Paycheck Calculator Florida - FL

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Florida - FL Paycheck Calculator: Hourly and Salary

Florida, A Sunshine State, situated at the southeastern-most part of the United States, having the Gulf of Mexico at one side and Atlantic on the other. This state is known for hundreds of miles long beaches, tropical climate and diverse wildlife.

There are a lot of perks living in this state, from swimming to diving, from sailing to surfing or enjoying a wonderful trip on a cruise. Moreover, it has pleasant weather that enables you to plan your outdoor event easily. Even in winters, the temperature is bearable, so you don't need to carry heavy and warm wardrobes while going outside.

Apart from Holiday and travel destinations, this state has a lot more reasons to settle in. Like this sunshine doesn't charge any state income tax on its residents. Moreover, the sales and property tax are also lower than the most across the nation. Even no city in Florida charges any Local Income Tax, hence, making this state popular among retirees and tax-averse workers.

Additionally, Cost is living here is not too high but not too low either, which makes it as 30th most affordable state in the US, according to the 2018 survey, conducted by the Council for Community & Economic Research (C2ER).

So if you are planning to settle and start are new job or business in Florida. Then you must know about the costs (paycheck), you may have to incur as an employer or what you will earn as an employee.

Calculating the take-home-pay for an employee is not an easy job. The employer has to through several steps, to deduce the net pay, where a single mistake could cause a significant impact on finance. Therefore, you are suggested to use our Florida Paycheck Calculator, to get you to work done instantly and accurately.

To help you in the whole calculation process using our Calculator, our experts have written a fantastic guide, for which you must continue reading.


Florida Tax Facts

  • Florida State charges no income tax on to its residents
  • No City in Florida charges any Local Income tax of Paychecks
  • Minimum Wage according to State for Employees is $8.25 (as in 2019)
  • Minimum Cash Wage for Tipped Employees is $5.25, with a Maximum Tip Credit of $3.02 (as in 2019)
  • The state requires the employers to pay State Unemployment Insurance (SUI) tax that ranges from 0.1% to 5.4%, on the first taxable income of $7000, earned by each employee. However, New Employees are given relief by lowering their tax to the flat rate of 2.7%.
  • The average household income of Florida residents, according to the US Census Bureau is $50,883.

How to calculate Take-Home Pay in Florida?

To calculate Take Home Pay or Paycheck, you need to go through several steps that include calculation of Gross Pay, Pre-Tax Deductions, Federal Taxes, State Taxes, Post Tax Deductions, Local Tax, etc.

To make it easy for you, we have divided this guide into steps, which would give a general idea. However, there may be some differences or additional taxes that you may be subjected to, according to your situation. As it's a comprehensive guide, we can only discuss general aspects.


Step 1 - Calculating Gross Pay:

  1. To calculate Gross Pay, first, you need to determine the Pay Type of an employee. It is whether an employee is paid on an hourly basis or salary basis.

Hourly Employees:

Hourly Base Employees are paid for each hour they work in a day or a week, at the mutually agreed hourly rate. However, mutually agreed hourly rate must be as per the Federal and State Minimum Wage law.

Hourly Employees are also entitled to receive overtime, for each excess hours worked after Regular worked hours in a day or week. The overtime rate in most of the state is one and a half time the regular hourly rate.


Salaried Employees:

Salaried employees receive a fixed but mutually agreed on pay, for a decided pay frequency, usually semi-monthly or monthly. However, for gross payment determination for a pay period, the annual salary is divided by the pay frequency.

Most of the salaried employees are exempted from Overtime law. Therefore, they are not entitled to receive overtime, regardless of how many excess hours they work. However, some exceptional salaried employees may be eligible to receive overtime according to federal or state law.


  1. Remember, Supplementary Wages like bonuses, commissions and paid leaves, as well as double time and fringe benefits, are also taxable wages. Therefore they must also be included in gross pay, before federal and state tax calculation.

Step 2 – Subtracting Pre-Tax Deductions (If Any):

Pre-Tax Deduction is an amount, deducted from employee's gross pay before any withholding tax is deducted. These deductions have several advantages, including the reduction of taxable wage. Hence, increasing the take-home pay of an employee. However, not all deductions can be considered as free from all taxes, which means some of the deductions may require certain taxes to be withheld.

Some of the standard Pre-tax deductions are:

  • Health Savings Accounts or FSA or HSA plans
  • Commuter Benefits
  • Healthcare Insurance
  • Short-Term Disability
  • Dental Insurance
  • Medical Expenses and Flexible Spending Accounts
  • Vision Benefits
  • Retirement funds like a traditional 401(k)

Note: Pre-Tax deduction rate changes from year to year, according to inflation and costs of living by the federal government. Therefore, you must keep yourself updated with all rates before, making any deductions.


Step 3 – Calculate and Subtract Federal Taxes:

Federal Taxes are taxes deducted from almost every employee, regardless of which state or county they work in.

Federal Taxes are calculated according to the details provided by the employee on Form W-4, which comprises of income, filing status, number of dependents, number of allowances, number of jobs, etc.

The details are form W-4, are assessed and used by the employer to deduce the federal tax bracket, in which the employee's taxable wage lay upon.

Federal Taxes ranges from 0% to 37% have seven tax brackets, depending on filing status, income and number of allowances claimed. Below is the income tax details for the year 2019:

Single Filers
Taxable Income Rate
$0 - $9,525 10.0%
$9,525 - $38,700 12.0%
$38,700 - $82,500 22.0%
$82,500 - $157,500 24.0%
$157,500 - $200,000 32.0%
$200,000 - $500,000 35.0%
$500,000+ 37.0%

Married, Filing Jointly
Taxable Income Rate
$0 - $19,050 10.0%
$19,050 - $77,400 12.0%
$77,400 - $165,000 22.0%
$165,000 - $315,000 24.0%
$315,000 - $400,000 32.0%
$400,000 - $600,000 35.0%
$600,000+ 37.0%

Married, Filing Separately
Taxable Income Rate
$0 - $9,525 10.0%
$9,525 - $38,700 12.0%
$38,700 - $82,500 22.0%
$82,500 - $157,500 24.0%
$157,500 - $200,000 32.0%
$200,000 - $500,000 35.0%
$500,000+ 37.0%

Head of Household
Taxable Income Rate
$0 - $13,600 10.0%
$13,600 - $51,800 12.0%
$51,800 - $82,500 22.0%
$82,500 - $157,500 24.0%
$157,500 - $200,000 32.0%
$200,000 - $500,000 35.0%
$500,000+ 37.0%


Step 4 – Deduct FICA Taxes:

Along with Federal Withholding, employers are also required to withhold Federal Insurance Contributions Act (FICA) taxes from the employee's paycheck as well as pay a matching amount themselves to the IRS.

There are two types of FICA taxes:

  1. Social Security:

Employers are entitled to withhold 6.2% from the first $132,900 (wage base limit for 2019), taxable wages earned by the employee. Moreover, the employer is also required to pay an equal amount to the IRS for each employee.


  1. Medicare:

Medicare tax is another type of FICA Tax that an employer must withhold from the taxable gross wage of the employee, at the rate of 1.45%. Unlike social security, there is no wage base limit. However, if the employee earns more than the defined threshold than he/she is subjected to an additional 0.9% of Additional Medicare Tax rate, for every dollar earned above the threshold amount.

Like Social Security, IRS also requires the employer to pay an equal amount of Medicare tax for each employee.


Step 5 – Payment of FUTA Taxes

The Federal Unemployment Tax Act (FUTA) is a tax, that IRS requires the employer to pay, without deducting anything from the employee's paycheck.

The FUTA Tax rate for 2019 is 6.0% of the first taxable wage up to $7000 of an employee. However, once the taxable wage limit is crossed for a particular employee than the employer no longer have to pay this tax.

What to reduce FUTA Tax?

Yes! Then you must pay State Unemployment Insurance (SUI) tax in full and on time and get a FUTA tax credit of up to 5.4%. Which means, you saved a whopping 90% from FUTA Tax.


Step 6 – Subtract Post-Tax Deductions (If any):

Although, employers are not required to withhold any amount as a post-tax deduction, unless if an employee voluntarily asks to do so. However, there are some deductions, ordered by the court like child support or wage garnishment, which the employer is entitled to deduct.


Step 7 – Withhold Florida State Payroll Taxes:

Florida State charges NO state payroll taxes on its residents.

Step 8 – Withhold Local Tax:

No City or County of Florida charges any Local Income Tax on its residents.


Step 9 – Pay State Unemployment Tax (SUI):

Like FUTA tax by IRS, Florida State also entitles the employer to pay SUI Tax. The employer must only pay this tax. This tax has a wage base of $7000 (2019) and ranges from 0.1% to 5.4%. However, the new employers get a little relief, as they only have to pay a flat rate of 1.5%. Moreover, Florida State gives an exception to a new employer in the construction industry to pay a flat rate of 2.7%.


Note: As we have stated earlier, that paying SUI taxes in full and on time, can get the employer, a FUTA tax credit of up to 5.4%, that an employer should avail.


Step 10 – Calculate Pay Check:

Once you are done with all elements (steps) discussed earlier, you will have a net pay amount for each employee. Now all you have to do is pay employees on time. Also, to file all Federal Taxes, State Taxes, FICA and FUTA taxes on time, to avoid any penalties.


Payroll Laws for Florida Paycheck

  • Florida State law requires the employer to give a detailed paycheck to their Employees. The details must include Pay Period, tax deductions along with all the additional information of the pay period.
  • The state requires the employer to maintain regular pay intervals, that must be no longer than one month or 30 days (whichever is longer). However, this law doesn't cover reimbursement payments due under a pension plan, profit-sharing plan or other similar deferred compensation plans.
  • Federal Minimum Wage is $7.25, and Florida's current minimum wage is $8.46. Both Federal and State Law requires the employer to pay their employees, the minimum wage, which is higher among federal or state minimum wage rate.
  • The cash minimum wage for Tipped Employees in Florida is $5.23. However, the state law requires the employer to ensure that they have paid the tipped wage rate along with tips received equal to or more than $8.05 (regular minimum wage rate) to the tipped employees.
  • State Laws entitles the employer to give 30 minutes of a lunch break after four consecutive hours of work to the under-18 employees. However, the state doesn't regulate lunch and meals breaks for adults. Therefore, they must follow the FLSA law, where the law doesn't require the employer to grant meals and lunch breaks. However, if the employer voluntarily allows the lunch break, then it must be of 20 minutes or less (unpaid) or 30 minutes or more (paid).
  • Florida doesn't regulate over time, therefore, employers and employees must follow the FLSA law for overtime, where the employer must pay overtime in one and half of regular hourly rate to the non-exempted employees, for every excess hour worked after 40 hours in a workweek.
  • Employees including Independent contractors, salaried employees like professional, Executive, administrative & outside sales employees, Farmworkers, Babysitters etc. are exempted from the minimum wage and overtime protections law by FLSA and Florida State.
  • Neither federal law nor Florida State requires the employers to offer any paid leave benefits to their employees. However, they needed to provide unpaid leave in certain situations such as Family and medical leave, Domestic violence leave, Military leave or Jury duty, but only if both employer and employee meet the defined criteria provided by federal and Florida state law.

How to Increase Take-Home Pay in Florida?

Increasing Take Home Pay can be a bit tricky but equally beneficial for the employee. There are several factors that we need to consider, but we must also know about some limitations imposed by the law, as going far beyond the limit may cause trouble. Here are some of the ways that you can follow to increase your paycheck amount:

  • One of the best sources of increasing the take Home Pay is to work overtime and try achieving targets set by the employers to earn further bonuses, commissions or other forms of supplemental wages. The Supplemental wages are not taxed in Florida. However, employers are required to withhold federal income tax from it.
  • Increasing your 401k contribution can decrease your taxable income for federal taxes, hence increasing your take-home pay.
  • If you feel that you need cash in hand instead of saving it for retirement, then you can completely stop your 401k contribution temporarily and start it back when your financial goals are achieved.
  • Perform well and then try negotiating your wage appraisal with your employer. You can even request a bonus or additional compensation if you feel that the demand for your skills is high in the market.
  • Try and make yourself eligible enough to get promoted to the position with higher pay.
  • Try changing your job, and looking for the one with higher pay.
  • Take advantage of incentives and perks like a gym, house cleaning, on-site childcare, etc., provided by the company. This will help to decrease your expenses and improving your lifestyle.
  • Have unused vacations? Then why not redeem it for cash. This can add some extra bucks to your paychecks.
  • Try getting a second job or a part-time job.
  • Revise your Form W4, and make sure have opted for the right amount of Allowances from federal taxes, as higher the Allowances, higher the paycheck, but unfair claims can cause you penalties by the IRS.
  • Contribute to Health Saving plans like FSA or HSA. These contributions are tax-free, and you can use them for your medical expenses.
  • Ask you HR or Employer for tax-advantaged benefits like commuter benefits.

FAQs

Answer: Only Federal Payroll Taxes are taken out from the paycheck of the employees working in Florida. These taxes are as follow:

  1. Federal Income Tax: This Tax ranges from 0% to a top marginal rate of 37%, having seven tax brackets depending on income and filing status.
  2. FICA Tax – Social Security: Social Security is charged at the rate of 6.2% on each paycheck of an employee until total income reaches $132,900 in a year.
  3. FICA Tax – Medicare: These taxes are withheld from each employee's paycheck at the rate of 1.45% of the income. Additional 0.9% of Medicare tax is also deducted if the employee has the earning more than $200,000 as a single filer or more than $250,000 as a married filing jointly.

Answer: Florida State doesn't charge any state income tax on its residents. In addition, no local tax is also charged by any city on the payroll of its residents.

Answer: The average salary in Florida is $57500 in 2019

Answer: The livable wage in Florida is around $52,200. This amount was calculated by taking into account the factors including health insurance, food, housing, transportation, child care and other regular costs.

Answer: A livable hourly wage for a single adult having no children is $12.17. However, it rises to double with a child.

Answer: The minimum wage for employees working with Florida is $8.45.

Answer: The Cash Minimum Wage for tipped employee working in Florida is $5.25, with a Maximum Tip Credit of $3.02 (as in 2019)

Answer: In Florida, employers are allowed to schedule a weekly, bi-weekly, semi-monthly or monthly pay frequency.

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