Idaho Paycheck Calculator 2026 – Salary & Take-Home Pay

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How your Idaho paycheck is calculated

Your employer starts with your gross pay, removes pre-tax benefits, withholds federal and Idaho income tax, Social Security and Medicare, takes 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. TaxesFederal income tax, Idaho income tax, Social Security and Medicare
4. After-tax deductionsRoth 401(k), union dues, garnishments
5. Net payThe take-home amount paid to you

What is taken out of an Idaho paycheck in 2026

Idaho income tax rate for 2026

Idaho's rate is a flat 5.3% for 2025 and 2026, after HB 40 cut it from 5.695% in 2025 (BANDER Wealth Management summary). A small slice of taxable income is taxed at 0%:

The 0% amount rises with inflation each year; the 2026 figure is our estimate until the Tax Commission publishes its 2026 tables. The Tax Commission confirmed in August 2026 that the 5.3% rate is unchanged for 2026 (EY Tax News).

Idaho follows the federal standard deduction

Idaho starts from your federal taxable income, so the federal standard deduction ($16,100 single, $24,150 head of household, $32,200 joint for 2026) and federal itemized deductions carry over. A single filer earning $100,000 has $83,900 of Idaho taxable income. The tax is 5.3% of the $78,960 above the 0% amount, or $4,185, about 4.2% of gross pay. Traditional 401(k) contributions, health premiums, HSA and FSA contributions lower your Idaho tax too.

Tips, overtime and the senior deduction in Idaho

On February 10, 2026, Governor Little signed HB 559, which adopts nearly all of the federal tax changes from July 2025, retroactive to January 1, 2025 (Idaho Capital Sun). Because Idaho starts from federal taxable income, the federal deductions also lower Idaho tax:

• Tips: qualified tips of up to $25,000 a year.
• Overtime: the extra half of time-and-a-half pay, up to $12,500 ($25,000 for joint filers).
• Seniors: an extra $6,000 for each person 65 or older, phased out at higher incomes.
• Car loan interest: up to $10,000 on a new U.S.-assembled car (not included in the calculator).

The deductions phase out above $150,000 of income ($300,000 joint) and run through 2028. A single worker with $40,000 in wages and $15,000 in tips pays only $1,005 in Idaho tax and takes home about $47,168 a year.

Federal taxes on every Idaho paycheck

Federal income tax depends on your income, filing status and the choices on your W-4. For 2026 the brackets run from 10% to 37% (IRS).

• Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 (SSA).
• Medicare: 1.45% of all wages. Employers also withhold an extra 0.9% on wages above $200,000 in a year.

Take-home pay examples in Idaho 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 $117,465 a year (21.7% in total taxes). With two children under 17, a couple earning $100,000 takes home about $86,040; in 2025 the Idaho child tax credit would have saved them another $410. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $42,321 a year, or $3,527 a month.

Idaho take-home pay compared with nearby states

On a $100,000 salary, a single filer keeps about $74,995 in Idaho, $74,730 in Utah, $71,332 in Oregon and $77,793 in Washington, which has no income tax but charges paid leave and WA Cares premiums. Compare with our Washington, Oregon and Utah paycheck calculators.

Live in Washington and work in Idaho, or the reverse? Idaho taxes wages earned in Idaho no matter where you live. Idaho residents who work in Washington pay no Washington income tax, but Idaho taxes all of a resident's income. Idaho residents who work in Oregon pay Oregon tax and get a credit on their Idaho return.

Paychecks in Boise, Meridian and Idaho Falls

Idaho has no city or county income tax, so the calculator gives the same result in Boise, Meridian, Nampa, Idaho Falls, Pocatello, Coeur d'Alene, Twin Falls and everywhere else in the state.

How bonuses, overtime and tips are taxed in Idaho

• Bonuses: Employers usually withhold a flat 22% federal tax and 5.3% Idaho tax on bonuses, plus Social Security and Medicare. Your real tax is settled when you file. On a $100,000 salary you keep about $6,505 of a $10,000 bonus. See the bonus tax calculator.
• Overtime: Idaho follows the federal rule: 1.5 times the regular rate for hours over 40 in a workweek. The overtime premium is deductible for both federal and Idaho tax through 2028. See the overtime calculator.
• Tips: Employers may pay tipped workers $3.35 an hour if tips bring them to at least $7.25. Qualified tips are deductible for both federal and Idaho tax.

How pre-tax deductions lower your Idaho taxes

Salary or hourly pay in Idaho

For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. Idaho's minimum wage is $7.25 an hour, the same as the federal minimum (U.S. Department of Labor). A single full-time worker on $7.25 earns $15,080, owes no Idaho income tax and takes home about $13,926 a year.

When you leave a job, Idaho employers must pay your final wages by the next regular payday or within 10 days (not counting weekends and holidays), whichever comes first, or within 48 hours if you ask in writing.

Why your actual paycheck may differ from this estimate

• This calculator estimates your tax for the full year. Employers withhold using the Idaho withholding tables and your ID W-4, so each check can be a little higher or lower. Idaho revised its tables in July 2026 after the child tax credit ended.
• The grocery credit, which refunds part of the sales tax on food, and the $10 permanent building fund tax are settled on your return.
• Payroll systems may not apply the tips and overtime deductions to withholding, so tipped and overtime workers may get a larger refund.
• Social Security stops once your wages pass $184,500, so late-year paychecks of high earners are larger.

How to increase your take-home pay in Idaho

• Check your withholding with the IRS Tax Withholding Estimator and update your W-4 and Idaho ID W-4 after a raise, a new job or a change in your family.
• Use pre-tax benefits such as a 401(k), HSA, FSA and commuter benefits. Each dollar saves federal tax and 5.3% Idaho tax.
• If you earn tips or overtime, keep records: the deductions now lower both your federal and Idaho tax.

How this calculator works

The calculator estimates your full-year tax and divides it by your pay periods. It uses the 2026 federal brackets and standard deduction (Rev. Proc. 2025-32, including the 2025 tax law changes), Idaho's 5.3% rate on federal taxable income above the 0% amount, the tips, overtime and senior deductions under HB 559, the 2025 Idaho child tax credit and the 2026 Social Security wage base. For joint filers, enter combined household wages. Results are estimates, not tax advice.

Last reviewed: October 29, 2026.