New Hampshire Paystub Generator - Zero State Tax, Three Deduction Lines, Simplest Stub in America, Free Preview
Last updated: | ePaystubs Editorial Team
New Hampshire doesn't take a single cent of your paycheck for state taxes. Never has on wages. And the old Interest and Dividends tax that used to hit investment income? That was fully repealed on January 1, 2025. Some tax guides online still show it at 1% or even 5% for 2026. Both numbers are wrong. The I&D tax is gone. Your New Hampshire pay stub has three mandatory deduction lines: federal income tax, Social Security, and Medicare. That's it. No state tax line. No PFML. No disability insurance. No local tax. Three lines and you're done.
Our New Hampshire paystub generator builds a clean, accurate stub with zero state withholding, the correct federal calculations per the IRS, and nothing else cluttering up the document. Two minutes. No signup. Free preview. Works for employees, contractors, and small business owners across Manchester, Nashua, Concord, Portsmouth, Keene, Laconia, and all of New Hampshire.
| State Income Tax on Wages | 0%. New Hampshire has never taxed wages. |
| Interest & Dividends Tax | FULLY REPEALED January 1, 2025 (per HB 2, 2023). Some sites still show 1% or 5%. |
| Local Income Tax | None anywhere in New Hampshire |
| Sales Tax | None (one of only 5 states with no sales tax) |
| Mandatory Stub Lines | 3 only: Federal, Social Security, Medicare |
| SDI / PFML | None |
| Pay Frequency | Weekly required for most employees (RSA 275:43) |
| Termination Pay | Within 72 hours (RSA 275:44) |
| Minimum Wage | No state law. Federal $7.25/hr via FLSA. |
| State Withholding Form | None needed (no state income tax) |
"I moved from Boston to Nashua last year. My first NH paycheck was almost $200 more per biweekly than what I was getting in Massachusetts on the same salary. No state tax line, no PFML line. Just three deductions. I didn't believe it at first."
"I manage a ski lodge near Loon Mountain and we hire seasonal workers every winter. The stubs are dead simple. Federal, Social Security, Medicare. No state form to file. This tool had everything set up for New Hampshire and I had six stubs printed in fifteen minutes."
New Hampshire Has Zero State Tax on Your Pay Stub. Here's What That Actually Looks Like.
Most state pay stubs have four, five, six, or even eight mandatory deduction lines. Maryland combines state and county tax into one "STATE TAX" line. Minnesota just added two new PFML lines. Michigan has city income taxes. Massachusetts has no standard deduction and a PFML deduction. New Hampshire has none of that. Your stub looks like this:
| Deduction Line | Rate | Who Requires It |
|---|---|---|
| Federal Income Tax | 10% to 37% (based on W-4 and income) | IRS |
| Social Security | 6.2% (up to $184,500 wage base) | IRS / SSA |
| Medicare | 1.45% (+ 0.9% Additional Medicare over $200K) | IRS |
| New Hampshire State Tax | Does not exist. No line on your stub. | |
| Local/City Tax | Does not exist. | |
| State Disability (SDI/TDI) | Does not exist. | |
| Paid Family Leave (PFML) | Does not exist. | |
Three lines. That's what makes New Hampshire, along with Texas, Florida, Wyoming, South Dakota, Alaska, and Tennessee, one of the states where your paycheck has the fewest mandatory deductions. You don't even need a state withholding form. There's no New Hampshire equivalent of the W-4MN or MI-W4 or Form M-4 or MW507. Just the federal W-4, and you're set.
The Interest and Dividends Tax Is Fully Gone (Two Online Sources Still Show Old Rates)
New Hampshire used to charge a tax on interest and dividend income. Not wages. Just investment earnings like stock dividends, bond interest, and mutual fund distributions. The rate was 5% for years. In 2021, the legislature passed a phase-out plan to eliminate it by 2027, cutting the rate by 1% each year. Then in 2023, House Bill 2 accelerated the repeal by two full years.
| Year | I&D Tax Rate | What Happened |
|---|---|---|
| Pre-2023 | 5% | Long-standing rate |
| 2023 | 4% | Phase-out begins (2021 legislation) |
| 2024 | 3% | Final year of the tax |
| 2025+ | 0% (REPEALED) | HB 2 (2023) accelerated repeal to Jan 1, 2025 |
Per RemoteLaws (February 2026), citing the official NH DRA Technical Information Release (TIR 2025-001): "The repeal was enacted by House Bill 2 (Chapter 79, Sections 86-88, Laws of 2023) and accelerated from an original 2026 repeal date to January 1, 2025."
