Hawaii Paycheck Calculator
Easily estimate take home pay after income tax so you can have an idea of what to possibly expect when planning your budget
Results
Income Before Tax
Take Home Pay
Total Tax
Average Tax Rate
$ = US Dollar
Income Before Tax
Federal Income Tax
State Income Tax
State Tax Credits
Social Security
Medicare
State Disability Insurance
State Paid Family and Medical Leave (PFML)
State Unemployment Insurance
State Worker Comp
State Transit Tax
Mental Health Services Tax
Local Income Tax
Total Tax
Take Home Pay
Federal Deductions
State Deductions
Average Tax Rate
Table of Contents
Summary
Enter your employment income into the paycheck calculator above to estimate how taxes in Hawaii, USA may affect your finances. You'll then get your estimated take home pay, an estimated breakdown of your potential tax liability, and a quick summary down here so you can have a better idea of what to possibly expect when planning your budget.
This paycheck calculator also works as an income tax calculator for Hawaii, as it shows you how much income tax you have to pay based on your salary and personal details.
To learn more about Hawaii, its income tax, and tax brackets, so that you can get a deeper understanding of how your budget and finances may be affected, scroll down to the detail section below!
Frequently Asked Questions
What is the income tax rate in Hawaii?
The state income tax rate in Hawaii is progressive and ranges from 1.4% to 11% while federal income tax rates range from 10% to 37% depending on your income. This paycheck calculator can help estimate your take home pay and your average income tax rate.
How many income tax brackets are there in Hawaii?
The state income tax system in Hawaii has twelve different tax brackets. For more details, check out our detail section.
How Your Hawaii Paycheck Works
The sparkling islands of Hawaii are more than just a paradise for tourists enjoying the natural beauty, cultural diversity, and tropical climate of the Aloha State. It's also a place where many people live and work.
Along with these perks, life in Hawaii also comes with some challenges, such as the high cost of living and isolation from the mainland. Whether you are a resident or plan to move here, you need to know how to manage your finances and budget your income in Hawaii. One of the most important aspects of your financial planning is understanding how your paycheck works.
Federal Income Tax
The first and biggest item taken from your gross pay is federal income tax. This is the tax that you pay to the federal government based on your income level and filing status. The federal income tax system is progressive, which means that the more you earn, the higher your tax rate is.
When you start a job, your employer will ask you to fill out a Form W-4. This form tells your employer how much federal tax to withhold from each paycheck based on your personal circumstances. Your marital status would be one detail, for example.
It's in your best interest to fill this form properly and keep it updated as necessary. If you withhold too much, you will get a refund when you file your tax return. If you withhold too little, you will owe money to the IRS.
State Income Tax
The second item withheld from your gross pay would be state income tax. This is the tax that you pay to the state of Hawaii based on your income level and filing status. Like the federal system, the state income tax system is also progressive, which means that the more you earn, the higher your tax rate will be. In Hawaii, there are a total of twelve different tax brackets that range from 1.4% to 11%.
Hawaii has a form similar to the W-4 called the HW-4. This specifically helps your employer withhold state income tax.
Fortunately, Hawaii does not have any local income taxes, which is one less thing to have to pay.
Social Security and Medicare Taxes
Two other withholdings you'll see are for the Social Security and Medicare taxes. These are the taxes that you pay to fund the federal programs that provide benefits for millions of Americans. Together, these taxes are also known as FICA taxes, which stands for Federal Insurance Contributions Act.
Social Security tax is 6.2% of your gross pay up to a certain limit, which is $147,000 for 2022. Medicare tax is 1.45% of your gross pay without a limit. You will also have to pay an additional 0.9% Medicare surtax if you earn above a certain income.
Your employer matches these taxes by paying an equal amount on your behalf. This means that the total Social Security and Medicare taxes are around 12.4% and 2.9%, respectively.
Other Withholdings
You might also have voluntary contributions depending on your employer’s policies and benefits. Some examples include health insurance premiums, retirement plan contributions, and flexible spending account contributions, among others.
For example, if you contribute to a traditional 401(k) or IRA, you can reduce your taxable income by the amount of your contribution, up to a certain limit. However, if you contribute to a Roth IRA, you do not get an immediate tax benefit, but your withdrawals in retirement will be tax-free.
Another example is health insurance premiums. If you participate in your employer’s health plan, you can typically subtract your premiums from your gross pay before taxes.
