How your Florida paycheck is calculated
Each tax is worked out on a full year of pay and then split across your paychecks: 52 if you are paid weekly, 26 every two weeks, 24 twice a month, or 12 monthly. Each line is rounded to the cent. The result is an estimate, and your own pay stub is the final word.
- Gross pay. Your salary, or your hourly rate × hours a week × 52.
- Federal income tax. Pre-tax deductions and the 2026 standard deduction come off first. That is $16,100 if you are single, $24,150 for a head of household and $32,200 for a married couple filing jointly. The 2026 brackets, from 10% to 37%, apply to the rest. No tax credits are taken off.
- Social Security. 6.2% of your pay, up to $184,500 for the year.
- Medicare. 1.45% of all pay. Employers withhold another 0.9% on pay above $200,000 in a year.
The two optional boxes are not treated alike. A traditional 401(k) contribution lowers your income tax, but it still counts as wages for Social Security and Medicare. A health premium taken before tax through an employer's Section 125 plan, also called a cafeteria plan, lowers all three.
Worked examples
Full-time at the Florida minimum wage
Single, $15.00 an hour for 40 hours a week, paid every two weeks. About half of this pay is covered by the standard deduction, so the income tax is small. The rate only reached $15.00 on September 30, 2026, so the yearly line shows a full year at the new rate, not what a minimum wage worker earned in 2026.
- Gross pay per paycheck$1,200.00
- Federal income tax−$60.15
- Social Security−$74.40
- Medicare−$17.40
- Florida income tax$0.00
- Take-home pay per paycheck$1,048.05
- Take-home pay per year$27,249
A hotel supervisor with health insurance
Single, $52,000 a year, paid weekly, with $75 a week for health insurance taken before tax. Social Security and Medicare are charged on $48,100 for the year, not the full salary.
- Gross pay per paycheck$1,000.00
- Health insurance premium−$75.00
- Federal income tax−$69.08
- Social Security−$57.35
- Medicare−$13.41
- Florida income tax$0.00
- Take-home pay per paycheck$785.16
- Take-home pay per year$40,828
A one-income couple saving in a 401(k)
Married filing jointly, $130,000 a year, paid monthly, with $800 a month into a traditional 401(k). Income tax is worked out on $120,400, but Social Security and Medicare use the full $130,000.
- Gross pay per paycheck$10,833.33
- 401(k) contribution−$800.00
- Federal income tax−$840.67
- Social Security−$671.67
- Medicare−$157.08
- Florida income tax$0.00
- Take-home pay per paycheck$8,363.91
- Take-home pay per year$100,367
Take-home pay by salary in Florida
| Salary | Gross pay per paycheck | Federal taxes per paycheck | Take-home per paycheck | Take-home per year |
|---|---|---|---|---|
| $30,000 | $1,153.85 | $142.89 | $1,010.96 | $26,285 |
| $40,000 | $1,538.46 | $218.46 | $1,320.00 | $34,320 |
| $50,000 | $1,923.08 | $294.03 | $1,629.05 | $42,355 |
| $60,000 | $2,307.69 | $369.62 | $1,938.07 | $50,390 |
| $70,000 | $2,692.31 | $458.65 | $2,233.66 | $58,075 |
| $80,000 | $3,076.92 | $572.70 | $2,504.22 | $65,110 |
| $90,000 | $3,461.54 | $686.73 | $2,774.81 | $72,145 |
| $100,000 | $3,846.15 | $800.77 | $3,045.38 | $79,180 |
| $110,000 | $4,230.77 | $914.81 | $3,315.96 | $86,215 |
| $120,000 | $4,615.38 | $1,028.84 | $3,586.54 | $93,250 |
| $130,000 | $5,000.00 | $1,149.19 | $3,850.81 | $100,121 |
| $140,000 | $5,384.62 | $1,270.93 | $4,113.69 | $106,956 |
| $150,000 | $5,769.23 | $1,392.65 | $4,376.58 | $113,791 |
Take-home pay by hourly rate
The first row is the Florida minimum wage. All rows assume 40 hours a week with no overtime.