But if you check one major tax guide, they still show "1% in 2026, eliminated January 1, 2027." That's the ORIGINAL pre-HB2 schedule, not the accelerated one. Another paycheck calculator shows "flat tax of 5% on interest and dividend income," which hasn't been accurate since 2022. If you see either of those numbers, the source hasn't been updated for the 2023 acceleration.
For pay stub purposes, the I&D tax never appeared on your stub anyway because it wasn't withheld from paychecks. But the repeal matters for total tax planning. If your only income is wages, New Hampshire takes $0. If you also have investment income, New Hampshire takes $0 on that too. Zero across the board.
Living in New Hampshire vs. Working in Massachusetts: The $3,600 Per Year Difference
This is the comparison that hundreds of thousands of workers on both sides of the border think about every day. The I-93 corridor from Nashua to Boston carries massive commuter traffic. Workers in Salem, Nashua, Manchester, and Derry regularly evaluate whether the NH side or the MA side makes more financial sense. Here's the actual math for 2026.
Paycheck Comparison: $70,000 Salary
| Deduction | New Hampshire Worker | Massachusetts Worker |
|---|---|---|
| Federal Income Tax | ~$8,200 | ~$8,200 |
| Social Security (6.2%) | $4,340 | $4,340 |
| Medicare (1.45%) | $1,015 | $1,015 |
| State Income Tax | $0 | ~$3,280 (5% on ~$65,600, no std deduction) |
| State PFML | $0 | ~$322 (0.46%) |
| Total Annual Deductions | ~$13,555 | ~$17,157 |
| Annual Take-Home | ~$56,445 | ~$52,843 |
The New Hampshire worker takes home roughly $3,602 more per year. That's about $138 more per biweekly check. On the same salary, doing the same work, the only difference is which side of the state line you live on.
But What About Property Taxes?
New Hampshire's property taxes are the highest in New England. Per VisaVerge, the median effective rate is approximately 1.61% with median annual bills of $6,372. Massachusetts' effective rate runs closer to 1.2%. On a $400,000 home:
| State | Effective Rate | Annual Property Tax |
|---|---|---|
| New Hampshire | ~1.61% | ~$6,440 |
| Massachusetts | ~1.20% | ~$4,800 |
| Difference | ~$1,640 more in NH |
Net comparison for a homeowner on a $400K home earning $70K: NH saves $3,602 on income tax and PFML, but pays $1,640 more in property tax. Net advantage: roughly $1,962/year in favor of New Hampshire.
Net comparison for a RENTER earning $70K: NH saves $3,602 on income tax and PFML. No property tax to offset. NH wins by the full $3,602/year.
The breakeven point shifts as home values go up. On an $800,000 home, NH property tax is roughly $12,880 vs. MA's $9,600, a $3,280 gap that nearly wipes out the $3,602 income tax savings. For high-income earners in expensive homes, the advantage narrows. For renters and moderate-income homeowners, New Hampshire's zero income tax is a clear win.
What Gets Taken Out of a New Hampshire Paycheck: Two 2026 Examples
Nashua Tech Worker, $40/hr, Biweekly
Setup: Megan works at a defense contractor in Nashua. She earns $40/hr, biweekly, 80 hours, files Single.
| Line Item | Amount |
|---|---|
| Gross Pay (80 hrs x $40.00) | $3,200.00 |
| Federal Income Tax (per IRS Pub. 15) | - $416.00 |
| Social Security, 6.2% (per IRS Topic 751) | - $198.40 |
| Medicare, 1.45% | - $46.40 |
| State Tax | $0 |
| Estimated Net Pay | About $2,539 |
The same worker in Massachusetts would net about $2,379 after 5% state tax (~$160) and 0.46% PFML (~$14.72) are deducted. That's $160 less per biweekly check, or roughly $4,160 per year. Same job title. Same hourly rate. The only difference is the state line.
