Quick answer
Florida paycheck basics
Florida does not collect a state income tax on wages, so a Florida paycheck has no state withholding line next to the federal one. Florida's constitution restricts the state's power to tax the income of its residents, and that is why employers in the state never have a state income tax to withhold. Whatever a worker earns and however they file, the state income tax line on the paycheck is $0.
Federal taxes are unchanged, though. Federal income tax, Social Security, and Medicare come out of every Florida paycheck exactly as they would in any other state, and how much depends on filing status, Form W-4 choices, pay frequency, and any pre-tax deductions taken first. This calculator applies the current federal withholding tables to a Florida paycheck so hourly and salaried workers can see take-home pay without state tax in the way. It also reflects the last step of Florida's phased minimum wage increase, which reaches $15.00 per hour on September 30, 2026.
How Florida taxes your paycheck
Florida taxes wages at the federal level only. There is no Florida personal income tax rate, bracket, standard deduction, or withholding table to apply, so the state income tax line on a Florida paycheck is always $0. No Florida version of Form W-4 exists, and no state income tax return is filed on wage income. Employers do pay a state reemployment tax that funds unemployment benefits; FloridaCommerce's employer pages describe employers filing reports and paying it, and this calculator does not take any reemployment tax out of an employee's paycheck. Everything withheld from a Florida paycheck is therefore federal: income tax under IRS Publication 15-T, Social Security, and Medicare, plus whatever deductions the worker elects, such as retirement contributions or health insurance premiums. The one Florida-specific figure worth knowing is the minimum wage. It follows a schedule approved by voters in November 2020, and it reaches $15.00 per hour on September 30, 2026, the final step of that schedule, so the hourly presets on this page start from $15.00.
Worked example
A $60,000 salary in Florida, single, paid biweekly
- Annual salary:
- $60,000
- Filing status:
- Single
- Pay frequency:
- Biweekly (26 paychecks/year)
- Deductions:
- None
- State:
- Florida
- Salary: +$2,307.69
- Federal income tax: −$193.08
- Social Security: −$143.08
- Medicare: −$33.46
Net pay per paycheck: $1,938.07
Computed with Florida's default withholding certificate (no allowances, no extra withholding) and no pre-tax or post-tax deductions. Your own paycheck will differ with different elections.
Take-home pay by salary in Florida
Net pay at five common salaries, biweekly, with no bonus, tips or deductions — computed the same way as the worked example above, for Single and Married Filing Jointly.
| Annual salary | Single — per paycheck | Single — annual | MFJ — per paycheck | MFJ — annual |
|---|---|---|---|---|
| $40,000 | $1,320.00 | $34,320.00 | $1,390.77 | $36,160.02 |
| $60,000 | $1,938.07 | $50,389.82 | $2,021.92 | $52,569.92 |
| $80,000 | $2,504.22 | $65,109.72 | $2,639.99 | $68,639.74 |
| $100,000 | $3,045.38 | $79,179.88 | $3,258.07 | $84,709.82 |
| $150,000 | $4,376.58 | $113,791.08 | $4,737.89 | $123,185.14 |
How to use this calculator
- Enter your pay. Choose salary or hourly, fill in the amount and hours, and pick how often you are paid.
- Fill in your federal Form W-4. Filing status, the Step 2 checkbox, and Steps 3 and 4 if they apply to you.
- Add any deductions. Traditional or Roth 401(k), health premiums, HSA, FSA, or other pre-tax and post-tax amounts taken from your pay.
- Read your results. Net pay per paycheck, the full breakdown by category, and any warnings about your specific numbers.
Formulas used
Net pay = gross pay − pre-tax deductions − federal tax − FICA − state tax ($0) − state payroll programs − local tax − post-tax deductions.
