# Ohio Paycheck Calculator

Last updated October 21, 2026FreeNo signupFormula shown

Enter your pay, how often you are paid, and the exemptions on your Form W-4 and Ohio Form IT 4, and this Ohio paycheck calculator shows your 2026 take-home pay. It follows the Department of Taxation's withholding formula in effect since August 1, 2026, and works out the employer's side of the bill under it.

State

OhioHow it is figuredOhio withholds 1.6% of the first $26,050 of a year's pay, 2.99% of the next $73,950 and 3.4% of the rest, after $650 for each exemption on your Form IT 4.

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

Ohio withholding

Exemptions on Form IT 4 (line 4)

$650 of pay each year is left untaxed per exemption: you, a spouse who files with you, and each dependent.

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

$1,883.74

$2,307.69 gross · $423.95 withheld (18.4%)

teampredict.ai/tools/paycheck-calculator/ohio

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

Ohio income taxState methodOhio withholds 1.6% of the first $26,050 of a year's pay, 2.99% of the next $73,950 and 3.4% of the rest, after $650 for each exemption on your Form IT 4.

\- $54.33

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$1,883.74

Over the year, 26 paychecks

Gross pay

$60,000

Taxes

\- $11,023

Pre-tax deductions

\- $0

Share kept

81.6%

Take-home pay$48,977

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; Ohio income tax: $1,413; Take-home pay: $48,977._

_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 $48,977._

## This pay costs the employer $64,889 a year, $2,495.71 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

Ohio unemployment2.85% of the first $9,000New employer rateA new Ohio employer pays 2.85% in 2026 on the first $9,000 of each employee's pay (5.85% in construction), and the state says its 0.15% technology and customer service fee is included in the annual rates.

$257

Employer taxes$4,889

Total cost of the employee

Gross pay

$60,000

Employer taxes

\+ $4,889

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

$2,495.71

Per year$64,889

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## Ohio withholds 1.6%, 2.99% and 3.4% of a year's pay, after $650 for each exemption on your IT 4.

Since August 1, 2026 the Department of Taxation's formula has three steps. Your employer multiplies your pay for the period by the number of pay periods in a year, takes $650 off for each exemption on your Form IT 4, and taxes the rest: 1.6% of the first $26,050, 2.99% of the next $73,950, and 3.4% of everything above $100,000. The year's tax is then divided by the pay periods. Nothing depends on your filing status: the exemptions you claim are the whole difference between two workers on the same pay.

## A $60,000 Ohio salary takes home $1,883.74 every two weeks.

The calculator opens on this case: a single employee with 1 exemption on the IT 4 and a standard Form W-4, paid every two weeks, with no pre-tax deductions.

-   Gross pay: $60,000 ÷ 26 = $2,307.69
-   Federal income tax: $193.08
-   Ohio income tax: $60,000 − $650 = $59,350 taxed, which is $416.80 on the first $26,050 and $995.67 on the rest, $1,412.47 ÷ 26 = $54.33
-   Social Security: 6.2% × $2,307.69 = $143.08; Medicare: 1.45% = $33.46
-   Take-home pay: $1,883.74 a paycheck, $48,977.30 a year

_Figure: Bar chart for a single employee on a $60,000 salary, paid every two weeks, with 1 exemption, paid 26 times a year. Federal income tax: $5,020 · 8.4%; Social Security: $3,720 · 6.2%; Medicare: $870 · 1.4%; Ohio income tax: $1,413 · 2.4%; Take-home pay: $48,977 · 81.6%._

A single employee on a $60,000 salary, paid every two weeks, with 1 exemption. Invented example. Each tax is rounded to the cent in every paycheck, as payroll does.

## Each exemption on the IT 4 keeps $650 of pay from tax, which is worth $0.74 a paycheck here.

At this pay the taxable amount sits in the 2.99% band, so each exemption saves $650 × 2.99%, about $19 a year, which is $0.74 on a biweekly paycheck. A second exemption saves the same again, for a spouse with no income or a dependent. Below $26,050 of taxable pay an exemption is worth only 1.6% of $650, and above $100,000 it is worth 3.4%.

_Figure: Bar chart of the Ohio income tax withheld from one biweekly paycheck on a $60,000 salary, single, with 0 exemptions: $55.07; 1 exemptions: $54.33; 2 exemptions: $53.58; 3 exemptions: $52.83; 5 exemptions: $51.34._

Invented example: a $60,000 salary, single, paid every two weeks. Each exemption is $650 of pay a year.

## Ohio takes out a 401(k), a health plan and an HSA before it taxes your pay.

Ohio follows the federal definition of compensation, so the amounts that skip federal income tax skip Ohio tax too. A 401(k) deferral of 6% on the $60,000 example is $138.46 a paycheck, and it lowers Ohio withholding by $4.14. Social Security and Medicare still apply to a 401(k) deferral, but not to health premiums or an HSA contribution made through a cafeteria plan. City income tax is the exception: Ohio cities tax the pay including 401(k) deferrals.

