Florida Paycheck Calculator 2026 – Salary & Take-Home Pay

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How your Florida paycheck is calculated

Florida paychecks are simple because there is no state or city income tax to withhold. Your employer starts with your gross pay, removes pre-tax benefits, withholds federal taxes, takes any after-tax deductions and pays you the rest.

1. Gross paySalary, or hours × rate, plus overtime, bonuses and tips
2. Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
3. Federal taxesFederal income tax, Social Security and Medicare
4. After-tax deductionsRoth 401(k), union dues, garnishments
5. Net payThe take-home amount paid to you

Florida has no state income tax: what is still taken out

Article VII, Section 5 of the Florida Constitution bars a state income tax on individuals, and Florida also has no inheritance, gift or intangible property tax (Florida Department of Revenue). Florida's unemployment insurance, called reemployment tax, is paid by employers only and never comes out of your wages.

How Florida collects taxes instead

Without an income tax, Florida relies mainly on sales tax, property tax and tourism. The state sales tax is 6%, and most counties add a discretionary sales surtax of 0.5% to 1.5% on the first $5,000 of a purchase (Florida Department of Revenue). Homeowners pay property tax, reduced by the homestead exemption on a primary residence. So a Florida paycheck is bigger than in most states, but part of the saving goes on spending and housing costs.

Federal income tax brackets for 2026

Federal income tax is the only income tax on a Florida paycheck. These are the 2026 brackets set by the IRS:

The brackets apply to taxable income: your pay after pre-tax deductions and the standard deduction of $16,100 (single), $32,200 (married filing jointly) or $24,150 (head of household). A single filer earning $100,000 has $83,900 of taxable income and pays $13,170 in federal income tax, about 13.2% of gross pay. The Child Tax Credit of $2,200 per child under 17 lowers this further.

Social Security and Medicare on a Florida paycheck

• Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 a year (SSA). Once you pass the limit, it stops for the rest of the year.
• Medicare: 1.45% of all wages, with no limit. Employers withhold an extra 0.9% on wages above $200,000 in a year.

Together these are 7.65% of most paychecks, and your employer pays the same amount again on your behalf.

Take-home pay examples in Florida for 2026

These results come from the calculator above for a single filer paid monthly, with no pre-tax deductions:

A married couple filing jointly on $150,000 of combined pay takes home about $123,185 a year (17.9% in total taxes). With two children under 17, a couple earning $100,000 takes home about $89,110, because the $4,400 Child Tax Credit cuts their federal tax to $3,240. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $43,962 a year, or $3,664 a month.

Florida take-home pay compared with other states

The same $100,000 salary for a single filer in 2026 keeps much more in Florida than in high-tax states:

Moving to Florida or working remotely? You stop paying your old state's income tax once you become a Florida resident and earn your wages here. If you work remotely for an employer in a state such as New York, that state may still tax your wages under its own rules, so check before you change your withholding.

Paychecks in Miami, Tampa, Orlando and Jacksonville

No Florida city or county taxes wages, so take-home pay is the same in Miami, Tampa, Orlando, Jacksonville and everywhere else in the state for the same salary and deductions. What changes between cities is pay levels and living costs, mainly housing, insurance and the county sales tax surtax. Use the calculator above for any Florida city.

How bonuses, overtime and tips are taxed in Florida

• Bonuses: Employers usually withhold a flat 22% federal income tax on bonuses (37% on bonus pay over $1 million in a year), plus Social Security and Medicare. There is no state tax on a Florida bonus. On a $100,000 salary you keep about $7,035 of a $10,000 bonus. See the bonus tax calculator.
• Overtime: Florida follows the federal rule: 1.5 times your regular rate for hours over 40 in a workweek. There is no daily overtime under Florida law. See the overtime calculator.
• Tips and the new federal deductions: For 2025 to 2028, qualified tips (up to $25,000) and the overtime premium (up to $12,500, or $25,000 for joint filers) can be deducted from federal taxable income. With no state income tax, this lowers the only income tax you pay. Social Security and Medicare still apply.

How pre-tax deductions lower your Florida taxes

Salary or hourly pay in Florida

For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. Under the 2020 voter-approved Amendment 2, the Florida minimum wage rose to $15.00 an hour on September 30, 2026 (it was $14.00 before that), which is $31,200 a year full time. Tipped employees must get a cash wage of at least $11.98 an hour. From 2027 the rate is adjusted for inflation each year, with the next change on January 1, 2028 (Lowndes). A full-time worker on $15.00 an hour takes home about $27,249 a year, or $2,271 a month.

Salaried employees exempt from overtime must generally earn at least $684 a week, or $35,568 a year, under federal law (U.S. Department of Labor). Florida has no separate state rule, and no state law on when a final paycheck must be paid; employers usually pay it on the next regular payday.

Why your actual paycheck may differ from this estimate

• This calculator estimates your tax for the full year. Employers withhold federal tax using IRS withholding tables and your W-4, so each check can be a little higher or lower.
• Bonuses are often withheld at a flat 22% instead of your real rate.
• Social Security stops once your wages pass $184,500, so late-year paychecks of high earners are larger.
• Some benefits are taken only from certain paychecks, and in some years biweekly pay has 27 pay dates instead of 26.

How to increase your take-home pay in Florida

• Check your withholding with the IRS Tax Withholding Estimator and update your W-4 after a raise, a new job or a change in your family. Florida has no state withholding form.
• Use pre-tax benefits such as a 401(k), FSA, commuter benefits and an HSA, which is fully tax-free in Florida.
• If you earn tips or overtime, keep records so you can claim the federal tips and overtime deductions when you file.

How this calculator works

The calculator estimates your full-year federal tax and divides it by your pay periods. It uses the 2026 federal brackets, standard deduction and credits (Rev. Proc. 2025-32, including the 2025 tax law changes), the 2026 Social Security wage base and Medicare rates. Florida has no state or local income tax to add. For joint filers, enter combined household wages. Results are estimates, not tax advice.

Last reviewed: October 28, 2026.