Seasonal Worker, $15/hr, Biweekly
Setup: Jake works at a lake resort near Winnipesaukee during the summer. He earns $15/hr, biweekly, 80 hours, files Single.
| Line Item | Amount |
|---|---|
| Gross Pay (80 hrs x $15.00) | $1,200.00 |
| Federal Income Tax | - $78.00 |
| Social Security, 6.2% | - $74.40 |
| Medicare, 1.45% | - $17.40 |
| Estimated Net Pay | About $1,030 |
Three deduction lines on both stubs. No fifth line for state disability. No sixth line for paid family leave. No line for city tax. The seasonal worker keeps about 85.8% of gross pay (after federal taxes and FICA). In Massachusetts, the same worker would keep closer to 80% after the 5% state tax and PFML are factored in.
Estimates based on 2026 federal rates and standard withholding. Actual amounts depend on your W-4 and voluntary deductions. Use the generator for your exact numbers.
Weekly Pay Required: New Hampshire Is One of the Strictest States
Under NH RSA 275:43, most employees must be paid weekly. This matches Massachusetts as one of the two strictest pay frequency requirements in the country. Semi-monthly and monthly pay schedules aren't allowed for most non-exempt workers.
For employers, weekly pay means 52 payroll runs per employee per year. That's twice as many as bi-weekly (26) and four times as many as monthly (12). Each run generates a stub. If you manage a team of 20 employees, you're producing 1,040 pay stubs per year. Our generator handles weekly pay periods and calculates YTD totals across all 52 cycles.
72-Hour Final Paycheck for Terminated Employees
Under NH RSA 275:44, if you fire an employee, their final paycheck must be issued within 72 hours. If the employee quits voluntarily, you have until the next regular payday. The 72-hour rule is among the strictest in the country and means you need to be able to generate an accurate final stub quickly.
New Hampshire Payroll Requirements 2026: What Every Employer Needs to Know
| Requirement | What New Hampshire Requires | Official Source |
|---|---|---|
| State income tax on wages | None (0%). Never had one. | NH DRA |
| Interest & Dividends Tax | Repealed Jan 1, 2025 (HB 2, 2023) | RemoteLaws / NH DRA TIR 2025-001 |
| Local income tax | None anywhere | NH DRA |
| Sales tax | None (one of 5 states) | NH DRA |
| State withholding form | Not needed (no state income tax) | NH DRA |
| Pay frequency | Weekly for most employees | RSA 275:43 |
| Termination pay | Within 72 hours | RSA 275:44 |
| Minimum wage | No state law. Federal $7.25/hr via FLSA. | Federal FLSA |
| Overtime | 1.5x after 40 hrs/week (FLSA) | U.S. DOL |
| State disability insurance | None | N/A |
| Paid family leave | None (voluntary program exists, not mandatory) | N/A |
| New hire reporting | Within 20 days | NH Employment Security |
New Hampshire SUI (State Unemployment Insurance), 2026
Employer-paid only. Per NewHampshirePayrollGuide, the taxable wage base is $14,000 per employee. New employer rate is approximately 2.7%. This is the only payroll "tax" that NH employers owe to the state. Workers don't pay any portion of SUI.
Business Taxes (Not Payroll, But Worth Knowing)
New Hampshire charges a 7.5% Business Profits Tax (BPT) and 0.55% Business Enterprise Tax (BET) on businesses with gross receipts over $92,000. These are business-level taxes, not payroll deductions. They don't appear on any employee's pay stub. The BET includes compensation paid to employees as part of its tax base, which is why some people confuse it with a payroll tax. It's not. Per CountryTaxCalc, BET paid can be credited against BPT owed, so there's no double taxation in practice.
Who Uses the New Hampshire Paystub Generator?
Tech and Defense Workers (Nashua/Manchester Corridor)
BAE Systems has over 7,000 employees in Nashua. Fidelity Investments operates a major campus in Merrimack. DEKA Research (Dean Kamen's company, maker of the SegwayTM and medical devices) is based in Manchester. Oracle, Sig Sauer (Newington), and dozens of smaller tech companies line the Route 101 and I-93 corridors. Many of these companies relocated from Massachusetts or expanded into NH specifically to take advantage of the zero income tax. Workers at these companies have the simplest stubs in America.
Cross-Border Commuters
Tens of thousands of workers live in southern NH (Salem, Nashua, Derry, Londonderry) and commute into Massachusetts for work. Their paychecks show Massachusetts withholding because they work in MA. But workers who both live AND work in New Hampshire see zero state deductions. The comparison drives constant interest in NH vs. MA payroll math. If you're a NH resident working remotely for a Massachusetts employer, your tax situation may depend on where you physically perform the work.
Dartmouth-Hitchcock and Healthcare Workers
Dartmouth-Hitchcock Medical Center in Lebanon is the largest employer in the Upper Valley region. Concord Hospital, Elliot Hospital (Manchester), and Catholic Medical Center serve communities across the state. Healthcare workers from RNs to administrators all benefit from the zero state tax line.
Tourism and Seasonal Workers
The White Mountains draw skiers all winter (Loon Mountain, Cannon, Wildcat, Bretton Woods, Cranmore). Lake Winnipesaukee, Lake Sunapee, and the Seacoast (Hampton Beach, Rye, Portsmouth) draw visitors all summer. Hotels, restaurants, and recreation companies hire seasonal workers who need pay stubs for housing applications, unemployment claims during the off-season, and loan documentation. No state tax line simplifies the stub.
Small Business Owners and Contractors
A restaurant in Portsmouth. A construction crew in Keene. A dental practice in Laconia. A maple syrup producer in the North Country. New Hampshire small businesses enjoy the simplest payroll in the country: no state withholding form, no state income tax calculation, no SDI, no PFML. Just federal taxes and you're done. Self-employed workers carry the full 15.3% FICA self-employment tax per IRS rules.
How to Create a New Hampshire Pay Stub: 3 Steps
New Hampshire payroll is the simplest in America. No state form. No state rate. No local tax. Just federal calculations and done.
-
Enter company and employee info
Business name, address, employee name, address, pay period dates. No state withholding form is needed. Just the federal W-4 information. Select weekly pay frequency (required for most NH employees under RSA 275:43). -
Enter earnings and deductions
Hourly rate or salary, hours worked, any overtime (1.5x after 40 hours). Add voluntary deductions like 401(k), health insurance, etc. The tool calculates federal income tax, Social Security (6.2%), and Medicare (1.45%). No state calculations needed. -
Free preview, then download
Check every line. Gross pay, three mandatory deductions (federal, SS, Medicare), voluntary deductions, net pay, YTD totals. Clean. Simple. Download when satisfied.
When You Need a New Hampshire Pay Stub as Proof of Income
Renting in Manchester, Nashua, Portsmouth, or Anywhere in NH
Southern New Hampshire's rental market is competitive, driven by Boston commuters seeking lower costs and zero state income tax. Manchester, Nashua, and Salem have seen rising rents. Landlords want two to three recent stubs showing gross monthly income of at least 2.5 times the rent. NH stubs look cleaner than MA stubs because there's no state tax line, which some landlords unfamiliar with NH's tax structure may question. Having the "zero state tax" context helps.
Mortgage Applications
NH home prices in the I-93 corridor (Nashua, Manchester, Bedford, Londonderry) are above the national median. The Seacoast (Portsmouth, Rye, Exeter) is among the most expensive in the state. Lenders want your two most recent stubs plus W-2s. A stub with only three deduction lines looks unusual to underwriters used to seeing state tax lines. Having a clean, accurately formatted stub prevents underwriting delays.
Off-Season Documentation for Seasonal Workers
Ski resort workers, lake tourism staff, and summer camp employees need pay documentation for unemployment claims and housing applications between seasons. Stubs from the previous season serve as proof of earnings and work history.
New Hampshire DHHS Programs
The New Hampshire Department of Health and Human Services requires current income documentation for SNAP, NH Medicaid, and other assistance programs through the NH EASY portal. Pay stubs are the standard accepted income document.
New Hampshire vs. Neighboring States: The Full 2026 Tax Comparison
| State | Income Tax | PFML? | Sales Tax? | Stub Lines (Mandatory) |
|---|---|---|---|---|
| New Hampshire | 0% | No | No | 3 |
| Massachusetts | 5% flat (+4% surtax on $1.1M+) | Yes (0.46%) | 6.25% | 5-6 |
| Maine | 5.8%-7.15% (3 brackets) | Yes (0.5%, new May 2026) | 5.5% | 5-6 |
| Vermont | 3.35%-8.75% (4 brackets) | No statewide | 6% | 4 |
New Hampshire is the only state in northern New England with zero income tax AND zero sales tax. Massachusetts charges 5% on income, 6.25% on purchases, and 0.46% for PFML. Maine charges up to 7.15% on income, 5.5% on purchases, and just launched PFML at 0.5%. Vermont hits 8.75% at the top bracket and 6% on purchases. A New Hampshire worker who shops in New Hampshire pays zero on income and zero on retail purchases. That double-zero advantage is what drives the "Live Free or Die" brand.