| Hourly rate | Gross pay | Federal income tax | Social Security and Medicare | Take-home pay |
|---|---|---|---|---|
| $15.00 | $600.00 | $30.08 | $45.90 | $524.02 |
| $16.00 | $640.00 | $34.88 | $48.96 | $556.16 |
| $18.00 | $720.00 | $44.48 | $55.08 | $620.44 |
| $20.00 | $800.00 | $54.08 | $61.20 | $684.72 |
| $22.00 | $880.00 | $63.68 | $67.32 | $749.00 |
| $25.00 | $1,000.00 | $78.08 | $76.50 | $845.42 |
| $30.00 | $1,200.00 | $102.08 | $91.80 | $1,006.12 |
| $35.00 | $1,400.00 | $138.19 | $107.10 | $1,154.71 |
| $40.00 | $1,600.00 | $182.19 | $122.40 | $1,295.41 |
Why there is no Florida tax line on your pay stub
The Florida Department of Revenue puts it plainly: Florida does not impose a personal income tax, so individuals have no state filing requirement. Florida's income tax code is aimed at corporations. Section 220.02 says it must be read to avoid any conflict with the state constitution's mandate that no income tax be levied on natural persons who are residents and citizens of Florida.
Florida does collect an unemployment tax, called reemployment tax, but not from you. Employers pay it on the first $7,000 of each worker's wages in a year. The Department of Revenue's employer guide says workers do not pay any part of it and employers must not deduct it from pay.
That leaves a Florida pay stub with federal lines only. If you moved from a state with an income tax, your federal taxes do not change. The state line is the only one that goes.
Florida minimum wage
Florida's minimum wage rose from $14.00 to $15.00 an hour on September 30, 2026. The U.S. Department of Labor records the schedule: $1.00 more every September 30 until the rate reached $15.00. The Florida Minimum Wage Act, which carries out Article X, section 24 of the state constitution, covers workers who are entitled to the federal minimum wage.
- What the last raise is worth. For 40 hours a week it adds $80.00 to gross pay every two weeks and about $64.28 to take-home pay for a single filer.
- Tipped workers. The Department of Labor lists a Florida tip credit of up to $3.02 an hour. Taken off $15.00, that leaves a direct wage of at least $11.98 an hour before tips.
- If you are paid less. Under the Act you first tell your employer in writing. The employer has 15 calendar days to pay. After that you can go to court, which can award the unpaid wages plus the same amount again in damages.
The calculator warns you if the hourly rate you enter is below $15.00.
Overtime and paydays in Florida
Florida leaves both to federal law and to your employer. The U.S. Department of Labor's tables of state rules list no Florida overtime rule and no state rule on how often you must be paid.
- Overtime. The federal Fair Labor Standards Act requires one and a half times your regular rate for hours over 40 in a workweek, if your job is covered and not exempt. It does not require extra pay for weekends or holidays.
- Pay schedule. Pick the schedule shown on your offer letter or pay stub. The calculator offers weekly, every two weeks, twice a month and monthly.
The calculator does not add overtime. Hourly pay is counted at one rate for every hour you enter.
What this estimate leaves out
- Form W-4 choices. Real withholding follows your W-4 and the IRS tables in Publication 15-T. If you claimed dependents or asked for extra withholding, your paycheck will not match this.
- Other income and credits. It assumes one job, no spouse income and no tax credits.
- Other benefits. The two optional boxes cover a traditional 401(k) and a health premium taken before tax. A Roth 401(k), dental or vision cover, and savings accounts for health costs are not worked out.
- Another state's tax. If you live in Florida and work somewhere that taxes wages, that tax is not shown.
- Timing of Social Security. Pay above $184,500 stops being charged Social Security part way through the year. Here it is averaged over all paychecks.
