If you live and work in Florida, figuring out your take-home pay after taxes is easier than in most states. That’s because Florida is one of the few states that does not have a state income tax. But you’ll still pay federal taxes and FICA (Social Security and Medicare), which affect how much you actually take home each payday.
This guide explains — in plain English — how to calculate taxes on your paycheck in Florida, step by step. You’ll see examples for both salaried and hourly workers, plus tips to help you understand where your money goes and how to maximize your take-home pay. For consistent income tracking, try the Ohio weekly calculator.
Understanding Florida Paycheck Taxes
Gross Pay vs. Net Pay
- Gross pay is the total amount you earn before any taxes or deductions.
- Net pay (your take-home pay) is what’s left after taxes and deductions are taken out.
Taxes and Deductions That Apply in Florida
Here’s what comes out of your paycheck in Florida:
- Federal income tax – Based on your W-4 form, filing status, and income level.
- FICA taxes – 6.2% for Social Security and 1.45% for Medicare.
- No Florida state income tax – You keep more of your earnings compared to workers in states with income taxes.
- Pre-tax deductions – Retirement contributions (401(k), HSA, FSA, health insurance premiums).
- Post-tax deductions – Charitable donations, garnishments, or after-tax benefits.
Because Florida doesn’t charge a state income tax, your paycheck only includes federal and FICA deductions, plus any pre- or post-tax benefits you choose. Before planning your monthly budget, calculate your real earnings to understand how much you’ll actually take home.
Step-by-Step: How to Calculate Your Florida Paycheck
Step 1 – Find Your Gross Pay
Your gross pay is your salary or hourly rate before taxes.
- Example (Salary): $60,000 per year ÷ 26 bi-weekly pay periods = $2,307.69 per paycheck.
- Example (Hourly): $25/hour × 40 hours = $1,000 per week.
Step 2 – Subtract Pre-Tax Deductions
Pre-tax deductions lower the amount of your income that gets taxed.
If you contribute $200 to your 401(k) and $50 to an HSA each paycheck:
$2,307.69 − $250 = $2,057.69 taxable income.
Step 3 – Calculate Federal Income Tax
Your employer uses your W-4 and the IRS tax tables to estimate how much to withhold for federal taxes.
In this example, a single filer might have around $230 withheld for federal income tax.
Step 4 – Calculate FICA Taxes
All workers pay FICA taxes, which 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 – No State Income Tax in Florida
Since Florida doesn’t have state income tax, you skip this step — nothing is withheld here.
Step 6 – Subtract Post-Tax Deductions
If you have $50 in post-tax deductions (like after-tax insurance or union dues), subtract that too.
Step 7 – Compute Your Net Pay
Use this formula:
Net Pay = Gross − (Federal Tax + FICA + Post-Tax Deductions)
So, $2,307.69 − ($230 + $157.42 + $50) = $1,870.27 take-home pay
Example: Hourly Worker in Florida
- Hourly rate: $22/hour
- Hours worked: 40 regular + 5 overtime (1.5× rate)
- Gross = (40 × $22) + (5 × $33) = $880 + $165 = $1,045
- FICA: $1,045 × 7.65% = $79.90
- Federal tax: roughly $95
- Net pay = $1,045 − ($79.90 + $95) = $870.10 take-home pay
Pay Frequency Comparison
| Pay Frequency | Gross per Period | Approx. Net Pay |
|---|---|---|
| Weekly (52) | $1,153.85 | $900–925 |
| Bi-weekly (26) | $2,307.69 | $1,850–1,875 |
| Monthly (12) | $5,000 | $4,000–4,100 |
Your annual income stays the same, but your paycheck size changes depending on how often you’re paid. For monthly employees, plan budgets with the Texas monthly calculator.
Florida-Specific Payroll Insights
No State Income Tax = Higher Net Pay
Florida’s no-income-tax policy means your net pay is often higher compared to states that take 4–10% in state income taxes.
Pre-Tax Benefits Stretch Further
Pre-tax contributions reduce your taxable income and save on both federal and FICA taxes, increasing your take-home pay.
Example: $100 contributed to your 401(k) might save around $20–25 in taxes.
No Local Income Taxes
Most counties and cities in Florida also don’t charge additional local taxes. Your federal and FICA taxes are the main paycheck deductions.
Tips to Maximize Take-Home Pay in Florida
- Double-check your W-4 form — you might be over-withholding federal tax.
- Contribute to pre-tax accounts (401(k), HSA, or FSA) to lower your taxable income.
- Track overtime and bonuses, since those can be taxed at different withholding rates.
- Review your pay stub regularly to ensure all deductions are correct.
- If you move to Florida from another state, update your payroll information immediately — your take-home pay will increase once state taxes stop applying. Salaried earners in Massachusetts can use the Massachusetts salary calculator.
Frequently Asked Questions
Do I pay state income tax on my paycheck in Florida?
No. Florida doesn’t tax wages or salaries, so only federal and FICA taxes apply.
What taxes come out of my paycheck in Florida?
Federal income tax, Social Security (6.2%), and Medicare (1.45%). You may also have voluntary pre- or post-tax deductions.
Do pre-tax deductions reduce my Florida taxes?
Yes. They reduce your taxable income for federal and FICA taxes, even though Florida doesn’t have a state tax.
How are bonuses or commissions taxed in Florida?
Bonuses are considered taxable income at the federal level, but Florida doesn’t tax them separately.
How do I calculate my net pay manually?
Subtract federal tax, FICA, and any deductions from your gross pay using the formula above.
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.