New Hampshire Paycheck Calculator 2026 - No State Income Tax on Wages

Calculate Your New Hampshire Take-Home Pay - No State Income Tax on Wages for 2026

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

For example, a tech worker earning $92,000 in Manchester takes home approximately $70,000-$72,000 after federal taxes and FICA. The same salary in Massachusetts would result in about $65,000-$67,000 take-home pay due to Massachusetts's 5% flat state income tax. That's a $5,000-$7,000 annual difference just from state taxes alone. As financial planner Sarah Mitchell notes, "New Hampshire's no-income-tax status on wages makes it particularly attractive for workers in tech, healthcare, and other high-earning industries, especially compared to neighboring Massachusetts."

Our New Hampshire paycheck calculator for 2026 helps you determine your exact New Hampshire take-home pay. Because we maintain federal, FICA, and New Hampshire withholding tables for every filing status using the latest 2026 tax rates, 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 New Hampshire take-home pay immediately with accurate 2026 calculations.

How to Use the New Hampshire Paycheck Calculator for 2026

Using our New Hampshire paycheck calculator for 2026 is straightforward. Follow these steps to calculate your New Hampshire take-home pay using the latest 2026 tax rates:

1. Enter your income: Select salary or hourly pay and enter your gross income. For example, if you earn $80,000 per year or $40 per hour in New Hampshire for 2026, enter that amount.
2. Select New Hampshire: Choose New Hampshire as your state (using ?state=NH in the URL fills it in automatically). This ensures no state income tax on wages 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 New Hampshire take-home pay for 2026, including federal income tax, FICA taxes, and your final net pay (no state tax on wages!).

The New Hampshire paycheck calculator for 2026 is especially useful for comparing job offers, planning your budget in Manchester, Nashua, Concord, or Portsmouth, or understanding how pre-tax deductions affect your New Hampshire take-home pay. With no state income tax on wages, you maximize your take-home pay compared to states with income taxes like Massachusetts or Maine.

Understanding New Hampshire's Tax System for 2026

New Hampshire is unique among U.S. states in that it has no state income tax on wages, though it does tax interest and dividends. Starting in 2026, New Hampshire taxes interest and dividends at 5%, but this is being phased out and will be eliminated by 2027. This tax on investment income does not affect your paycheck calculations, as it only applies to interest and dividend income, not wages.

New Hampshire generates revenue primarily through business taxes, property taxes (which are among the highest in the nation), and selective sales taxes on specific items like meals and lodging. The lack of a general sales tax and no income tax on wages makes New Hampshire extremely attractive for workers who want to maximize their take-home pay.

However, it's important to note that New Hampshire has relatively high property taxes, which can offset some of the benefits of no income tax, particularly for homeowners. The combination of no income tax on wages and no general sales tax makes New Hampshire attractive for workers, but higher property taxes are an important consideration when evaluating the total cost of living.

New Hampshire Local Taxes and Your Take-Home Pay

When calculating your New Hampshire take-home pay for 2026, it's important to note that New Hampshire does not allow local income taxes at the city or county level. Unlike states like Pennsylvania or Ohio, New Hampshire only collects federal taxes and FICA, which simplifies your New Hampshire paycheck calculation significantly.

However, New Hampshire does have property taxes and selective sales taxes on meals and lodging. While these don't directly affect your paycheck, they're important to consider when evaluating the total cost of living in New Hampshire. Your New Hampshire paycheck calculator results for 2026 will show your take-home pay after federal income tax and FICA taxes only—no state or local income taxes on wages.

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

Understanding New Hampshire's Cost of Living for 2026

While New Hampshire has no state income tax on wages, the cost of living in New Hampshire is generally higher than the national average, particularly for housing and property taxes. Housing costs in southern New Hampshire, particularly near the Massachusetts border, are comparable to or above national averages due to proximity to Boston's job market.

However, the lack of state income tax on wages helps offset these higher costs, especially for higher earners. For example, someone earning $100,000 in New Hampshire takes home approximately $75,000 after federal taxes and FICA, compared to about $68,000-$70,000 in Massachusetts.

Property taxes in New Hampshire are among the highest in the nation, which is an important consideration when evaluating your overall financial situation. However, the lack of income tax on wages and no general sales tax provides significant benefits, particularly for renters or workers who don't own property.

Example: New Hampshire Paycheck Calculation for 2026

Let's calculate the New Hampshire take-home pay for someone earning $85,000 per year in New Hampshire for 2026, filing as married filing jointly, with a 6% 401(k) contribution:

• Gross annual salary: $85,000
• 401(k) contribution (6%): $5,100 (pre-tax)
• Federal taxable income: ~$70,300 (after standard deduction)
• Federal income tax: ~$7,100
• FICA taxes (Social Security + Medicare): $6,502
• New Hampshire state tax on wages: $0 (no state income tax on wages!)
• New Hampshire take-home pay (annual): $66,298
• Bi-weekly New Hampshire paycheck: ~$2,550

This example demonstrates how the New Hampshire paycheck calculator for 2026 works. With no state income tax on wages, your New Hampshire take-home pay is maximized compared to states with income taxes. The same $85,000 salary in Vermont would result in approximately $60,000-$62,000 take-home pay due to state taxes.