_Figure: Bar chart of the tax withheld from one biweekly paycheck on a $60,000 salary, single: Federal tax, no 401(k): $193.08; Federal tax, 6% 401(k): $176.46; Ohio tax, no 401(k): $54.33; Ohio tax, 6% 401(k): $50.19._

Invented example: a $60,000 salary, single, paid every two weeks. 6% of pay is $138.46 a paycheck.

## Hiring that employee costs $64,889 a year in Ohio.

On top of the $60,000, the employer matches Social Security and Medicare at 6.2% and 1.45%, which is $4,590. It pays federal unemployment tax of 0.6% on the first $7,000, which is $42; Ohio is not on the Labor Department's list of states with a 2026 credit reduction. A new Ohio employer pays unemployment tax at 2.85% on the first $9,000 of pay, which is $256.50 a year per employee.

_Figure: Bar chart of the employer's taxes on an employee on a $60,000 salary: Employer Social Security $3,720; Employer Medicare $870; Ohio unemployment $257; Federal unemployment (FUTA) $42. Together $4,889, for a total cost of $64,889 a year._

An employee on a $60,000 salary. Ohio unemployment is the 2026 new-employer rate of 2.85% on the first $9,000.

## Take-home pay in Ohio runs from $33,505 on $40,000 to $109,485 on $150,000.

For a single employee with 1 exemption, paid every two weeks. Switch the table to weekly pay if you are paid every week. To see how a state with a flat rate compares, try the [Michigan paycheck calculator](https://www.teampredict.ai/tools/paycheck-calculator/michigan).

Take-home pay in Ohio for a single employee on a standard Form W-4, paid every two weeks, with no pre-tax deductions. Ohio taxes are its income tax.

Salary

Federal tax

Social Security and Medicare

Ohio taxes

Take-home a year

Every two weeks

$40,000

$2,620

$3,060

$815

$33,505

$1,288.67

$50,000

$3,820

$3,825

$1,114

$41,242

$1,586.22

$60,000

$5,020

$4,590

$1,413

$48,977

$1,883.74

$75,000

$7,670

$5,738

$1,861

$59,731

$2,297.36

$100,000

$13,170

$7,650

$2,609

$76,571

$2,945.05

$150,000

$24,734

$11,475

$4,306

$109,485

$4,210.97

## 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)
-   [Ohio Department of Taxation: Employer Withholding Taxes, Optional Computer Formula (Effective August 1, 2026)](https://dam.assets.ohio.gov/image/upload/tax.ohio.gov/employer_withholding/2026%20Withholding%20Tables/WHT_OptionalComputerFormula_2026.pdf)
-   [Ohio Department of Taxation: Employer Withholding Taxes, Percentage Method and weekly to monthly tables (Effective August 1, 2026)](https://dam.assets.ohio.gov/image/upload/tax.ohio.gov/employer_withholding/2026%20Withholding%20Tables/WHT_PercentageMethod_2026.pdf)
-   [Ohio Department of Taxation: New Ohio Withholding Rates Effective August 1, 2026 (payrolls that end on or after that date)](https://content.govdelivery.com/accounts/OHTAX/bulletins/420a1ea)
-   [Ohio Department of Taxation: Form IT 4 (Rev. 01/24), Employee's Withholding Exemption Certificate](https://dam.assets.ohio.gov/image/upload/tax.ohio.gov/forms/employer_withholding/generic/wth-it4-combined-fi.pdf)
-   [Ohio Department of Taxation: Employer Withholding FAQ, Taxability (Ohio conforms to the federal definition of compensation)](https://tax.ohio.gov/help-center/faqs/employer-withholding-taxability)
-   [Ohio Department of Taxation: 2026 Ohio Employer and School District Withholding Tax Filing Guidelines (IT 4, school district tax, reciprocity)](https://dam.assets.ohio.gov/image/upload/tax.ohio.gov/employer_withholding/2025-2026%20NYP%20Updates/2026_OH_Employer_School_District_Withholding_Tax_Filing_Guidelines.pdf)
-   [Ohio Department of Taxation: Employer Withholding (the state withholding rate on bonuses is 2.75%)](https://tax.ohio.gov/employer-withholding)
-   [Ohio Revised Code section 718.03: municipal income tax withheld from qualifying wages](https://codes.ohio.gov/ohio-revised-code/section-718.03)
-   [City of Columbus: Instructions for Form IT-11 (qualifying wages are Medicare wages less Section 125 amounts; Columbus withholding is 2.5%)](https://www.columbus.gov/files/sharedassets/city/v/2/city-auditor/tax-forms/employers/2025-it-11-instructions.pdf)
-   [Ohio Department of Job and Family Services: Contribution Rates, calendar year 2026 (new employer rate 2.85%, construction 5.85%, wage base $9,000)](https://jfs.ohio.gov/page/CAJM.hl56rs7cilxWeGzd)
-   [Ohio Department of Job and Family Services: Taxable Wage Base (the first $9,000 of each employee's wages a year)](https://jfs.ohio.gov/page/e4e5a29350d82c27dd798)

## Frequently asked questions

How does Ohio work out the income tax taken from my paycheck?

