# Florida Paycheck Calculator

Last updated October 21, 2026FreeNo signupFormula shown

Enter your pay, how often you are paid and your Form W-4 choices, and this Florida paycheck calculator shows your 2026 take-home pay, from the $15 minimum wage up to a six-figure salary. Florida withholds no state income tax, and the employer's cost is worked out right under the result.

State

FloridaNo wage taxFlorida taxes no wages, so nothing is withheld for the state.

I'm paid

SalaryHourly

Yearly salary (USD)

Pay frequencyWeekly (52 paychecks a year)Every two weeks (26 a year)Twice a month (24 a year)Monthly (12 a year)

Filing status on Form W-4Single or married filing separatelyMarried filing jointlyHead of household

Form W-4 steps 2 to 4

Step 2 box is checked

Two jobs with similar pay, or both spouses work.

Children under 17

Step 3: $2,200 each.

Other dependents

Step 3: $500 each.

Other income per year

Step 4(a).

Deductions per year

Step 4(b).

Extra withholding each paycheck (USD)

Step 4(c).

401(k), % of pay

2026 limit $24,500.

Health premiums per paycheck

Pre-tax.

HSA per paycheck

2026 limit $8,750.

Take-home pay per paycheck

$1,938.07

$2,307.69 gross · $369.62 withheld (16%)

teampredict.ai/tools/paycheck-calculator/florida

Where this paycheck goes

Gross pay

$2,307.69

Federal income taxW-4 methodIRS Publication 15-T (2026) percentage method, worked from your Form W-4 entries.

\- $193.08

Social Security6.2%To $184,500Social Security tax stops once your pay for the year reaches the $184,500 wage base.

\- $143.08

Medicare1.45%

\- $33.46

Additional Medicare0.9%Over $200,000Withheld on pay above $200,000 in a calendar year, whatever your filing status.

\- $0.00

Florida income taxNo wage taxFlorida taxes no wages, so nothing is withheld for the state.

\- $0.00

401(k)Pre-taxSkips federal income tax, but Social Security and Medicare still apply.

\- $0.00

Health premiumsPre-taxThrough a cafeteria plan, these skip income tax, Social Security and Medicare.

\- $0.00

HSA

\- $0.00

Take-home pay$1,938.07

Over the year, 26 paychecks

Gross pay

$60,000

Taxes

\- $9,610

Pre-tax deductions

\- $0

Share kept

84%

Take-home pay$50,390

Copy resultsCopy link

_Figure: Bar chart of the year's gross pay of $60,000. Federal income tax: $5,020; Social Security: $3,720; Medicare: $870; Florida income tax: $0; Take-home pay: $50,390._

_Figure: Line chart of yearly take-home pay against gross pay, from $0 to $100,000, with the same filing status and deductions as the calculator. The dashed line is gross pay. At $60,000 gross, take-home is $50,390._

## This pay costs the employer $64,821 a year, $2,493.12 each pay period.

What the employer adds, per year

Employer Social Security6.2% to $184,500

$3,720

Employer Medicare1.45%

$870

Federal unemployment (FUTA)0.6% of the first $7,000No credit cut6.0% less a 5.4% credit. The Labor Department's September 2026 list of states that may lose part of that credit names only California and the Virgin Islands.

$42

Florida unemployment2.7% of the first $7,000New employer rateA new Florida employer pays a reemployment tax of 2.7% on the first $7,000 of each employee's pay.

$189

Employer taxes$4,821

Total cost of the employee

Gross pay

$60,000

Employer taxes

\+ $4,821

Per pay periodYearly averageUnemployment taxes stop at their wage bases, so the first paychecks of the year cost more than the last.

$2,493.12

Per year$64,821

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## Florida takes no income tax out of your paycheck.

The Florida Department of Revenue says it in one line: the State of Florida does not have a personal income tax. Its brochure for new residents adds that Florida also has no inheritance tax, no gift tax and no tax on intangible personal property. A Florida pay stub therefore shows federal income tax withholding, Social Security and Medicare, and then whatever you set aside before tax.

