Florida Paycheck Calculator
Reviewed Sep 24, 2026 IRS Pub 15-T 2026, Florida Constitution How we verify
Not a substitute for the advice of an attorney. General information; laws vary by state. Terms of use
Florida paycheck calculator for tax year 2026: take-home pay and what the employer pays, per paycheck and per year. Florida's constitution caps any tax on the income of residents at what could be credited against a federal or other state tax, and the state levies none (Constitution of the State of Florida, Article VII, Section 5(a)), so a Florida paycheck shows federal income tax, Social Security and Medicare only. Figures checked on September 24, 2026; the result is an estimate, not tax advice.
Take-home pay and employer cost
Example: $2,000.00 gross pay per paycheck, paid every two weeks (26 paychecks a year), single, with the default Form W-4 entries below
Take-home pay
$1,690.85 per paycheck
$43,962.10 per year
| Line | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,000.00 | $52,000.00 |
| Federal income tax withholding | $156.15 | $4,059.90 |
| Social Security | $124.00 | $3,224.00 |
| Medicare | $29.00 | $754.00 |
| Take-home pay | $1,690.85 | $43,962.10 |
What the employer pays
$2,219.00 per paycheck
$56,209.00 per year
| Line | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,000.00 | $52,000.00 |
| Social Security (employer match) | $124.00 | $3,224.00 |
| Medicare (employer match) | $29.00 | $754.00 |
| Federal unemployment (FUTA) | $12.00 | $42.00 |
| State unemployment (new-employer rate) | $54.00 | $189.00 |
| Total employer cost | $2,219.00 | $56,209.00 |
Sources: IRS Pub 15-T 2026 and Florida Constitution, checked September 24, 2026. Estimate for tax year 2026. Not tax advice.
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How Florida taxes a paycheck
No Florida income tax is withheld (Constitution of the State of Florida, Article VII, Section 5(a)), so the estimate starts from federal income tax withholding under the IRS Publication 15-T percentage method, Social Security and Medicare. Social Security takes 6.2% of wages up to $184,500 a year and Medicare 1.45% of all wages (plus 0.9% on wages above $200,000 a year), and the employer pays Social Security and Medicare again at the same rates (Publication 15 (2026), (Circular E), Employer's Tax Guide). The oldest Florida document behind these figures was checked on September 24, 2026.
Florida's rule sits in Article VII of the state constitution. Instead of banning an income tax in so many words, it forbids any state tax on the income of natural persons above the amount that could be credited against a similar federal or other state tax. Because no such federal credit exists for a state income tax, the practical result is that Florida levies no personal income tax at all.
For a Florida worker, that means no state withholding certificate, no state allowances and no state line on the pay stub. The only certificate that matters is the federal Form W-4, and the only income tax taken from pay is federal. Retirees who move to Florida see the same treatment for pensions, since the state taxes no personal income of any kind.
Nothing is deducted for Florida in this estimate, so the gap between gross pay and net pay is the federal withholding, Social Security, Medicare and whatever the employee puts into pre-tax benefits such as a retirement plan or a cafeteria plan for health coverage.
Florida employers do pay one state payroll tax, but it never comes out of the worker's check. What most states call unemployment insurance tax is named the reemployment assistance tax in Florida (Florida Revenue Estimating Conference, 2025 Florida Tax Handbook (Office of Economic and Demographic Research)); it is set by law in the unemployment chapter of the statutes and collected by the Department of Revenue.
Florida sets its own minimum wage in Article X of the state constitution, above the federal floor. For most of the tax year the state rate is $14 an hour, and the constitutional schedule lifts it to $15 an hour at the end of September, after which the rate is adjusted each year for inflation. A minimum wage paycheck in Florida therefore starts from a higher gross than in states that rely on the federal minimum, while the deductions stay limited to federal withholding, Social Security and Medicare (Office of the State Attorney, Fourteenth Judicial Circuit: Florida minimum wage notice 2025-2026; Constitution of the State of Florida, Article X, Section 24).
The employer's side in Florida
A Florida employer pays the employer share of Social Security and Medicare, federal unemployment tax after the full state credit, and the Florida reemployment assistance tax on each employee's wages up to the state's taxable wage base. The Department of Revenue collects the reemployment tax under an agreement with the Department of Commerce, which runs the benefit program. New employers start at the rate shown in the employer column of this calculator.
A new Florida employer pays the reemployment tax at the initial rate set by statute (Florida Statutes (2026), Section 443.131) until its account has been chargeable with benefits long enough to earn a rate based on its own claims history. The tax applies to each employee's wages until they pass $7,000 in a calendar year, which a full time worker reaches early in the year, so most of the employer's reemployment cost falls in the first quarter.
Every employer also owes federal unemployment tax (FUTA): 6% on the first $7,000 of each employee's wages a year. With the full 5.4% credit for state unemployment tax paid on time, the net rate is 0.6%, at most $42 per employee a year (IRS Topic no. 759, Form 940, Employer's Annual Federal Unemployment (FUTA) Tax Return).
In Florida, a new employer pays state unemployment tax at 2.7% on the first $7,000 of each employee's wages a year (U.S. DOL, Office of Unemployment Insurance: Significant Provisions of State Unemployment Insurance Laws, effective July 2026). Later the rate follows the employer's own record, so the line in the result is the starting cost, not a fixed one.
Payday and final pay rules in Florida
The Florida payday and final pay rules are pending on the Desk: their sources are listed on the Florida employment rules page.
The full Florida rules, with each law quoted: Florida employment rules. The date a final paycheck is due for a given last day: final paycheck calculator.
