Florida Paycheck Calculator
Find your exact take-home pay working in Florida. As one of only nine states with zero personal income tax, your Florida paycheck skips an entire layer of state withholding — see precisely what federal tax, Social Security, and Medicare take out instead.
💡 What If My Salary Changes?
Drag the slider to instantly see how a raise or pay cut affects your Florida take-home pay.
How the Florida Paycheck Calculator Works
Florida is one of just nine U.S. states that collects no personal income tax — a protection written directly into the state constitution, which would require a supermajority vote to overturn. Instead of taxing wages, Florida funds its budget through sales tax, tourism-related revenue, and property tax. For employees, that means a Florida paycheck calculator skips an entire layer of withholding that workers in states like California or New York have to account for. What’s left to estimate is purely federal income tax, Social Security, and Medicare — which is exactly what this Florida salary calculator does for you in real time.
What Florida Employees Should Know
- No state income tax — Florida’s constitution bars a personal income tax, and changing that requires a supermajority vote of the legislature.
- No local income taxes either — no Florida city or county, including Miami, Orlando, Tampa, or Jacksonville, adds its own wage tax on top of the state’s $0.
- Minimum wage is rising — Florida’s minimum wage moves from $14.00 to $15.00 per hour on September 30, 2026, the final step in its multi-year, voter-approved schedule. Tipped employees typically earn a lower direct cash wage plus tips.
- Federal withholding and FICA still apply — Social Security (6.2% up to the 2026 wage base of $184,500) and Medicare (1.45%, plus a 0.9% surtax above $200,000/$250,000) are deducted regardless of which state you work in.
- Pre-tax contributions still help — 401(k), HSA, and other pre-tax deductions lower your federal taxable income, which is the only income-tax layer Florida workers need to manage.
| Deduction | Rate | Applies To |
|---|---|---|
| Federal Income Tax | 10%–37% | Taxable income after deductions |
| Florida State Income Tax | 0% | None — Florida levies no personal income tax |
| Social Security | 6.2% | Wages up to $184,500 (2026 wage base) |
| Medicare | 1.45% | All earned income |
| Additional Medicare Tax | 0.9% | Income above $200,000 (single) / $250,000 (married) |
| Florida Reemployment Tax | 0.10%–5.4% | Employer-paid only — never deducted from your paycheck |
Frequently Asked Questions
Does Florida have a state income tax?
No. Florida is one of nine U.S. states with no personal state income tax. The Florida Constitution prohibits an income tax, and changing this would require a supermajority vote.
How much is taken out of a Florida paycheck?
Since there’s no state withholding, your paycheck is reduced only by federal income tax, Social Security (6.2%), and Medicare (1.45%, plus 0.9% Additional Medicare Tax above $200,000 for single filers).
What is Florida’s minimum wage in 2026?
Florida’s minimum wage is $14.00 per hour through September 29, 2026, and rises to $15.00 per hour starting September 30, 2026, the final step in the state’s voter-approved phased schedule. Always confirm with the latest official Florida notice for tipped and local rates.
Why is my Florida paycheck bigger than in other states?
Because Florida charges 0% state income tax, employees keep more of every dollar earned compared to states with progressive income tax brackets, such as California or New York, where state withholding can take an additional several percentage points.
Do Florida employees still pay Social Security and Medicare?
Yes. Social Security (6.2%) and Medicare (1.45%) are federal payroll taxes that apply in every U.S. state, including Florida, regardless of the absence of state income tax.
How does a 401(k) affect take-home pay in Florida?
Because Florida has no state income tax, 401(k) and other pre-tax contributions only reduce your federal taxable income — there’s no separate state-level tax benefit to calculate, unlike in income-tax states.
Is overtime taxed differently in Florida?
No. Overtime pay is taxed the same as regular wages for federal income tax and FICA purposes. Florida follows federal Fair Labor Standards Act (FLSA) rules, requiring 1.5x pay for hours worked over 40 in a week.
How accurate is this Florida paycheck calculator?
This tool uses 2026 federal tax brackets, standard deductions, and FICA rates to provide a close estimate of take-home pay. Actual withholding can vary slightly based on employer payroll setup, benefits, and your W-4 elections.
Related Paycheck Calculators
Compare take-home pay across other states using our full paycheck calculator suite:
This calculator provides estimates based on 2026 federal tax brackets, standard deductions, and FICA rates for general informational purposes only. Florida levies no state personal income tax, so no state withholding is included. This tool does not constitute tax or financial advice. Consult a licensed tax professional or payroll specialist for guidance specific to your situation.