Florida vs. neighboring states
Net pay on a $75,000 salary, single, paid biweekly, in Florida compared with its bordering states.
| State | Net pay per paycheck | Net pay annual | Difference vs. Florida (annual) |
|---|---|---|---|
| Florida | $2,368.94 | $61,592.44 | — |
| Alabama | $2,248.69 | $58,465.94 | −$3,126.50 |
| Georgia | $2,253.79 | $58,598.54 | −$2,993.90 |
Frequently asked questions
How is federal income tax withheld from my paycheck calculated?+
Employers use the IRS Publication 15-T percentage method with the elections on your Form W-4: filing status, whether Step 2 is checked, Step 3 credits, and any Step 4 adjustments. That produces an amount to withhold each pay period before Social Security, Medicare, and any state or local tax are applied.
What is FICA and why is it withheld on every paycheck?+
FICA is Social Security tax (6.2% of wages up to the annual Social Security wage base) plus Medicare tax (1.45% of all wages, with an extra 0.9% on wages above $200,000 in a year). Both are withheld on every US paycheck regardless of which state you work in, because they fund federal programs rather than a state one.
Is the result on this calculator the same as my actual paycheck?+
It is an estimate for planning, not a substitute for your pay stub. Your actual withholding depends on the exact elections on file with your employer, your specific pay dates, and any mid-year changes to your deductions — the calculator applies the published federal and state formulas to the numbers you enter.
Does Florida have a state income tax on paychecks?+
No. Florida does not tax wages at the state level, so a Florida paycheck has no state income tax withholding line at any income level or filing status. Federal income tax, Social Security, and Medicare are still withheld.
Why does my Florida paycheck still show federal tax withheld?+
Florida not taxing income only removes the state withholding line. Every paycheck in every state, including Florida, still has federal income tax, Social Security, and Medicare withheld under the same IRS rules.
What is the minimum wage in Florida in 2026?+
It is $14.00 per hour until September 29, 2026, and $15.00 per hour from September 30, 2026, according to FloridaCommerce. That final step comes from a constitutional amendment Florida voters approved on November 3, 2020, which raised the minimum wage by $1.00 each September 30 until it reached $15.00.
When does Florida's minimum wage reach $15.00?+
On September 30, 2026. FloridaCommerce's schedule raised the rate to $14.00 on September 30, 2025 and raises it to $15.00 on September 30, 2026, ending the six-year climb that voters approved in 2020.
Is there a Florida state W-4 form?+
No. Because Florida has no state income tax on wages, there is no state withholding certificate. Only the federal Form W-4 affects the income tax shown on a Florida paycheck.
Do Florida employees pay for unemployment insurance out of their paycheck?+
This calculator takes nothing out of a Florida paycheck for it. FloridaCommerce's employer pages describe reemployment tax as a tax employers file and pay, and it is not shown as an employee deduction here.
Does living in Florida but working in another state change my state withholding?+
It can. Whether state tax is withheld depends on the state where the work is performed and that state's rules for nonresidents, not on Florida having no income tax. Check the other state's withholding requirements separately.
Are bonuses and commissions taxed differently in Florida?+
Not at the state level, because Florida has no state tax on wage income. Federally, supplemental wages such as bonuses are withheld at the flat 22% supplemental rate, and Social Security and Medicare still apply.
Does the Florida minimum wage apply to tipped workers?+
Florida's minimum wage applies to tipped workers too, but Florida sets a lower cash wage for them when tips make up the difference. This calculator has a separate tips field so you can include tip income in gross pay; check FloridaCommerce for the current tipped cash wage.
Which states border Florida, and how does their take-home pay compare?+
Florida borders Alabama and Georgia. The neighboring-state table on this page compares net pay on a $75,000 salary in Florida with each bordering state that has its own calculator page on this site.
Sources
- FloridaCommerce — Florida Minimum Wage
- FloridaCommerce — Reemployment Tax Information for Employers
- U.S. Department of Labor — State Minimum Wage Laws
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods
- IRS Publication 15 (2026), Employer's Tax Guide
- Social Security Administration — 2026 COLA Fact Sheet