This is especially valuable for retirees and high earners.

Example: Florida Paycheck Calculation

Let's calculate the Florida take-home pay for someone earning $80,000 per year in Florida, filing as married filing jointly, with a 5% 401(k) contribution:

• Gross annual salary: $80,000
• 401(k) contribution (5%): $4,000 (pre-tax)
• Federal taxable income: ~$65,400 (after standard deduction)
• Federal income tax: ~$6,200
• FICA taxes (Social Security + Medicare): $6,120
• Florida state tax: $0 (no state income tax!)
• Florida take-home pay (annual): $63,680
• Bi-weekly Florida paycheck: ~$2,449

This example demonstrates how the Florida paycheck calculator works. With no state income tax, your Florida take-home pay is maximized compared to states with income taxes. The same $80,000 salary in California would result in approximately $58,000-$60,000 take-home pay due to state taxes.

2026 Planning Tips for Florida Employees

• Update your W-4: If you want to adjust your Florida take-home pay, update your W-4 if you picked up a second job, got married, or expect significant itemized deductions in 2026.
• Maximize pre-tax benefits: Leverage pre-tax benefits—every dollar you contribute to a 401(k) or HSA reduces your federal taxable income, increasing your take-home pay. In Florida, you get the full benefit since there's no state tax to save on.
• Track Social Security wage base: Track your year-to-date taxable wages. Once you hit the Social Security wage base ($168,600 in 2025), your Florida take-home pay will increase because OASDI withholding stops for the rest of the year.
• Consider total cost of living: While Florida has no income tax, remember to consider property taxes, sales taxes, and cost of living (especially in popular areas like Miami or Naples) when evaluating your overall financial situation.

Frequently Asked Questions About Florida Paycheck Calculator