Calculate your take-home pay in the Sunshine State
Weekly
Bi-weekly
Semi-monthly
Monthly
Annually
Single
Married Filing Jointly
Head of Household
Estimated Paycheck Breakdown
Gross Pay (Period)
Federal Income Tax
Social Security (6.2%)
Medicare (1.45%)
FL State Income Tax
$0.00 (No Tax)
Net Take-Home Pay
Understanding Your Florida Paycheck
Florida is one of the most tax-friendly states in the U.S. Because the state constitution prohibits a state income tax, employees residing in Florida only need to account for federal taxes and FICA (Federal Insurance Contributions Act) withholdings. This typically results in a significantly higher net take-home pay compared to states like New York or California.
Key Components of the Calculation
Gross Pay: This is your total earnings before any taxes or deductions are removed. If you enter an annual salary, the calculator divides it by your pay frequency (e.g., 26 for bi-weekly).
Federal Income Tax: We use the 2024 IRS tax brackets to estimate this withholding. Your filing status (Single, Married, or Head of Household) significantly impacts how much federal tax is withheld.
FICA Tax: This consists of two parts:
Social Security: 6.2% of your gross pay up to the annual limit.
Medicare: 1.45% of your gross pay.
Realistic Example
Suppose you are a Single filer in Miami earning $60,000 annually paid monthly ($5,000 gross per month). Your calculation would look like this:
Gross Monthly: $5,000.00
Federal Withholding: ~$580.00
Social Security (6.2%): $310.00
Medicare (1.45%): $72.50
Florida State Tax: $0.00
Monthly Take-Home: ~$4,037.50
Pre-Tax vs. Post-Tax Deductions
Pre-tax deductions, such as contributions to a 401(k) or health insurance premiums, reduce your taxable income. For example, if you earn $5,000 and contribute $500 to a 401(k), the federal government only calculates income tax based on $4,500, saving you money in the long run.
function calculateFLPaycheck() {
var grossInput = parseFloat(document.getElementById('grossPay').value);
var frequency = parseFloat(document.getElementById('payFrequency').value);
var status = document.getElementById('filingStatus').value;
var preTax = parseFloat(document.getElementById('preTax').value) || 0;
if (isNaN(grossInput) || grossInput <= 0) {
alert("Please enter a valid gross pay amount.");
return;
}
// Convert everything to annual for logic, then back to period
var annualGross = (frequency === 1) ? grossInput : (grossInput * frequency);
var annualPreTax = (frequency === 1) ? preTax : (preTax * frequency);
var annualTaxable = annualGross – annualPreTax;
if (annualTaxable < 0) annualTaxable = 0;
// FICA Rates
var socSecRate = 0.062;
var medicareRate = 0.0145;
var ssLimit = 168600;
var annualSocSec = Math.min(annualGross, ssLimit) * socSecRate;
var annualMedicare = annualGross * medicareRate;
// Simplified 2024 Federal Tax Brackets (Standard Deduction)
var stdDed = 14600; // Single
if (status === 'married') stdDed = 29200;
if (status === 'head') stdDed = 21900;
var taxableIncome = annualTaxable – stdDed;
if (taxableIncome 609350) fedTax = 183647 + (taxableIncome – 609350) * 0.37;
else if (taxableIncome > 243725) fedTax = 52832 + (taxableIncome – 243725) * 0.35;
else if (taxableIncome > 191950) fedTax = 38389 + (taxableIncome – 191950) * 0.32;
else if (taxableIncome > 100525) fedTax = 16290 + (taxableIncome – 100525) * 0.24;
else if (taxableIncome > 47150) fedTax = 5384 + (taxableIncome – 47150) * 0.22;
else if (taxableIncome > 11600) fedTax = 1160 + (taxableIncome – 11600) * 0.12;
else fedTax = taxableIncome * 0.10;
} else if (status === 'married') {
if (taxableIncome > 731200) fedTax = 184500 + (taxableIncome – 731200) * 0.37;
else if (taxableIncome > 487450) fedTax = 99160 + (taxableIncome – 487450) * 0.35;
else if (taxableIncome > 383900) fedTax = 66024 + (taxableIncome – 383900) * 0.32;
else if (taxableIncome > 201050) fedTax = 32580 + (taxableIncome – 201050) * 0.24;
else if (taxableIncome > 94300) fedTax = 10768 + (taxableIncome – 94300) * 0.22;
else if (taxableIncome > 23200) fedTax = 2320 + (taxableIncome – 23200) * 0.12;
else fedTax = taxableIncome * 0.10;
} else { // Head of Household
if (taxableIncome > 609350) fedTax = 188812 + (taxableIncome – 609350) * 0.37;
else if (taxableIncome > 243700) fedTax = 57996 + (taxableIncome – 243700) * 0.35;
else if (taxableIncome > 191950) fedTax = 41436 + (taxableIncome – 191950) * 0.32;
else if (taxableIncome > 100500) fedTax = 18244 + (taxableIncome – 100500) * 0.24;
else if (taxableIncome > 63100) fedTax = 8320 + (taxableIncome – 63100) * 0.22;
else if (taxableIncome > 16550) fedTax = 1655 + (taxableIncome – 16550) * 0.12;
else fedTax = taxableIncome * 0.10;
}
// Convert back to per period
var periodGross = annualGross / frequency;
var periodFedTax = fedTax / frequency;
var periodSocSec = annualSocSec / frequency;
var periodMedicare = annualMedicare / frequency;
var periodPreTax = annualPreTax / frequency;
var periodNet = periodGross – periodFedTax – periodSocSec – periodMedicare – periodPreTax;
// Display Results
document.getElementById('resGross').innerText = "$" + periodGross.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resFedTax').innerText = "-$" + periodFedTax.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resSocSec').innerText = "-$" + periodSocSec.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resMedicare').innerText = "-$" + periodMedicare.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resNet').innerText = "$" + periodNet.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resultsArea').style.display = 'block';
}