Worked examples
Three pay levels for a single filer paid every two weeks, with the default entries of the form, computed with the same code as the calculator.
| Gross pay per paycheck | Federal income tax per paycheck | Social Security and Medicare per paycheck | Take-home pay per paycheck | Employer cost per paycheck |
|---|---|---|---|---|
| $1,200.00 | $60.15 | $91.80 | $1,048.05 | $1,331.40 |
| $2,500.00 | $216.15 | $191.25 | $2,092.60 | $2,773.75 |
| $5,000.00 | $766.69 | $382.50 | $3,850.81 | $5,547.50 |
At $2,500.00 per paycheck the employee takes home $54,407.60 per year, and the employer spends $70,203.50 per year on that job before benefits.
Method and sources
- Florida Constitution limits any tax on the income of natural persons to the amount creditable against a federal or other state tax. Constitution of the State of Florida, Article VII, Section 5(a), checked September 24, 2026. Second document: Florida Revenue Estimating Conference, 2025 Florida Tax Handbook (Office of Economic and Demographic Research). two official documents
- Florida calls its state unemployment tax the reemployment assistance tax, paid by employers. Florida Revenue Estimating Conference, 2025 Florida Tax Handbook (Office of Economic and Demographic Research), checked September 29, 2026. Second document: Florida Statutes, Section 443.1316. two official documents
- Florida minimum wage from September 30, 2025 through September 29, 2026: $14. Office of the State Attorney, Fourteenth Judicial Circuit: Florida minimum wage notice 2025-2026, checked September 24, 2026. Second document: U.S. Department of Labor, Wage and Hour Division: State Minimum Wage Laws. two official documents
- Florida minimum wage from September 30, 2026 (Florida Constitution schedule): $15. Constitution of the State of Florida, Article X, Section 24, checked September 24, 2026. Second document: Office of the State Attorney, Fourteenth Judicial Circuit: Florida minimum wage notice 2025-2026. two official documents
- Florida reemployment tax: initial rate for an employer chargeable with benefits for less than the statutory number of quarters. Florida Statutes (2026), Section 443.131, checked September 29, 2026. single official source
- Florida reemployment tax wage base (per employee, per calendar year): $7,000. Florida Statutes (2026), Section 443.1217, checked September 29, 2026. Second document: Florida Revenue Estimating Conference, 2025 Florida Tax Handbook (Office of Economic and Demographic Research). two official documents
Federal figures used on every Pay Desk page:
- Pub 15-T edition: for use in 2026 (wages paid from January 1, 2026). Publication 15-T (2026), Federal Income Tax Withholding Methods, checked September 29, 2026. single official source
- Social Security tax rate withheld from the employee (the employer pays the same): 6.2%. Publication 15 (2026), (Circular E), Employer's Tax Guide, checked September 29, 2026. Second document: Topic no. 751, Social Security and Medicare withholding rates. two official documents
- Social Security wage base for 2026: $184,500. Publication 15 (2026), (Circular E), Employer's Tax Guide, checked September 29, 2026. Second document: Topic no. 751, Social Security and Medicare withholding rates. two official documents
- Medicare tax rate withheld from the employee (the employer pays the same): 1.45%. Publication 15 (2026), (Circular E), Employer's Tax Guide, checked September 29, 2026. Second document: Topic no. 751, Social Security and Medicare withholding rates. two official documents
- Per paycheck and per year. Per paycheck is one paycheck early in the year, before any yearly wage base is reached; per year is the full year at this pay with every wage base applied (Social Security, unemployment tax and any capped state contribution).
- Forms W-4 from before 2020. Not covered: the federal line follows Worksheet 1A for the 2020 and later form.
- Tax year 2027. When this page was checked (September 29, 2026) the IRS had not published the 2027 withholding tables (IRS page of forms and publications posted before release), so the calculator stays on tax year 2026.
- What it leaves out. Local taxes the form does not ask for, workers' compensation insurance, benefits the employer pays, and supplemental pay such as bonuses.
Questions people ask
Does Florida take state income tax out of paychecks?
No. The Florida Constitution limits a tax on the income of natural persons to the amount creditable against a similar federal or other state tax (Constitution of the State of Florida, Article VII, Section 5(a)), and Florida levies no personal income tax, so nothing is withheld for the state.
What is the Florida reemployment tax?
It is Florida's name for state unemployment tax. The employer pays it on wages to fund benefits for people out of work (Florida Revenue Estimating Conference, 2025 Florida Tax Handbook (Office of Economic and Demographic Research)); it is not deducted from employees.
What is the Florida minimum wage this year?
The state rate is $14 an hour until the end of September and $15 an hour from then on, under the schedule written into Article X of the Florida Constitution. Both are above the federal minimum, so a Florida employer pays the state rate (Office of the State Attorney, Fourteenth Judicial Circuit: Florida minimum wage notice 2025-2026; Constitution of the State of Florida, Article X, Section 24).
Do Florida employees fill out a state withholding form?
No. Florida has no state withholding certificate. Only the federal Form W-4 is needed.
Are pensions and retirement income taxed by Florida?
No. With no personal income tax in Florida, pensions and retirement distributions are not taxed by the state; federal income tax may still apply.
Is Florida take home pay higher than in states with an income tax?
For the same gross pay and federal choices, a Florida paycheck is missing only the state income tax line, so take home pay is higher by the amount another state would have withheld.
General information, not legal advice. Not a substitute for the advice of an attorney. This page is for general information only and isn’t legal, financial or tax advice. Laws vary by state and change; check the official source or talk to a qualified professional about your situation. Report an error