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Hawaii Paycheck Calculator

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Use SmartAsset's paycheck calculator to calculate your take home pay per paycheck for both salary and hourly jobs after taking into account federal, state, and local taxes.

Overview of Hawaii Taxes

Residents of the beautiful volcanic islands are subject to a variable income tax system, with nine tax brackets. Rates range from 1.4% to 8.25%. Luckily, Hawaiians aren’t subjected to local taxes.

This calculator reflects the 2018 federal withholding tax changes.
Click here to learn more about how the Trump Tax Plan will affect you.

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Federal Income --% $--
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  • Our Tax Expert

    Jennifer Mansfield, CPA Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

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Hawaii Paycheck Quick Facts
  • Hawaii income tax rate: 1.4% - 8.25%.
  • Median household income: $71,977 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Hawaii Paycheck Works

Your Hawaii employer will be responsible for withholding FICA and federal income taxes from all your paychecks. Your employer withholds 1.45% of your earnings for Medicare taxes and 6.2% for Social Security. Your employer will then match these amounts, so the total contributions are double those percentages. Any earnings that exceed $200,000, are subject to an additional 0.9% in Medicare taxes which is not matched. If you are self-employed you must pay the total 2.9% in Medicare taxes and 12.4% in Social Security yourself. Together these charges make up FICA taxes.

Additionally, federal income taxes are withheld from each of your paychecks and sent to the IRS toward your annual income taxes. How much your employer withholds in federal income taxes depends on the information you provided when you filled out your W-4 form. You need to fill out a new W-4 every time you start a new job or if you want to make a change to your allowances.

In December 2017, President Trump signed a new tax plan into law. The IRS has since released updated tax withholding guidelines and taxpayers should have seen changes to their paychecks, to reflect the new tax plan, starting in February 2018. For the time being, taxpayers do not need to fill out a new W-4. Employers will use the withholdings on your current form.

One factor that affects how much in taxes will be withheld from your pay is your marital status as well as whether or not you’re filing separately from your spouse. If you’re a same-sex couple, know that not all states recognize those unions, though you can file federal taxes together. Having dependents also means that you might be eligible for more withholding allowances, which might mean you have to pay less taxes. Generally, the more allowances you claim, the bigger your paycheck will be. But if you claim too many allowances, you risk underpaying your taxes all year and being hit with a massive bill come tax season.

The frequency of your paycheck will also affect its size. If you are paid once a month, your paycheck will be bigger than if you are paid bi-weekly. If you’re paid bi-weekly, that might also make it easier to budget as you have money coming in a couple times a month.

Another factor that affects your take-home pay is whether you or not you make any pre-tax contributions. Putting money aside in company benefit programs like a Health Savings Account (HSA), retirement accounts like a 401(k) or commuter benefits, will help you save money because it lowers your taxable income.

Finally, if you pay for health insurance for you, your spouse and/or your children through your employer that money will come out of your paycheck.

Hawaii Median Household Income

YearMedian Household Income

Aloha residents face nine tax rates in total, depending on their income level. Single filers and married people, filing separately are taxed at 1.4% on the first $2,400 of taxable income earned; at 3.2% up to $4,800; 5.5% up to $9,600; 6.4% up to $14,400; 6.8% up to $19,200; 7.2% up to $24,000; 7.6% up to $36,000; 7.9% up $48,000 and 8.25% on the highest bracket, which is income over $48,000. The tax brackets are the same for couples filing jointly, but the income brackets are doubled.

Hawaii doesn’t charge local taxes, so you’re off the hook for that one.

If you’re part of the U.S. Coast Guard, Marine Corps, Air Force, Navy, a member of the reserve components of the Army or the Hawaii National Guard, you’re exempt from paying taxes on the first $6,410 you earn. If you decide to file jointly and your spouse also qualifies, then your exclusion doubles.

