Ky Paycheck Calculator

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Kentucky Paycheck Calculator

Calculate your net take-home pay in the Bluegrass State

Weekly Bi-weekly Semi-monthly Monthly
Single Married Filing Jointly
KY average ranges from 0% to 2.5%

Your Take-Home Estimate

Gross Pay per Period:
Federal Income Tax:
Social Security (6.2%):
Medicare (1.45%):
KY State Tax (4.0%):
Local Occupational Tax:
Estimated Net Pay:

Understanding the Kentucky Paycheck Calculation

Calculating your take-home pay in Kentucky involves several layers of taxation. Unlike many states with progressive tax brackets, Kentucky utilizes a flat tax system for state income, which simplifies the math but still requires attention to local and federal deductions.

Federal Income Tax Brackets

Federal taxes are calculated based on your taxable income after the standard deduction. For 2024, the standard deduction is $14,600 for single filers and $29,200 for those married filing jointly. The IRS uses a progressive system where rates range from 10% to 37%.

FICA Contributions

Regardless of where you live, most employees are subject to Federal Insurance Contributions Act (FICA) taxes:

  • Social Security: 6.2% of your gross wages (up to the annual wage limit).
  • Medicare: 1.45% of your gross wages.

Kentucky State and Local Taxes

Kentucky currently enforces a 4.0% flat income tax rate. Additionally, Kentucky is unique for its local occupational taxes. Depending on where you work (not necessarily where you live), you may be subject to a local tax that typically ranges from 0.5% to 2.5%. For example, Louisville and Lexington have their own specific rates that are deducted directly from your gross pay.

Example Calculation

If you earn $50,000 annually and live in a city with a 1% local tax rate:

  1. Gross Annual: $50,000
  2. KY State Tax (4%): $2,000
  3. Local Tax (1%): $500
  4. FICA (7.65%): $3,825
  5. Federal Tax (Est): Approximately $3,900 (depending on status)
  6. Total Net Annual: ~$39,775
function calculateKYPaycheck() { var grossAnnual = parseFloat(document.getElementById("grossAnnual").value); var payFreq = parseInt(document.getElementById("payFreq").value); var filingStatus = document.getElementById("filingStatus").value; var localTaxRate = parseFloat(document.getElementById("localTaxRate").value) / 100; if (isNaN(grossAnnual) || grossAnnual 609350) fedTax += (taxableIncome – 609350) * 0.37 + 183647; else if (taxableIncome > 243725) fedTax += (taxableIncome – 243725) * 0.35 + 55678.5; else if (taxableIncome > 191950) fedTax += (taxableIncome – 191950) * 0.32 + 39110.5; else if (taxableIncome > 100525) fedTax += (taxableIncome – 100525) * 0.24 + 17168.5; else if (taxableIncome > 47150) fedTax += (taxableIncome – 47150) * 0.22 + 5708; else if (taxableIncome > 11600) fedTax += (taxableIncome – 11600) * 0.12 + 1160; else fedTax += taxableIncome * 0.10; } else { if (taxableIncome > 731200) fedTax += (taxableIncome – 731200) * 0.37 + 177597; else if (taxableIncome > 487450) fedTax += (taxableIncome – 487450) * 0.35 + 92334.5; else if (taxableIncome > 383900) fedTax += (taxableIncome – 383900) * 0.32 + 59200; else if (taxableIncome > 201050) fedTax += (taxableIncome – 201050) * 0.24 + 35316; else if (taxableIncome > 94300) fedTax += (taxableIncome – 94300) * 0.22 + 11840; else if (taxableIncome > 23200) fedTax += (taxableIncome – 23200) * 0.12 + 2320; else fedTax += taxableIncome * 0.10; } // Kentucky Flat State Tax (4.0%) var stateTax = grossAnnual * 0.04; // FICA var socSec = Math.min(grossAnnual, 168600) * 0.062; var medicare = grossAnnual * 0.0145; // Local var localTax = grossAnnual * localTaxRate; // Breakdown per period var periodGross = grossAnnual / payFreq; var periodFed = fedTax / payFreq; var periodState = stateTax / payFreq; var periodSocSec = socSec / payFreq; var periodMed = medicare / payFreq; var periodLocal = localTax / payFreq; var periodNet = periodGross – periodFed – periodState – periodSocSec – periodMed – periodLocal; // Formatting document.getElementById("resGross").innerText = "$" + periodGross.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resFedTax").innerText = "-$" + periodFed.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resStateTax").innerText = "-$" + periodState.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resSocSec").innerText = "-$" + periodSocSec.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resMedicare").innerText = "-$" + periodMed.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resLocalTax").innerText = "-$" + periodLocal.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resNetPay").innerText = "$" + periodNet.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById("resultsArea").style.display = "block"; }

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