## Florida's minimum wage is $15.00 an hour from September 30, 2026.

Florida voters approved a constitutional amendment on November 3, 2020 that raised the minimum wage each year until it reached $15.00 in September 2026. The Florida Department of Commerce says the $15.00 rate runs from September 30, 2026 to December 31, 2027. Working 40 hours a week for 52 weeks at that wage grosses $31,200 a year. Paid weekly, a single employee on a standard Form W-4 takes home $524.02 of the $600.00 gross each week: $30.08 goes to federal income tax, $37.20 to Social Security and $8.70 to Medicare.

## A week with 6 overtime hours at $15 an hour takes home $632.49.

Federal law requires overtime at not less than time and one-half the regular rate for hours over 40 in a workweek, so each of those 6 hours pays $22.50. The week grosses $735.00: $600.00 for 40 regular hours plus $135.00 of overtime. Overtime is taxed as ordinary pay, with no state tax to take a share in Florida.

_Figure: Bar chart for a single employee paid $15 an hour for 40 regular and 6 overtime hours a week, paid weekly, paid 52 times a year. Federal income tax: $2,407 · 6.3%; Social Security: $2,370 · 6.2%; Medicare: $554 · 1.5%; Florida income tax: $0 · 0%; Take-home pay: $32,889 · 86.1%._

A single employee paid $15 an hour for 40 regular and 6 overtime hours a week, paid weekly. Invented example. Each tax is rounded to the cent in every paycheck, as payroll does.

_Figure: Bar chart of one week of pay at $15.00 an hour, single, paid weekly, for 40 hours: $600.00 gross, $524.02 take-home; 46 hours: $735.00 gross, $632.49 take-home; 52 hours: $870.00 gross, $740.96 take-home._

Invented example at $15.00 an hour. Hours over 40 are paid at time and one-half.

The [overtime calculator](https://www.teampredict.ai/tools/overtime-calculator) shows the gross side of the same hours, and the [hourly to salary calculator](https://www.teampredict.ai/tools/hourly-to-salary-calculator) turns a rate into a yearly figure.

## A new Florida employer pays reemployment tax of 2.7% on the first $7,000 of each employee's pay.

Florida calls its unemployment tax reemployment tax, and the Department of Revenue collects it. The initial rate for a new employer is 2.7% and stays in place until the employer has reported for 10 quarters, after which the benefits charged to the account set the rate. For wages paid in 2026 the rate can run from 0.1% ($7 per employee) to 5.4% ($378 per employee). Add 0.6% federal unemployment tax on the first $7,000 ($42) and the employer's match of Social Security and Medicare, and the employee in the example above costs $41,375 a year on $38,220 of gross pay.

_Figure: Bar chart of the employer's taxes on an employee paid $15 an hour for 46 hours a week: Employer Social Security $2,370; Employer Medicare $554; Florida unemployment $189; Federal unemployment (FUTA) $42. Together $3,155, for a total cost of $41,375 a year._

An employee paid $15 an hour for 46 hours a week. Florida unemployment is the 2026 new-employer rate of 2.7% on the first $7,000.

## Take-home pay in Florida runs from $34,321 on $40,000 to $113,791 on $150,000.

Take-home pay in Florida for a single employee on a standard Form W-4, paid every week, with no pre-tax deductions.

Salary

Federal tax

Social Security and Medicare

Take-home a year

Every week

$40,000

$2,620

$3,060

$34,321

$660.01

$50,000

$3,820

$3,825

$42,355

$814.52

$60,000

$5,020

$4,590

$50,390

$969.04

$75,000

$7,670

$5,737

$61,593

$1,184.48

$100,000

$13,170

$7,650

$79,180

$1,522.70

$150,000

$24,734

$11,475

$113,791

$2,188.29

## Methodology & sources

The formula this calculator uses is shown in full above, and every assumption is an input you control. There are no hidden industry presets. All math runs in your browser; nothing you enter is stored or sent to a server. For the reasoning behind the formula and its edge cases, see:

-   [IRS Publication 15-T (2026): Federal Income Tax Withholding Methods, Percentage Method Tables for Automated Payroll Systems](https://www.irs.gov/pub/irs-pdf/p15t.pdf)
-   [IRS Publication 15 (2026), Employer's Tax Guide: Social Security wage base of $184,500, Medicare, FUTA, 401(k) and cafeteria plan treatment](https://www.irs.gov/pub/irs-pdf/p15.pdf)
-   [IRS Form W-4 (2026): Step 3 credits of $2,200 and $500](https://www.irs.gov/pub/irs-pdf/fw4.pdf)
-   [IRS Topic 751: Social Security and Medicare withholding rates, Additional Medicare Tax over $200,000](https://www.irs.gov/taxtopics/tc751)
-   [IRS Instructions for Form 940: FUTA tax of 6.0% less a credit of up to 5.4%, on the first $7,000](https://www.irs.gov/instructions/i940)
-   [U.S. Department of Labor: FUTA credit reductions, potential 2026 list (California and the Virgin Islands)](https://oui.doleta.gov/unemploy/futa_credit.asp)
-   [IRS: 401(k) limit of $24,500 for 2026](https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500)
-   [IRS Rev. Proc. 2025-19: 2026 HSA limits of $4,400 and $8,750](https://www.irs.gov/pub/irs-drop/rp-25-19.pdf)
-   [U.S. Department of Labor, Fact Sheet #23: overtime at time and one-half over 40 hours in a workweek](https://www.dol.gov/agencies/whd/fact-sheets/23-flsa-overtime-pay)
-   [Florida Department of Revenue: the State of Florida does not have a personal income tax](https://floridarevenue.com/taxes/compliance/Pages/violations.aspx)
-   [Florida Department of Revenue: Tax Information for New Residents (GT-800025)](https://floridarevenue.com/Forms_library/current/brochure/gt800025.pdf)
-   [Florida Department of Revenue: Reemployment Tax Rate Information (new employers 2.7%, 2026 minimum 0.1%)](https://floridarevenue.com/taxes/taxesfees/Pages/rt_rate.aspx)
-   [Florida Department of Revenue: Reemployment Tax (first $7,000 of wages)](https://floridarevenue.com/taxes/taxesfees/Pages/reemployment.aspx)
-   [Florida Department of Commerce: Florida Minimum Wage ($15.00 from September 30, 2026)](https://floridajobs.org/florida-minimum-wage)

## Frequently asked questions

Does Florida have a state income tax?

No. The Florida Department of Revenue states that the State of Florida does not have a personal income tax. Nothing is withheld from your paycheck for the state, only federal income tax, Social Security and Medicare, plus anything you set aside before tax.

What is the minimum wage in Florida in 2026?

$15.00 an hour from September 30, 2026 to December 31, 2027, according to the Florida Department of Commerce. A full-time worker at that wage, 40 hours a week for 52 weeks, grosses $31,200 and takes home $524.02 a week when paid weekly, as a single employee on a standard Form W-4.

How much is $50,000 a year after tax in Florida?

For a single employee on a standard Form W-4 who is paid every two weeks, $50,000 takes home $1,629.05 a paycheck, or $42,355.22 a year. The year's taxes are $3,819.92 of federal income tax, $3,099.98 of Social Security and $724.88 of Medicare.

How is overtime paid and taxed in Florida?

Federal law requires time and one-half the regular rate for hours over 40 in a workweek, and overtime is taxed as part of your pay. At $20 an hour with 40 regular and 5 overtime hours, a week grosses $950.00 and takes home $805.24 for a single employee paid weekly, with $72.08 of federal income tax withheld.

What do health insurance premiums do to my Florida paycheck?

Premiums taken through an employer cafeteria plan are left out of federal income tax, Social Security and Medicare wages. On a $50,000 salary, a $100 premium each paycheck lowers take-home pay by only $80.35, because the tax on that $100 is not paid.

Who pays reemployment tax in Florida?

The employer. Florida calls its unemployment tax reemployment tax, and the Department of Revenue collects it. A new employer pays 2.7% on the first $7,000 of each employee's pay, which is $189 a year per employee at that wage. In 2026 the rates run from 0.1% to 5.4%.

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## Keep reading

[Texas Paycheck Calculator The same 2026 paycheck math for Texas, with its payday law and its 2.70% employer unemployment tax. Read more](https://www.teampredict.ai/tools/paycheck-calculator/texas)

[Overtime Calculator Time and a half on every hour over 40, worked out from your hourly rate. Read more](https://www.teampredict.ai/tools/overtime-calculator)

[Hourly to Salary Calculator Turn an hourly wage into a yearly salary and paycheck figures, or a salary back into an hourly rate. Read more](https://www.teampredict.ai/tools/hourly-to-salary-calculator)