Net Pay
The final amount that you receive in your paycheck is your net pay. This is the amount that you can actually spend or save after all taxes and other things are taken out. Your net pay is also known as your take-home pay.
To estimate your net pay, you can use our calculator above. This tool allows you to enter your hourly or salary income and a couple other details to see how much money you might get in each paycheck. You can also compare different scenarios and see how they affect your net pay.
Your estimated net pay can then be used to plan your budget and savings goals. For example, you can use the 50/30/20 rule to allocate your net pay into three categories: needs, wants, and savings. According to this rule, you might spend 50% of your net pay on essential expenses, such as housing, food, utilities, and transportation; 30% on discretionary expenses, such as entertainment, travel, and hobbies; and 20% on savings and investments, such as emergency fund, retirement account, and debt repayment.
State Income Tax Brackets
For 2022 tax year
| Taxable Income (USD) | Tax Rate |
|---|---|
| First 2,400 | 1.4% |
| From 2,400 to 4,800 | 3.2% |
| From 4,800 to 9,600 | 5.5% |
| From 9,600 to 14,400 | 6.4% |
| From 14,400 to 19,200 | 6.8% |
| From 19,200 to 24,000 | 7.2% |
| From 24,000 to 36,000 | 7.6% |
| From 36,000 to 48,000 | 7.9% |
| From 48,000 to 150,000 | 8.25% |
| From 150,000 to 175,000 | 9% |
| From 175,000 to 200,000 | 10% |
| From 200,000 onwards | 11% |
For 2022 tax year
| Taxable Income (USD) | Tax Rate |
|---|---|
| First 4,800 | 1.4% |
| From 4,800 to 9,600 | 3.2% |
| From 9,600 to 19,200 | 5.5% |
| From 19,200 to 28,800 | 6.4% |
| From 28,800 to 38,400 | 6.8% |
| From 38,400 to 48,000 | 7.2% |
| From 48,000 to 72,000 | 7.6% |
| From 72,000 to 96,000 | 7.9% |
| From 96,000 to 300,000 | 8.25% |
| From 300,000 to 350,000 | 9% |
| From 350,000 to 400,000 | 10% |
| From 400,000 onwards | 11% |
For 2022 tax year
| Taxable Income (USD) | Tax Rate |
|---|---|
| First 3,600 | 1.4% |
| From 3,600 to 7,200 | 3.2% |
| From 7,200 to 14,400 | 5.5% |
| From 14,400 to 21,600 | 6.4% |
| From 21,600 to 28,800 | 6.8% |
| From 28,800 to 36,000 | 7.2% |
| From 36,000 to 54,000 | 7.6% |
| From 54,000 to 72,000 | 7.9% |
| From 72,000 to 225,000 | 8.25% |
| From 225,000 to 262,500 | 9% |
| From 262,500 to 300,000 | 10% |
| From 300,000 onwards | 11% |
Those that are married filing jointly see the same tax rate range, but have their tax bracket amounts doubled.
Both a state standard deduction and a personal exemption exist and vary depending on your filing status.
Hawaii also has a small disability insurance tax as well which has a maximum cap on the applicable income.
More From Investomatica:
For sales tax, please visit our Hawaii Sales Tax Rates and Calculator page.
Calculate Your Paycheck in Other States and US Regions
Calculate Your Paycheck in Other Parts of North America
Disclaimer
- The content shown on this page is strictly for educational purposes only. It does not represent advice nor is it a substitute for a professional advisor.
- Estimated results are just estimates. They are not a guarantee of future results.
- Tax situations vary widely and calculations can get very complex. This paycheck calculator only provides a rough estimate according to the most common scenarios for standard employment income that comes from an employer. If you are self-employed, your taxes might differ.
- There may be additional deductions, credits, exemptions, allowances, reliefs, etc depending on many factors. Some factors are about your family such as the number of dependents, children, relatives, parents, etc. Other factors may include mortgage payments, property depreciation, charitible donations, additional voluntary retirement contributions, etc. Whether or not you are handicapped and/or disabled may also sometimes be an additional factor.
- Depending on region and jurisdiction, salary bonuses may be treated and taxed differently from standard salary.
- Calculators from other sites may show slightly different numbers due to different deductions/credits being included or they are based on data from a different year.
- Generally, we review changes once a year since tax codes usually change once a year. If you notice a major miscalculation or error with our paycheck calculator (most likely caused by a typo somewhere), feel free to direct message us on twitter and let us know. However, if you have specific questions about your own personal situation, please consult a licensed tax professional.
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