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Washington Paycheck Calculator 2026: WA Take-Home

Washington Paycheck Calculator

This Washington paycheck calculator shows your real take-home for 2026. Washington has no state income tax, but two payroll premiums still come out, the WA Cares Fund and Paid Family and Medical Leave, which many calculators miss. Estimate your pay from a salary or hourly wage with every line included, then build a pay stub from the same numbers.

  • Washington has no state income tax on wages for 2026
  • But WA Cares (0.58%) and Paid Leave premiums do come out
  • Federal tax, Social Security and Medicare for 2026
  • No local or city income tax anywhere in Washington

2026 figures based on the Washington Employment Security Department Paid Leave premium and WA Cares Fund rate, plus IRS. Last updated September 2026.

Estimated Take-Home Pay

$4,129.81
Gross Pay$5,000.00
Federal Income Tax-$418.33
Washington State Tax$0.00
Paid Leave & WA Cares-$69.36
FICA (Social Security & Medicare)-$382.50
Net Pay$4,129.81

Example: $60,000 salary, single filer, paid monthly, 2026 rates. Washington has no income tax, but the Paid Leave and WA Cares premiums ($69 a month here) are lines many calculators leave out.

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Washington has no income tax, but two payroll premiums most calculators miss

Washington is famous for having no state income tax, and that is true, there is no tax on your wages and no local income tax either. But a Washington paycheck is not quite federal-and-FICA only. Two employee premiums come out: Paid Family and Medical Leave, about 0.81% of pay, and the WA Cares Fund for long-term care, 0.58% of pay with no cap. Together they are about 1.39% of wages, roughly $832 a year at $60,000. Calculators that skip them overstate your take-home. This one includes every line and itemizes it like a real pay stub.

Calculate Your Washington Take-Home Pay for 2026

Salary or hourly, any pay schedule. It applies the 2026 IRS federal brackets and 7.65% FICA, plus Washington's Paid Leave premium and the WA Cares Fund. There is no state income tax. It updates as you type.

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estimated take-home pay per paycheck

Want these numbers on a document? Turn this estimate into a Washington pay stub with the same 2026 math, preview before you download.

How this calculator works: it applies the 2026 IRS federal brackets and 7.65 percent FICA. Washington has no state income tax. It then adds the two Washington employee premiums: Paid Family and Medical Leave at about 0.81% of wages up to $184,500, and the WA Cares Fund at 0.58% of all wages with no cap. If you have an approved WA Cares exemption, uncheck the WA Cares box.

Where Your Washington Paycheck Goes in 2026

Washington takes no income tax, but the Paid Leave and WA Cares premiums are real deductions. Here is what a single filer pays in each at every salary for 2026, from this site's verified calculator, next to the take-home. These are the lines generic calculators tend to leave out.

Annual salaryState income taxPaid Leave (PFML)WA Cares (0.58%)Take-home per year
$40,000$0$323$232$33,765
$50,000$0$404$290$41,661
$60,000$0$484$348$49,558
$75,000$0$605$435$60,552
$100,000$0$807$580$77,793
$150,000$0$1,211$870$111,710
No state income tax, so take-home stays high WA Cares has no wage cap, so it applies to every dollar

The Two Washington Payroll Premiums at a Glance

These are the two state-level deductions a Washington paycheck carries in 2026, both set by the Employment Security Department. Neither is an income tax, but both come straight off your check.

DeductionEmployee rateWage capWhat it funds
Paid Family & Medical Leave (PFML)about 0.81% (71.43% of 1.13%)$184,500Paid time off for illness, a new child, or family care
WA Cares Fund0.58%NonePublic long-term care insurance
PFML stops once wages pass $184,500 WA Cares keeps going on every dollar, all year

How to Calculate Your Washington Paycheck

1Start with gross payYour salary per pay period, or hourly rate times hours, plus time and a half for overtime past 40 hours.
2Remove pre-tax deductions401(k) and health premiums come out first and lower the income that gets taxed federally.
3Apply federal, FICA and WA premiums2026 federal brackets, 7.65% FICA, plus the Paid Leave and WA Cares premiums. No state income tax.
4What's left is take-homeWashington has no local income tax, so there's no extra city or county line to subtract.

You don't have to do this by hand. The paystub generator runs every line and puts it on a downloadable stub. If your check looks smaller than expected, our guide to why paychecks come out low explains where it goes.