Common Questions About New Hampshire Pay Stubs
Does New Hampshire have income tax?
No. New Hampshire has never taxed wages or salaries. The old Interest and Dividends tax on investment income was fully repealed January 1, 2025 per HB 2 (2023). As of 2026, there is zero New Hampshire tax on any personal income. Some sources still show the I&D tax at 1% or 5%. Both are outdated. Sources: RemoteLaws (NH DRA TIR 2025-001), VisaVerge.
What deductions appear on my NH pay stub?
Three mandatory lines: federal income tax, Social Security (6.2%), and Medicare (1.45%). No state tax line. No disability insurance. No paid family leave. No local tax. This is one of the simplest pay stub structures in America.
How does NH compare to Massachusetts for taxes?
On $70,000 income: Massachusetts takes roughly $3,602/year in state tax and PFML. New Hampshire takes $0. For renters, NH wins by the full $3,602. For homeowners, NH's higher property taxes (~1.61% vs MA's ~1.2%) offset part of the savings. On a $400,000 home, the net advantage is still roughly $1,962/year in NH's favor.
Does New Hampshire require weekly pay?
Yes. Under RSA 275:43, most employees must be paid weekly. This is one of the strictest pay frequency rules in the country. Terminated employees must receive final wages within 72 hours under RSA 275:44.
What is New Hampshire minimum wage?
No state minimum wage law exists. The federal $7.25/hr under FLSA applies. Despite the low legal floor, most NH jobs pay well above $7.25 because of competition with Massachusetts employers just across the border.
Is the I&D tax still in effect?
No. Fully repealed January 1, 2025. The original plan was to eliminate it by 2027 (1% per year phase-down). HB 2 (2023) accelerated the repeal by two years, jumping from 3% in 2024 to 0% in 2025. If a source shows 1% for 2026 or 5%, they haven't updated for the 2023 acceleration.
Does New Hampshire have sales tax?
No. No state sales tax and no local sales tax anywhere. The 8.5% Rooms and Meals Tax applies to restaurant meals, hotel stays, and car rentals, but retail purchases are not taxed. This "double zero" (no income tax, no sales tax) is shared with only a few other states.
Official Sources Referenced on This Page
RemoteLaws (February 2026, citing NH DRA TIR 2025-001) confirmed the I&D tax repeal was enacted by HB 2 (Chapter 79, Sections 86-88, Laws of 2023), effective January 1, 2025, and accelerated from the original 2026 repeal date.
VisaVerge (December 2025) confirmed the full repeal of the I&D tax, the 1.61% median effective property tax rate, and $6,372 median annual property tax bill.
New Hampshire Bulletin (October 2024) confirmed the I&D tax was "phased out since 2022 and will be eliminated for the 2025 tax year and beyond."
Green Trader Tax (September 2025) confirmed the I&D repeal and clarified that capital gains were never subject to the I&D tax.
NewHampshirePayrollGuide confirmed weekly pay requirement, 72-hour termination pay, SUI wage base ($14,000), and I&D phase-out.
CountryTaxCalc (2026 guide) provided property tax analysis, BPT/BET business tax context, and 8.5% Rooms and Meals Tax details. Note: their I&D rate of "1% in 2026" uses the pre-HB2 schedule.
NH RSA 275:43 covers the weekly pay requirement. RSA 275:44 covers the 72-hour termination pay rule.
NH DHHS covers income verification for SNAP, Medicaid, and assistance programs.
IRS Topic 751 covers FICA rates (6.2% SS, 1.45% Medicare). SSA confirms the 2026 wage base at $184,500. IRS Publication 15 provides federal withholding tables.
Ready to Create Your New Hampshire Pay Stub?
New Hampshire payroll is the simplest in America. Zero state income tax. Zero state withholding form. Zero disability insurance. Zero paid family leave. Three deduction lines and you're done. Some online sources still show old I&D tax rates. Ours shows zero because that's what the law says. Our generator builds a clean stub with the correct federal calculations and nothing else.
Free preview. No signup. Federal calculations per IRS. Updated June 2026.