The Department of Taxation's optional computer formula annualizes your pay (the pay for the period times the pay periods in a year), subtracts $650 for each exemption on your Form IT 4, and taxes the rest at 1.6% up to $26,050, 2.99% from there to $100,000 and 3.4% above that. The year's tax is divided by the pay periods. For a $60,000 salary with 1 exemption, the taxable pay is $59,350, which is $416.80 on the first $26,050 plus $995.67 on the rest, $1,412.47 in all, or $54.33 every two weeks.

How much is $60,000 a year after tax in Ohio?

For a single employee who claims 1 exemption on the IT 4 and is paid every two weeks, a $60,000 salary takes home $1,883.74 a paycheck, or $48,977.30 a year. The year's taxes are $5,020.08 of federal income tax, $1,412.58 of Ohio income tax, $3,720.08 of Social Security and $869.96 of Medicare.

How much is $20 an hour after tax in Ohio?

At 40 hours a week and weekly pay, $20 an hour is $800.00 gross and $668.14 take-home a week for a single employee with 1 exemption. That is $54.08 of federal income tax, $16.58 of Ohio income tax, $49.60 of Social Security and $11.60 of Medicare. Switch the calculator to hourly and type your own hours, including overtime.

What do the lines on the Ohio IT 4 mean?

Line 1 is 1 for you unless someone else can claim you as a dependent, when it is 0. Line 2 is 1 if you are married and file with your spouse, and 0 if you are single or you and your spouse file separate Ohio returns. Line 3 is one for each dependent, the same people as on your federal return. Line 4 is the total, and each exemption is worth $650 of pay a year. If you give your employer no IT 4, Ohio says to withhold as if you claimed none. On the $60,000 example, 0 exemptions withhold $55.07 a paycheck against $54.33 with 1 and $53.58 with 2.

Did Ohio's withholding change in 2026?

Yes. After House Bill 96 cut the 2026 income tax rates, the Department of Taxation issued new withholding tables and a new computer formula for payrolls that end on or after August 1, 2026. The top rate in them is 3.4%, down from 3.64% in the tables effective October 1, 2025, and the lowest is 1.6%, down from 1.775%. This calculator uses the August 2026 formula. The Department's page gives 2.75% as the state withholding rate on bonuses and other supplemental pay, which this calculator does not apply: it treats all pay as regular pay.

Does this include Ohio school district and city income tax?

No, this calculator takes only the state income tax and the federal taxes. Ohio employers also withhold a school district income tax for an employee who lives in a taxing school district, and a municipal income tax for the city where the employee works, which is a flat rate on qualifying wages (Medicare wages less cafeteria plan amounts) with no exemptions. Columbus, for example, withholds 2.5%. Your pay stub shows the city rate, and the Department of Taxation's Finder looks up your school district.

What does a 401(k), an HSA or a health plan do to my Ohio paycheck?

Ohio follows the federal definition of compensation, so a 401(k) deferral, health premiums through a cafeteria plan and HSA contributions through one all come out before Ohio tax, as they do federally. Putting 6% of a $60,000 salary into a 401(k) ($138.46 a paycheck) cuts Ohio withholding by $4.14 and take-home pay by only $117.70. A $100 HSA contribution a paycheck cuts Ohio withholding by $2.99. City income tax is different: it counts 401(k) deferrals.

Who pays unemployment tax in Ohio, and how much is it?

The employer does, to the Department of Job and Family Services. A new Ohio employer pays 2.85% in 2026 (5.85% in construction) on the first $9,000 of each employee's pay, and the Department says its 0.15% technology and customer service fee is included in the annual rates. That is $256.50 a year per employee at a $60,000 salary.

I live in Indiana, Kentucky, Michigan, Pennsylvania or West Virginia and work in Ohio. Does Ohio withhold from me?

No, if you tell your employer on the IT 4. Ohio has reciprocity with those five states: Ohio does not withhold from their residents who work in Ohio, and their home state taxes the pay. This calculator withholds as if the employee has no such exemption.

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## Keep reading

[Michigan Paycheck Calculator The neighbor to the north: a flat 4.25% after $5,900 for each exemption, with city income tax named separately. Read more](https://www.teampredict.ai/tools/paycheck-calculator/michigan)

[Pennsylvania Paycheck Calculator A flat 3.07% with no allowances, and a state tax that applies to 401(k) deferrals too. Read more](https://www.teampredict.ai/tools/paycheck-calculator/pennsylvania)

[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)