How Washington Paycheck Taxes Work

Washington is one of the best states in the country for take-home pay, because it has no state income tax at all, and no local income tax either. Your wages are never taxed by the state, so most of what comes out of your check is federal: the 2026 federal brackets from 10% to 37%, plus 7.65% FICA for Social Security and Medicare. That is why a Washington paycheck is much larger than the same salary in a high-tax state.

What sets Washington apart from a pure no-tax state like Nevada or Texas is two state payroll premiums that many calculators forget. The first is Paid Family and Medical Leave, funded by a premium of 1.13% of wages for 2026, of which employees pay 71.43%, about 0.81% of your pay, up to the Social Security wage cap of $184,500. The second is the WA Cares Fund, Washington's long-term care program, funded by a 0.58% employee premium on all wages with no cap. Together they take about 1.39% of a typical paycheck, so a $60,000 earner pays roughly $832 a year that a simple no-tax calculator would miss. Pre-tax deductions like a 401(k) or a health premium lower your federal tax, and after federal tax, FICA and these two premiums, the rest of your pay is yours.

Hourly Pay and the Minimum Wage

An hourly wage gets annualized first. Washington has one of the highest state minimum wages in the country, about $17 an hour for 2026, adjusted for inflation each year, and many cities like Seattle set even higher local minimums. At $25 an hour, 40 hours a week is about $52,000 a year, and a single filer nets close to $1,663 on a biweekly check after federal tax, FICA and the two Washington premiums, with no state income tax. The gap between one check and your year-to-date totals is explained in our guide to current vs YTD on a pay stub.

Overtime in 2026: Washington has no state income tax on overtime, but the Paid Leave and WA Cares premiums and FICA still apply to it. The only federal break is the deduction of up to $12,500 of overtime premium ($25,000 joint, through 2028) claimed on your federal return. Your W-2 carries the amount, explained in our guide to overtime on the W-2.