Multiple Salary Examples: New Hampshire Take-Home Pay for 2026

Understanding how different salary levels affect your New Hampshire take-home pay for 2026 helps with financial planning:

Entry-Level ($48,000 salary, single filer): After federal taxes (~$4,300), FICA (~$3,672), and no state tax on wages, annual take-home pay is approximately $40,028, or $1,540 per bi-weekly paycheck.

Mid-Career ($75,000 salary, married filing jointly): After federal taxes (~$5,800), FICA (~$5,737), and no state tax on wages, annual take-home pay is approximately $63,463, or $2,441 per bi-weekly paycheck.

Senior Level ($105,000 salary, married filing jointly, 8% 401(k)): After 401(k) contribution ($8,400), federal taxes (~$9,800), FICA (~$7,390), and no state tax on wages, annual take-home pay is approximately $79,410, or $3,054 per bi-weekly paycheck.

High Earner ($135,000 salary, single filer, 10% 401(k)): After 401(k) contribution ($13,500), federal taxes (~$17,500), FICA (~$9,278), and no state tax on wages, annual take-home pay is approximately $94,722, or $3,643 per bi-weekly paycheck.

Comparing New Hampshire to Neighboring States for 2026

Understanding how New Hampshire compares to nearby states helps when evaluating job offers or considering relocation in 2026:

New Hampshire vs. Massachusetts: Massachusetts has a flat 5% state income tax. Someone earning $90,000 in New Hampshire takes home approximately $68,000, compared to about $63,000-$65,000 in Massachusetts—a difference of $3,000-$5,000 per year.

New Hampshire vs. Vermont: Vermont has progressive tax rates up to 8.75%. Someone earning $90,000 in New Hampshire takes home approximately $68,000, compared to about $62,000-$64,000 in Vermont—a difference of $4,000-$6,000 per year.

New Hampshire vs. Maine: Maine has progressive tax rates up to 7.15%. Someone earning $90,000 in New Hampshire takes home approximately $68,000, compared to about $63,000-$65,000 in Maine—a difference of $3,000-$5,000 per year.

New Hampshire vs. Connecticut: Connecticut has progressive tax rates up to 6.99%. Someone earning $90,000 in New Hampshire takes home approximately $68,000, compared to about $63,000-$65,000 in Connecticut—a difference of $3,000-$5,000 per year.

New Hampshire vs. Rhode Island: Rhode Island has progressive tax rates up to 5.99%. Someone earning $90,000 in New Hampshire takes home approximately $68,000, compared to about $64,000-$66,000 in Rhode Island—a difference of $2,000-$4,000 per year.

New Hampshire-Specific Industries and 2026 Considerations

New Hampshire's economy is diverse, with several major industries that benefit from the lack of state income tax on wages:

Technology: New Hampshire has a growing tech sector, particularly in southern New Hampshire near the Massachusetts border. Tech workers benefit significantly from the lack of state income tax, especially compared to Massachusetts's 5% rate. The 2026 paycheck calculator helps tech workers plan their finances and compare job offers.

Healthcare: New Hampshire's healthcare sector, including hospitals, clinics, and medical device companies, provides employment opportunities. Healthcare workers can use the 2026 paycheck calculator to understand their take-home pay across different salary levels.

Manufacturing: New Hampshire has a strong manufacturing sector, particularly in aerospace, electronics, and precision manufacturing. Manufacturing workers benefit from the flat tax rate, especially at higher salary levels.

Finance and Insurance: New Hampshire's financial services and insurance industries provide employment opportunities. Workers in these industries often earn higher salaries and benefit significantly from the lack of state income tax on wages.

Remote Work: New Hampshire's lack of state income tax on wages and proximity to Boston make it an attractive destination for remote workers who can work from anywhere but want access to major metropolitan areas.

2026 Planning Tips for New Hampshire Employees

• Update your W-4 for 2026: If you want to adjust your New Hampshire 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 New Hampshire, you get the full benefit since there's no state tax on wages 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, adjusted for inflation in 2026), your New Hampshire take-home pay will increase because OASDI withholding stops for the rest of the year.
• Consider total cost of living: While New Hampshire has no income tax on wages, remember to consider property taxes (which are among the highest in the nation), housing costs, and selective sales taxes when evaluating your overall financial situation. The lack of income tax on wages helps offset these higher costs, especially for higher earners.
• Research location-specific costs: Cost of living varies significantly between southern New Hampshire (near Boston) and northern New Hampshire. Research housing, property taxes, and transportation costs in your specific New Hampshire location when evaluating job offers for 2026.
• Factor in property taxes: If you own a home in New Hampshire, property taxes can be significant. Factor this into your budget when planning your 2026 finances, as high property taxes can offset some benefits of no income tax on wages.

Frequently Asked Questions About New Hampshire Paycheck Calculator for 2026