Income Tax Brackets

Single Filers
Hawaii Taxable IncomeRate
$0 - $2,4001.40%
$2,400 - $4,8003.20%
$4,800 - $9,6005.50%
$9,600 - $14,4006.40%
$14,400 - $19,2006.80%
$19,200 - $24,0007.20%
$24,000 - $36,0007.60%
$36,000 - $48,0007.90%
Married, Filing Jointly
Hawaii Taxable IncomeRate
$0 - $4,8001.40%
$4,800 - $9,6003.20%
$9,600 - $19,2005.50%
$19,200 - $28,8006.40%
$28,800 - $38,4006.80%
$38,400 - $48,0007.20%
$48,000 - $72,0007.60%
$72,000 - $96,0007.90%
Married, Filing Separately
Hawaii Taxable IncomeRate
$0 - $2,4001.40%
$2,400 - $4,8003.20%
$4,800 - $9,6005.50%
$9,600 - $14,4006.40%
$14,400 - $19,2006.80%
$19,200 - $24,0007.20%
$24,000 - $36,0007.60%
$36,000 - $48,0007.90%
Head of Household
Hawaii Taxable IncomeRate
$0 - $3,6001.40%
$3,600 - $7,2003.20%
$7,200 - $14,4005.50%
$14,400 - $21,6006.40%
$21,600 - $28,8006.80%
$28,800 - $36,0007.20%
$36,000 - $54,0007.60%
$54,000 - $72,0007.90%

How You Can Affect Your Hawaii Paycheck

Hawaii residents who consistently find themselves paying a lot in taxes come April, may want to review their W-4 form and pay close attention to how many allowances they are claiming. If you are always faced with a high bill during tax season, you may be claiming too many allowances and as a result, not paying enough in taxes throughout the year. If this is the case, feel free to fill out a new W-4 form on which you claim fewer allowances.

You can also ask your employer to withhold a dollar amount from each of your paychecks. Say for example, you want $20 withheld from each check, simply write that amount down on the correct line on your W-4.

If you are paying a lot in taxes, you may also want to consider upping your contribution to retirement accounts like a 401(k) where your money can grow tax-free.

The same goes for if you got a huge tax refund. Some may consider that a good thing since it forces you to save money, but others might argue you could have used that money to do other things throughout the year. It’s worth upping your allowances or decreasing your dollar withholdings on your W-4 form if you pay too much in taxes throughout the year.

And if you can afford it, definitely consider putting more money in retirement accounts, like a 401(k) or 403(b). Not only will you be saving more for your golden years, but since this money comes out of your paycheck before taxes are withheld, you can actually lower your taxable income and, if you’re lucky, decrease how much you owe in taxes.

Hawaii Top Income Tax Rate

YearTop Income Tax Rate

Looking to relocate and purchase a property in Hawaii? Check out our Hawaii mortgage guide to understanding mortgages and rates in the sale before making the move.

Most Paycheck Friendly Places

SmartAsset's interactive map highlights the most paycheck friendly counties across the country. Zoom between states and the national map to see data points for each region, or look specifically at one of the four factors driving our analysis: Semi-Monthly Paycheck, Purchasing Power, Unemployment Rate, and Income Growth.

Rank County Semi-Monthly Paycheck Purchasing Power Unemployment Rate Income Growth

Methodology Our study aims to find the most paycheck friendly places in the country. These are places in the country with favorable economic conditions where you get to keep more of the money you make. To find these places we considered four different factors: semi-monthly paycheck, purchasing power, unemployment rate and income growth.

First, we calculated the semi-monthly paycheck for a single individual with two personal allowances. We applied relevant deductions and exemptions before calculating income tax withholding. To better compare withholding across counties we assumed a $50,000 annual income. We then indexed the paycheck amount for each county to reflect the counties with the lowest withholding burden.

We then created a purchasing power index for each county. This reflects the counties with the highest ratio of household income to cost of living. We also created an unemployment rate index that shows the counties with the lowest unemployment. For income growth, we calculated the annual growth in median income over five years for each county and indexed the results.

Finally, we calculated the weighted average of the indices to yield an overall paycheck friendliness score. We used a one half weighting for semi-monthly paycheck and a one-sixth weighting for purchasing power, unemployment rate and income growth. We indexed the final number so higher values reflect the most paycheck friendly places.

Sources: SmartAsset, government websites, US Census Bureau 2016 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics