Quick answer
Hawaii paycheck basics
Hawaii has one of the most graduated income taxes in the country: twelve brackets from 1.4% to 11%. State law widens those brackets in stages (HRS § 235-51 sets new schedules for 2027 and 2029), and for 2026 the Department of Taxation also more than doubled the extra withholding allowance every employee gets, from $1,650 to $4,350, so Hawaii paychecks show noticeably less state tax than in 2025. Most Hawaii workers also see a small Temporary Disability Insurance (TDI) deduction.
This calculator uses the Department of Taxation's annualized withholding method from Booklet A for 2026. Enter the marital status and allowances from your Form HW-4, and it figures Hawaii withholding and TDI along with federal income tax, Social Security and Medicare to show your take-home pay. Hawaii has no county or city income tax, so these two lines are the only state deductions on a typical pay stub.
How Hawaii taxes your paycheck
Hawaii employers withhold with the rates in Booklet A. Under the annualized method your pay for the period is multiplied by the number of paychecks in a year, $1,144 is subtracted for each allowance on your HW-4, and an extra lump sum allowance of $4,350 is subtracted for everyone. The rest is taxed at the annual withholding rates, 1.40% up to $9,600 for a single employee, then 3.20%, 5.50%, 6.40%, 6.80%, 7.20%, 7.60% and 7.90% above $125,000, with brackets twice as wide for married employees. The annual amount is divided by the number of paychecks. The withholding schedule stops at 7.90%, while the tax on your return runs up to 11% on income over $325,000 for a single filer, so very high earners may owe more at tax time. A bonus paid with regular pay is added to that paycheck. Traditional 401(k) contributions, cafeteria-plan benefits and HSA contributions reduce Hawaii wages as they do federal wages.
| Taxable income | Rate |
|---|---|
| $0 – $9,600 | 1.40% |
| $9,600 – $14,400 | 3.20% |
| $14,400 – $19,200 | 5.50% |
| $19,200 – $24,000 | 6.40% |
| $24,000 – $36,000 | 6.80% |
| $36,000 – $48,000 | 7.20% |
| $48,000 – $125,000 | 7.60% |
| $125,000 – $175,000 | 7.90% |
| $175,000 – $225,000 | 8.25% |
| $225,000 – $275,000 | 9.00% |
| $275,000 – $325,000 | 10.00% |
| Over $325,000 | 11.00% |
| Taxable income | Rate |
|---|---|
| $0 – $19,200 | 1.40% |
| $19,200 – $28,800 | 3.20% |
| $28,800 – $38,400 | 5.50% |
| $38,400 – $48,000 | 6.40% |
| $48,000 – $72,000 | 6.80% |
| $72,000 – $96,000 | 7.20% |
| $96,000 – $250,000 | 7.60% |
| $250,000 – $350,000 | 7.90% |
| $350,000 – $450,000 | 8.25% |
| $450,000 – $550,000 | 9.00% |
| $550,000 – $650,000 | 10.00% |
| Over $650,000 | 11.00% |
Hawaii state payroll programs
Hawaii Temporary Disability Insurance pays partial wages when you cannot work because of a non-work illness or injury. Employers may pass up to half the premium to employees, but no more than 0.5% of weekly wages, capped at $7.50 a week in 2026 (0.5% of the $1,500.21 maximum weekly wage base). This calculator shows the 0.5% maximum; many employers deduct less or pay the whole premium.
| Program | Employee rate | Wage base | Source |
|---|---|---|---|
| Hawaii TDI | 0.5% | Up to $1,500/week | Source |
Worked example
A $60,000 salary in Hawaii, single, paid biweekly
- Annual salary:
- $60,000
- Filing status:
- Single
- Pay frequency:
- Biweekly (26 paychecks/year)
- Deductions:
- None
- State:
- Hawaii
- Salary: +$2,307.69
- Federal income tax: −$193.08
- Social Security: −$143.08
- Medicare: −$33.46
- Hawaii income tax: −$120.02
- Hawaii TDI: −$11.54
Net pay per paycheck: $1,806.51
Computed with Hawaii's default withholding certificate (no allowances, no extra withholding) and no pre-tax or post-tax deductions. Your own paycheck will differ with different elections.
Take-home pay by salary in Hawaii
Net pay at five common salaries, biweekly, with no bonus, tips or deductions — computed the same way as the worked example above, for Single and Married Filing Jointly.
| Annual salary | Single — per paycheck | Single — annual | MFJ — per paycheck | MFJ — annual |
|---|---|---|---|---|
| $40,000 | $1,248.80 | $32,468.80 | $1,319.57 | $34,308.82 |
| $60,000 | $1,806.51 | $46,969.26 | $1,890.36 | $49,149.36 |
| $80,000 | $2,310.74 | $60,079.24 | $2,446.51 | $63,609.26 |
| $100,000 | $2,793.44 | $72,629.44 | $3,006.13 | $78,159.38 |
| $150,000 | $3,976.11 | $103,378.86 | $4,337.42 | $112,772.92 |
How to use this calculator
- Enter your pay. Choose salary or hourly, fill in the amount and hours, and pick how often you are paid.
- Fill in your federal Form W-4. Filing status, the Step 2 checkbox, and Steps 3 and 4 if they apply to you.
- Fill in your HW-4. The calculator only shows the fields Hawaii actually asks for.
- Add any deductions. Traditional or Roth 401(k), health premiums, HSA, FSA, or other pre-tax and post-tax amounts taken from your pay.
- Read your results. Net pay per paycheck, the full breakdown by category, and any warnings about your specific numbers.
Formulas used
Net pay = gross pay − pre-tax deductions − federal tax − FICA − Hawaii income tax − state payroll programs − local tax − post-tax deductions.
Hawaii vs. neighboring states
Hawaii shares a land border with no other U.S. state, so there is no bordering-state comparison to show. Use another state's paycheck calculator to compare take-home pay.
Frequently asked questions
How is federal income tax withheld from my paycheck calculated?+
Employers use the IRS Publication 15-T percentage method with the elections on your Form W-4: filing status, whether Step 2 is checked, Step 3 credits, and any Step 4 adjustments. That produces an amount to withhold each pay period before Social Security, Medicare, and any state or local tax are applied.
What is FICA and why is it withheld on every paycheck?+
FICA is Social Security tax (6.2% of wages up to the annual Social Security wage base) plus Medicare tax (1.45% of all wages, with an extra 0.9% on wages above $200,000 in a year). Both are withheld on every US paycheck regardless of which state you work in, because they fund federal programs rather than a state one.
Is the result on this calculator the same as my actual paycheck?+
It is an estimate for planning, not a substitute for your pay stub. Your actual withholding depends on the exact elections on file with your employer, your specific pay dates, and any mid-year changes to your deductions — the calculator applies the published federal and state formulas to the numbers you enter.
What are the Hawaii income tax rates for 2026?+
Twelve rates: 1.4%, 3.2%, 5.5%, 6.4%, 6.8%, 7.2%, 7.6%, 7.9%, 8.25%, 9%, 10% and 11%. For a single filer the 1.4% rate covers the first $9,600 of taxable income and 11% applies above $325,000; joint filers' brackets are twice as wide.
Why did my Hawaii withholding go down in 2026?+
The Department of Taxation raised the extra lump sum withholding allowance, which every employee gets, from $1,650 to $4,350 a year for wages paid from January 1, 2026. That $2,700 increase lowers Hawaii withholding for almost everyone, on top of the wider brackets from the state's tax cuts.
How is Hawaii withholding calculated?+
Annualize your pay, subtract $1,144 for each HW-4 allowance and the $4,350 extra allowance, apply the annual withholding rates for single or married employees, and divide by the number of paychecks. Booklet A's example, a single employee paid $500 a week with three allowances, gives $497.99 a year, or $9.58 a week.
How much Hawaii tax is withheld on a $60,000 salary?+
For a single employee paid biweekly with no allowances, $59,999.94 less the $4,350 extra allowance is $55,649.94. The withholding is $2,539 plus 7.6% of the amount over $48,000, about $3,120.40 a year, or $120.02 per paycheck. TDI adds about $11.54.
What is the Hawaii TDI deduction?+
Temporary Disability Insurance replaces part of your wages if you are off work for a non-work-related illness or injury. Your employer may deduct up to half the cost, but no more than 0.5% of your weekly wages and never more than $7.50 a week in 2026.
How many allowances can I claim on Form HW-4?+
One for yourself, one if you are single with one job (or married with one working spouse), one for your spouse if not claiming their own, one each for age 65, one per dependent, one for $250 of estimated credits, one if you file as head of household, and more for large itemized deductions.
Does Hawaii tax 401(k) or HSA contributions?+
No. Hawaii follows the federal rules for 401(k) deferrals, cafeteria plans and health savings accounts, so those contributions reduce Hawaii wages.
Does Hawaii have a county income tax?+
No. Hawaii's counties do not tax wages, so the only Hawaii deductions on a typical paycheck are state income tax and TDI.
What is the minimum wage in Hawaii?+
$16.00 an hour from January 1, 2026.
Sources
- Hawaii Department of Taxation — Booklet A, Employer's Tax Guide (Rev. 2025, for 2026 wages)
- Hawaii Department of Taxation — 2026 Employer Payroll Updates
- Hawaii Revised Statutes chapter 235 (Department of Taxation compilation)
- Hawaii DLIR — 2026 Maximum Weekly Wage Base (TDI)
- U.S. Department of Labor — State Minimum Wage Laws
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods
- IRS Publication 15 (2026), Employer's Tax Guide
- Social Security Administration — 2026 COLA Fact Sheet