Updated for 2026 paychecks · no state income tax
Florida Paycheck Calculator 2026: Your Take-Home Pay
This Florida paycheck calculator shows what lands in your bank account each payday in 2026. Type in your salary or hourly wage, pick your pay schedule and copy your W-4. In seconds you will see your take-home pay per paycheck, per month and per year.
Florida has no state income tax, so the only taxes on a normal paycheck are federal. Even so, federal income tax, Social Security and Medicare take about $1 of every $6 on a $60,000 salary.
- No Florida income tax on wages
- IRS Publication 15-T (2026) formulas
- Updated for the September 2026 minimum wage
- Free, private, no sign-up
2026Federal + all 50 states + DC
Enter your pay below. Your 2026 Florida take-home pay updates as you type.
Example take-home pay
$1,938.08 every two weeks
On a $60,000 salary in Florida (single filer): $50,390 a year after federal income tax, Social Security, Medicare and state taxes.
Estimates for paychecks paid in 2026 using each agency’s published withholding method. Your employer’s payroll may differ by a few cents through rounding or plan details. This is not tax, legal or financial advice.
Last updated October 21, 2026 · Data: 2026 tax rules in force October 2026 (data 2026.10.2) · By Hamza Akram · How we calculate
How the Florida Paycheck Calculator Works
Quick answer
Type your yearly salary, or choose hourly and enter your rate and hours. Then select how often you are paid and your W-4 filing status. The Florida paycheck calculator subtracts federal income tax, 6.2% Social Security and 1.45% Medicare, and it shows your net pay per check and per year.
Enter salary or hourly pay.
Hourly workers can add overtime hours and tips or commissions per paycheck.
Choose your pay frequency.
Weekly, every two weeks, twice a month or monthly. Check your pay stub if you are not sure.
Match your federal W-4.
Filing status, the two-jobs box in Step 2 and dependent credits in Step 3 all change your federal tax.
List pre-tax deductions.
401(k), health insurance and HSA contributions lower your federal income tax.
Review and save.
See each paycheck, month and year. Then print, download a PDF pay stub or copy a link.
Does Florida Have State Income Tax?
Quick answer
No. Florida does not tax personal income, and its constitution bars a state income tax on individuals. That means no Florida tax line on your pay stub and no state withholding form to fill out. Federal income tax, Social Security and Medicare still apply to every Florida paycheck.
0%
Florida income tax on wages
2026
$15.00
Florida minimum wage
from September 30, 2026
7.65%
Social Security and Medicare
on most paychecks
Article VII, Section 5 of the Florida Constitution limits income taxes to corporations and similar entities. So, unlike most states, Florida cannot simply pass a law to tax your wages; it would first need to amend the constitution.
Instead, Florida relies on a 6% state sales tax plus local surtaxes, along with property taxes and tourism. As a result, renters and homeowners may feel costs that a paycheck calculator cannot show.
Florida Reemployment Tax Is Paid by Employers
Florida’s unemployment program is called reemployment tax. Employers pay it to the Florida Department of Revenue, so it does not come out of your check. Florida also has no state disability insurance or paid leave premium.
Florida Paycheck Example: $60,000 Salary
Quick answer
On a $60,000 salary paid every two weeks, a single Florida worker takes home $1,938.08 per paycheck, or $50,390 a year, in 2026. Federal income tax is $193.08 per check, Social Security is $143.08 and Medicare is $33.46. Florida withholds nothing.
Biweekly pay stub: $60,000 salary in Florida (2026)
Earnings
- Gross pay$60,000 ÷ 26 paychecks
- $2,307.69
Taxes
- Federal income taxIRS percentage method, single, standard W-4
- −$193.08
- Social Security6.2%
- −$143.08
- Medicare1.45%
- −$33.46
- Florida income taxnone on wages
- $0.00
- Net pay
- $1,938.08
Worked exampleStep by step: a $60,000 Florida paycheck
Start with gross pay per check: $60,000 ÷ 26 = $2,307.69.
- Social Security at 6.2%: $143.08
- Medicare at 1.45%: $33.46
- Federal income tax: the IRS worksheet takes $8,600 off $60,000, leaving $51,400. The 2026 table gives $5,020 for the year, so $193.08 per paycheck.
- Florida income tax: none
So the paycheck you keep is $1,938.08, which is about 84% of your gross pay.
Florida Salary Calculator: Take-Home Pay by Income
Quick answer
A single Florida worker keeps about $34,320 of a $40,000 salary, $61,592 of $75,000 and $79,180 of $100,000 in 2026. Because Florida adds no income tax, these match Texas and the other no-tax states. Only federal brackets and FICA make the share fall as pay rises.
| Salary | Federal income tax | State income tax | Social Security + Medicare | Take-home pay per year | Per paycheck |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $0 | $2,295 | $26,285 | $1,010.96 |
| $40,000 | $2,620 | $0 | $3,060 | $34,320 | $1,320.00 |
| $50,000 | $3,820 | $0 | $3,825 | $42,355 | $1,629.04 |
| $60,000 | $5,020 | $0 | $4,590 | $50,390 | $1,938.08 |
| $75,000 | $7,670 | $0 | $5,738 | $61,592 | $2,368.94 |
| $100,000 | $13,170 | $0 | $7,650 | $79,180 | $3,045.38 |
| $150,000 | $24,734 | $0 | $11,475 | $113,791 | $4,376.58 |
| $200,000 | $36,734 | $0 | $14,339 | $148,927 | $5,727.96 |
Florida Hourly Paycheck Calculator and Minimum Wage
Quick answer
Florida’s minimum wage rose to $15.00 an hour on September 30, 2026, up from $14.00. At $20 an hour for 40 hours, a single Florida worker takes home $684.72 a week. With five extra hours at time and a half, take-home pay rises to $805.25.
| Item | 40 hours | 45 hours (5 overtime) |
|---|---|---|
| Gross pay | $800.00 | $950.00 |
| Federal income tax | −$54.08 | −$72.08 |
| Social Security and Medicare | −$61.20 | −$72.68 |
| Take-home pay | $684.72 | $805.25 |
Tipped workers in Florida can be paid a lower cash wage, because the state constitution allows a fixed tip credit of $3.02. From September 30, 2026, that means a cash wage of at least $11.98, as long as tips bring the total to $15.00. Starting in September 2027, the minimum wage will rise with inflation each year.