- Additional Medicare Tax on a joint return. Employers withhold it above $200,000 of pay whatever your filing status. The tax itself starts at $250,000 for a joint return, so some of it can come back when you file.
- Tips, bonuses and after-tax deductions. None are included.
Common mistakes
- Comparing only the state tax. No state income tax does not mean a bigger paycheck than every other state. Federal taxes take about 16.02% of a $60,000 salary wherever you live.
- Using the old minimum wage. Pay stubs for work before September 30, 2026 show $14.00. Work from that date on must be at least $15.00.
- Multiplying a weekly paycheck by four. A month is a little over four weeks. Use the yearly figure and divide by 12.
- Entering after-tax deductions as pre-tax. Only amounts taken before tax belong in the two optional boxes.
Questions people ask
Is there state income tax on a Florida paycheck?
No. The Florida Department of Revenue says Florida does not impose a personal income tax, so nothing is withheld for the state and you do not file a state income tax return.
What is the Florida minimum wage in 2026?
$15.00 an hour from September 30, 2026. It was $14.00 before that date. With the $3.02 tip credit, employers of tipped workers can pay $11.98 an hour before tips.
How much is $15.00 an hour after taxes in Florida?
About $1,048.05 every two weeks for a single filer working 40 hours a week in 2026, from gross pay of $1,200.00. A full year at that rate would come to about $27,249.
How much is $60,000 a year per paycheck in Florida?
About $1,938.07 every two weeks for a single filer in 2026, before any benefit deductions. Federal income tax is $193.08, Social Security $143.08 and Medicare $33.46 per paycheck.
What is deducted from a paycheck in Florida?
Federal income tax, Social Security (6.2%) and Medicare (1.45%), plus any benefits you signed up for such as a 401(k) or health insurance. Florida adds no state income tax.
Do Florida workers pay reemployment tax?
No. Reemployment tax is Florida's name for unemployment tax, and employers pay it on the first $7,000 of each worker's wages in a year. The Department of Revenue says employers must not make payroll deductions for it.
Does Florida have its own overtime law?
The U.S. Department of Labor lists no Florida overtime rule beyond federal law. Covered workers get one and a half times their regular rate for hours over 40 in a workweek under the federal Fair Labor Standards Act.
Is this the same as my withholding?
Only in the plainest case. If your Form W-4 has a filing status and no other entries, and you earn the same every payday, the IRS Publication 15-T percentage method lands on the same income tax for the year as this calculator, apart from rounding. Dependents, extra withholding, a second job or uneven pay will make your withholding differ.
Related calculators
Sources
- Florida Department of Revenue: do I have to file a personal income tax return in Florida?
- Florida Statutes, section 220.02: legislative intent of the income tax code
- Florida Department of Revenue: Employer Guide to Reemployment Tax (RT-800002)
- Florida Department of Revenue: reemployment tax
- Florida Statutes, section 448.110: Florida Minimum Wage Act
- U.S. Department of Labor: Minimum Wages for Tipped Employees (Florida tip credit, and the $15.00 step in footnote 4)
- U.S. Department of Labor: State Minimum Wage Laws
- U.S. Department of Labor: State Payday Requirements
- U.S. Department of Labor: Fact Sheet 23, overtime pay under the FLSA
- IRS: tax inflation adjustments for tax year 2026
- IRS Revenue Procedure 2025-32: 2026 tax rate tables and standard deduction for every filing status
- Social Security Administration: contribution and benefit base
- IRS Topic no. 751: Social Security and Medicare withholding rates
- IRS Topic no. 560: Additional Medicare Tax
- IRS Publication 15-T (2026): federal income tax withholding methods
- IRS: 401(k) plan overview
- IRS: 401(k) contribution limit for 2026
- IRS Publication 15-B (2026): cafeteria plans and health benefits
Figures last checked against these sources on October 10, 2026. This page gives general information and estimates, not tax, legal or financial advice.