If you live and work in Florida, you’ve got an advantage — the Sunshine State does not charge a state income tax. That means your take-home pay will typically be higher than in most other states. Still, your paycheck includes other deductions like federal income tax and FICA (Social Security and Medicare), which affect how much money you actually take home.
This guide walks you through how to calculate your paycheck after taxes in Florida using simple examples, tables, and explanations that make sense whether you’re salaried or paid hourly. For retirement savings, use the Florida with-401k calculator.
Understanding Florida Paycheck Taxes
Before calculating your take-home pay, it’s important to know what actually comes out of your paycheck.
What Taxes Apply in Florida
Here’s what’s deducted from your gross income:
- Federal income tax – Based on your W-4, filing status, and income level.
- FICA taxes –
- Social Security: 6.2% of wages (up to the annual limit).
- Medicare: 1.45% of wages (plus an extra 0.9% on income above $200,000).
- No state income tax – Florida does not tax wages or salaries.
- Pre-tax deductions – Health insurance, 401(k), HSA, or FSA contributions that reduce taxable income.
- Post-tax deductions – Union dues, garnishments, or charitable donations.
Because Florida has no state income tax, your take-home pay is mainly affected by federal taxes and FICA. For freelancers or salaried workers, knowing your paycheck forecast is critical for smart financial decisions.
Step-by-Step: How to Calculate Your Paycheck After Taxes in Florida
Step 1 – Start with Gross Pay
Your gross pay is your total earnings before taxes and deductions.
- Salary example: $60,000 per year ÷ 26 bi-weekly pay periods = $2,307.69 gross per paycheck.
- Hourly example: $25/hour × 40 hours = $1,000 gross per week.
Step 2 – Subtract Pre-Tax Deductions
These deductions lower your taxable income.
If you contribute $200 to a 401(k) and $50 to an HSA:
$2,307.69 − $250 = $2,057.69 taxable income.
Step 3 – Estimate Federal Income Tax
The IRS uses your W-4 and federal tax brackets to calculate this.
A single filer earning around this amount might have roughly $230 withheld for federal income tax each pay period.
Step 4 – Calculate FICA Taxes
Everyone pays FICA to fund Social Security and Medicare.
- Social Security: 6.2% × $2,057.69 = $127.58
- Medicare: 1.45% × $2,057.69 = $29.84
Total FICA = $157.42
Step 5 – Skip State Income Tax
Florida has no state income tax. Unlike workers in other states, you can skip this step entirely — one reason Florida paychecks go further.
Step 6 – Subtract Post-Tax Deductions
If you have any after-tax deductions (like $50 in union dues or a benefit), subtract that next.
Step 7 – Find Your Net Pay
Use this simple formula:
Net Pay = Gross Pay − (Federal Tax + FICA + Post-Tax Deductions)
Example:
$2,307.69 − ($230 + $157.42 + $50) = ≈ $1,870 take-home pay
Example: Hourly Worker in Florida
| Description | Amount |
|---|---|
| Hourly rate | $22 |
| Hours worked | 40 regular + 5 overtime (1.5× rate) |
| Gross pay | (40 × $22) + (5 × $33) = $1,045 |
| FICA (7.65%) | $1,045 × 7.65% = $79.90 |
| Federal tax | ~$95 |
| Take-home pay | $1,045 − ($79.90 + $95) = $870.10 |
How Pay Frequency Affects Your Paycheck
| Pay Frequency | Gross per Period | Typical Take-Home Pay |
|---|---|---|
| Weekly | $1,153.85 | $900–925 |
| Bi-weekly | $2,307.69 | $1,850–1,875 |
| Monthly | $5,000 | $4,000–4,100 |
Even if your annual salary is the same, your pay frequency affects how much you see on each check — and how you manage your budget. The Virginia tax calculator provides updated brackets for 2025.
Florida’s No-Income-Tax Advantage
Florida’s tax policy directly benefits workers:
- No state or local income tax means higher take-home pay.
- Pre-tax contributions (like a 401(k) or HSA) stretch further since you’re not losing a percentage to state taxes.
- You still pay federal taxes and FICA, but those are the only required payroll deductions.
Florida vs Other States
| State | State Income Tax | Net Pay on $60,000 Salary (Approx.) |
|---|---|---|
| Florida | 0% | $46,500 – $47,000 |
| Georgia | 5.39% | ~$44,000 – $44,500 |
| California | 9.3% | ~$42,500 – $43,000 |
Living and working in Florida can save you $3,000–$4,000+ annually compared to many other states. Compare after-tax income using the Oregon after-tax calculator.
How to Maximize Your Take-Home Pay in Florida
- Review your W-4 regularly to ensure you’re not over-withholding federal taxes.
- Contribute to pre-tax accounts (401(k), HSA, FSA) to lower taxable income.
- Monitor overtime and bonuses, as they can temporarily bump you into a higher federal withholding bracket.
- Check your pay stub for accuracy — especially deductions.
- If you recently moved to Florida, update your payroll details to reflect your new tax-free state status.
Frequently Asked Questions
Do I pay income tax on my paycheck in Florida?
No. Florida has no state income tax, so your paycheck is only subject to federal and FICA deductions.
What taxes are taken out of a paycheck in Florida?
Federal income tax, Social Security (6.2%), and Medicare (1.45%).
Do pre-tax deductions reduce my Florida taxes?
Yes, they reduce your taxable income for federal and FICA taxes, even though there’s no state tax.
How are bonuses taxed in Florida?
Bonuses are taxed at the federal level (22% flat rate for supplemental wages) but not by the state.
What’s the best way to estimate my take-home pay?
Use this formula:Net = Gross − (Federal + FICA + Post-Tax Deductions)
Or try an online Florida paycheck calculator.
Bettye is the creator of CityPaycheckCalculator.com, a resource designed to help individuals quickly and accurately estimate their take-home pay across U.S. cities. With a strong focus on clarity, accuracy, and user experience, Bettye provides reliable paycheck calculators and helpful insights to support smarter financial decisions. Her mission is to make complex payroll and tax information simple and accessible for everyone.