Federal Taxes on Every Florida Paycheck
Quick answer
Florida paychecks pay three federal taxes. First, federal income tax, set by your pay and W-4. Second, Social Security at 6.2% on wages up to $184,500 in 2026. Third, Medicare at 1.45% on all wages, plus an extra 0.9% once your wages pass $200,000 in the year.
| Tax rate | Single | Married filing jointly |
|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 |
| 37% | Over $640,600 | Over $768,700 |
Source: IRS Revenue Procedure 2025-32. The 2026 standard deduction is $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
These brackets apply to taxable income for the year. Your employer, however, withholds using the IRS percentage method, so each paycheck carries an even share of the yearly tax. Our Florida paycheck calculator uses that same method.
Florida vs. Other States: How Much More Do You Keep?
Quick answer
Florida ties with Texas for the highest take-home pay among large states. On $60,000, a Florida worker keeps $50,390 a year, compared with $48,144 in Georgia, $48,466 in North Carolina and $47,424 in New York. On $100,000 the gap with New York grows to about $5,300.
Many people move to Florida from New York, New Jersey or Illinois for this reason. Before you move, though, compare housing and insurance costs too. Our paycheck calculators by state let you check any state.
Florida Paycheck Tips for Retirees, Remote Workers and Bonuses
Remote workers living in Florida
If you live in Florida and work remotely for a company in another state, you usually owe no state tax on those wages. A few states, such as New York, can still tax remote work under a "convenience of the employer" rule. In that case, ask your employer which state they withhold for.
Bonuses in Florida
Florida does not tax bonuses. Most employers withhold a flat 22% federal tax on a bonus paid separately. A $5,000 bonus therefore leaves about $3,517.50 after federal tax and FICA.
Retirees with a part-time job
Florida does not tax pensions, Social Security or IRA withdrawals either. However, a part-time paycheck still has federal income tax, Social Security and Medicare withheld. Social Security benefits may also be taxed federally, depending on your total income.
How to Keep More of Your Florida Paycheck
Quick answer
Pre-tax savings are the main lever, since Florida has no state tax to cut. On a $75,000 salary, a 6% 401(k) contribution saves $173.08 per paycheck for retirement but lowers take-home pay by only $135.00, because federal income tax drops by $38.08.
- Contribute to a 401(k) or 403(b). The 2026 limit is $24,500, with an $8,000 catch-up at age 50 and older.
- Pay health premiums and HSA contributions through your employer’s cafeteria plan. They also skip Social Security and Medicare.
- Review your W-4 after marriage, a new baby or a second job.
- Run the IRS Tax Withholding Estimator if you got a large refund or owed money last year.
Why a Florida Pay Stub Can Differ From the Calculator
The Florida paycheck calculator follows federal payroll formulas exactly. Still, your real pay stub may show a different number for one of these reasons:
- Health, dental or vision premiums and other benefits.
- Extra federal withholding you asked for on your W-4.
- Garnishments, union dues or other after-tax deductions.
- Tips reported to your employer, which are taxed through payroll.
- High year-to-date wages, after which Social Security stops for the year.
See how we calculate for every formula, or contact us if something looks wrong.
Florida Paycheck Calculator FAQ
How much tax comes out of a paycheck in Florida?
Only federal taxes. On a $60,000 salary, federal income tax, Social Security and Medicare take about 16% of each check. Florida itself takes nothing.
Does Florida have a state income tax?
No. Florida’s constitution bars a personal income tax, so employers withhold no state tax from wages.
What is $60,000 after taxes in Florida?
About $50,390 a year, or $1,938.08 every two weeks, for a single filer in 2026.
How much is $20 an hour after taxes in Florida?
About $684.72 a week for 40 hours, which is roughly $35,606 a year, for a single filer.
What is the Florida minimum wage in 2026?
$14.00 an hour until September 29, 2026, and $15.00 from September 30, 2026. Tipped workers can be paid $3.02 less, as long as tips make up the difference.
Do I need to fill out a state W-4 in Florida?
No. Florida has no state withholding certificate. Your employer only needs your federal Form W-4.
Is the Florida paycheck calculator free?
Yes. It is free, needs no sign-up and runs in your browser, so your pay details stay on your device.
Estimates, not tax advice
This Florida paycheck calculator gives estimates based on 2026 federal rules. It is not tax, legal or financial advice. Your employer’s payroll settings decide what is actually withheld.
Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding MethodsInternal Revenue Service Official
- Contribution and Benefit Base (2026 Social Security wage base)Social Security Administration Official
- Tax Withholding EstimatorInternal Revenue Service Official
- Florida Constitution, Article VII, Section 5The Florida Senate Official
- Reemployment TaxFlorida Department of Revenue
- State Minimum Wage LawsU.S. Department of Labor Official
See your Florida take-home pay
Now that you know how Florida paychecks work, try the Florida paycheck calculator with your own salary or hourly rate.