Washington Paycheck FAQ

How much is taken out of a paycheck in Washington?
Washington has no state income tax, so a Washington paycheck loses federal income tax, 7.65% FICA, and two state payroll premiums: the Paid Family and Medical Leave premium of about 0.81% and the WA Cares Fund of 0.58%. A single filer earning $60,000 keeps about $49,558 a year, roughly a 17.4% effective rate. The two state premiums add about $832 a year, which many calculators leave out.
Does Washington have a state income tax?
No. Washington has no state income tax on wages and no local income tax. But it is not quite a pure no-tax state for paychecks, because two employee payroll premiums come out: Paid Family and Medical Leave and the WA Cares Fund for long-term care. Together they are about 1.39% of wages. So a Washington check keeps more than a taxed state, but slightly less than a state with no premiums.
What is the WA Cares deduction on my Washington paycheck?
WA Cares is Washington's public long-term care insurance program, funded by an employee payroll premium of 0.58% of all your wages, with no wage cap, so it applies to every dollar you earn. A $60,000 earner pays about $348 a year. In exchange, eligible workers can claim a long-term care benefit later in life. It appears as its own line on your pay stub and is separate from the Paid Leave premium.
What is the Paid Leave (PFML) deduction in Washington?
Paid Family and Medical Leave (PFML) is Washington's paid leave program. For 2026 the total premium is 1.13% of wages up to the Social Security cap of $184,500, and employees pay 71.43% of it, which works out to about 0.81% of your wages. A $60,000 earner pays about $484 a year. It funds paid time off for a serious health condition, a new child, or caring for a family member, and it is a separate line from WA Cares.
How much is $60,000 after taxes in Washington?
About $49,558 a year for a single filer in 2026, close to $4,130 a month or $1,906 on a biweekly check, after federal tax, FICA, about $484 of Paid Leave premium and $348 of WA Cares. There is no state income tax and no local tax. A Washington paycheck keeps much more than in a taxed state, just slightly less than the headline no-tax figure because of the two premiums.
Does Washington have a local income tax?
No. No Washington city or county levies a local income tax on wages. Seattle, Spokane, Tacoma and every other city take nothing from your paycheck in income tax. The only state-level deductions are the Paid Leave premium and the WA Cares Fund, both set at the state level, so there is no extra local wage tax anywhere in Washington.
How much is $75,000 after taxes in Washington?
A single filer earning $75,000 keeps about $60,552 a year in 2026, roughly $5,046 a month or $2,329 on a biweekly check, an effective rate near 19.3%, all federal tax, FICA, and the two Washington premiums. There is no state income tax. Married filing jointly at $75,000 keeps about $63,582, since the federal tax is lower.
How much is $100,000 after taxes in Washington?
A single filer earning $100,000 keeps about $77,793 a year in 2026, close to $6,483 a month or $2,992 biweekly, an effective rate near 22.2%. That is after federal tax, FICA, about $807 of Paid Leave premium and $580 of WA Cares, with no state income tax. Because there is no income tax, Washington take-home is thousands more than in a high-tax state at this salary.
How much do I take home on $25 an hour in Washington?
At $25 an hour full time, about $52,000 a year, a single Washington worker keeps roughly $43,241 in 2026, close to $3,603 a month or $1,663 on a biweekly check, an effective rate near 16.8%. That is after federal tax, FICA, about $420 of Paid Leave and $302 of WA Cares, with no state income tax. Enter your own hourly rate and hours above to see your exact number.
Can I opt out of WA Cares?
For most workers, no. The one-time window to opt out with a private long-term care policy closed at the end of 2022, so employees who did not have an approved exemption then now pay the 0.58% WA Cares premium. A few narrow exemptions exist, for example for some workers who live out of state or have certain visas. If you have an approved exemption on file, you can uncheck WA Cares in this calculator to see your take-home without it.
How is overtime taxed in Washington?
Overtime is subject to federal tax, FICA, and the two Washington premiums, but there is no state income tax on it. There is no special overtime tax rate. A large check with overtime can have more federal tax withheld for that period, but any over-withholding comes back at tax time. The federal deduction of up to $12,500 of overtime premium can also lower your federal tax.
How much is $50,000 after taxes in Washington?
A single filer earning $50,000 keeps about $41,661 a year in Washington in 2026, roughly $3,472 a month or $1,602 on a biweekly check, an effective rate near 16.7%. That is after federal tax, FICA, about $404 of Paid Leave premium and $290 of WA Cares. There is no state income tax and no local tax, so the only Washington-specific deductions are the two premiums.
How much is $40,000 after taxes in Washington?
A single filer earning $40,000 keeps about $33,765 a year in Washington in 2026, close to $2,814 a month or $1,299 on a biweekly check, an effective rate near 15.6%. That is after federal tax, FICA, about $323 of Paid Leave premium and $232 of WA Cares, with no state income tax. At this income the two Washington premiums come to about $555 for the year.
How much do I take home on $20 an hour in Washington?
At $20 an hour full time, about $41,600 a year, a single Washington worker keeps roughly $35,029 in 2026, close to $2,919 a month or $1,347 on a biweekly check, an effective rate near 15.8%. That is after federal tax, FICA, about $336 of Paid Leave and $241 of WA Cares, with no state income tax. Enter your own rate and hours in the calculator above for your exact figure.
How much is $150,000 after taxes in Washington?
A single filer earning $150,000 keeps about $111,710 a year in Washington in 2026, roughly $9,309 a month or $4,297 on a biweekly check, an effective rate near 25.5%. That is after federal tax, FICA, about $1,211 of Paid Leave premium and $870 of WA Cares. Because Washington has no income tax, take-home at this salary is several thousand dollars more than in a high-tax state like California or Oregon.
Does the WA Cares premium have a wage cap?
No. The WA Cares Fund premium of 0.58% applies to every dollar of your wages with no cap, so a high earner keeps paying it on income above $184,500. The Paid Leave premium is different: it only applies up to the Social Security wage base of $184,500 for 2026 and stops above that. So on a $250,000 salary, WA Cares keeps growing but the Paid Leave premium is frozen at its cap. Most calculators handle neither correctly.
Why is my Washington paycheck bigger than in Oregon or California?
Because Washington has no state income tax, while Oregon and California both tax wages heavily, with top rates near 9.9% and 13.3%. A $85,000 single earner keeps about $67,448 in Washington in 2026, versus thousands less in Oregon or California after their state income tax. Washington still takes the two payroll premiums, about 1.39% of wages, but that is far below what a neighboring income-tax state withholds.

Turn your Washington estimate into a pay stub

Enter your pay and the generator runs the full 2026 Washington math, federal tax, FICA, Paid Leave and WA Cares. Preview it, then download when it looks right.

Create a Washington Pay Stub →

Disclaimer: Estimates are for education, based on Washington having no state income tax, the 2026 Washington Employment Security Department Paid Leave premium (1.13% total, 71.43% employee) and WA Cares Fund rate (0.58%), and federal rates. Some workers have an approved WA Cares exemption. Your actual pay depends on your W-4 and benefits. This isn't tax advice; confirm with the Washington Employment Security Department or a tax professional. Comparison figures use this site's own 2026 calculators.

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