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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 of Hawaii are subject to a variable income tax system that features 12 tax brackets. Rates range from 1.40% to 11.00%. Luckily, Hawaiians don’t have to pay any local taxes.

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State Income --% $--
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FICA and State Insurance Taxes --% $--
Social Security --% $--
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Pre-Tax Deductions --% $--
Post-Tax Deductions --% $--
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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.

    ...read more
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Hawaii Paycheck Calculator

Photo credit: ©iStock.com/Christie Guevara

Hawaii Paycheck Quick Facts

  • Hawaii income tax rate: 1.40% - 11.00%
  • Median household income: $78,084 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Hawaii Paycheck Works

Hawaii employers are responsible for withholding FICA taxes - 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 what you get paid. Any earnings that exceed $200,000, are subject to an additional 0.9% in Medicare taxes, which your employer does not match. If you are self-employed you must pay the total 2.9% in Medicare taxes and 12.4% in Social Security yourself. Fortunately, there is a deduction available to help self-employed people recoup some of that money.

In addition to FICA taxes, federal income taxes are withheld from each of your paychecks and sent to the IRS. This money goes toward your annual income taxes. How much your employer withholds in federal income taxes depends on the information you provide on your W-4 form. You need to fill out a new W-4 every time you start a new job.

In December 2017, President Trump signed a new tax plan into law. It changed tax calculations and may have resulted in your paychecks getting a bit bigger. If you haven’t already done so, it’s a good idea to check your W-4 and make sure your information is still correct.

There are a few changes that the IRS made to the W-4 for 2020. Instead of asking you to list total allowances, the new W-4 uses a five-step process that allows filers to enter personal information, claim dependents and indicate any additional income and jobs. Filers also have to enter annual dollar amounts for things like income tax credits, non-wage income, itemized and other deductions and total annual taxable wages. In 2020, these updates will primarily affect those adjusting their withholdings or switching jobs. Employees hired before 2020 aren’t required to complete the new form, though anyone hired after Jan.1, 2020 must fill it out. The changes you make now will be reflected on your return in 2021.

One factor that affects how much is withheld from your pay is your marital status and whether or not you’re filing separately from your spouse. Having dependents also affects the amount you pay for your 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 or not you make any pre-tax contributions. This is money that comes out of your pay before income tax does. Common pre-tax contributions include a health savings account (HSA), retirement accounts like a 401(k) or commuter benefits.

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
2018$78,084
2017$74,923
2016$71,977
2015$69,515
2014$69,592
2013$68,020
2012$66,259
2011$61,821
2010$63,030
2009$64,098
2008$67,214

Residents of the Aloha State face 12 total tax brackets and rates that are based on their income level. Single filers and married people filing separately pay rates ranging from 1.40% on their first $2,400 of taxable income up to 11.00% on income over $200,000. The tax rates are the same for couples filing jointly, but the income brackets are doubled. Hawaii doesn’t charge any local taxes.

If you’re a part of the U.S. Coast Guard, Marine Corps, Air Force, Navy, Army Reserve or Hawaii National Guard, you’re exempt from paying taxes on the first $6,564 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%
$48,000 - $150,0008.25%
$150,000 - $175,0009.00%
$175,000 - $200,00010.00%
$200,000+11.00%
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%
$96,000 - $300,0008.25%
$300,000 - $350,0009.00%
$350,000 - $400,00010.00%
$400,000+11.00%
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%
$48,000 - $150,0008.25%
$150,000 - $175,0009.00%
$175,000 - $200,00010.00%
$200,000+11.00%
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%
$72,000 - $225,0008.25%
$225,000 - $262,5009.00%
$262,500 - $300,00010.00%
$300,000+11.00%

A financial advisor in Hawaii can help you understand how taxes fit into your overall financial goals. Financial advisors can also help with investing and financial plans, including retirement, homeownership, insurance and more, to make sure you are preparing for the future.

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

How You Can Affect Your Hawaii Paycheck

If you consistently find yourself paying a lot in taxes come April, you can ask your employer to withhold a dollar amount from each of your paychecks to right-size your withholding. 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. Not only will you be saving more for retirement, 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.

Conversely, if you tend to get a huge tax refund, you may want to adjust your withholding in the other direction. Some may consider a big tax refund a good thing, but others might argue you could have used that money to do other things throughout the year. It’s worth decreasing your dollar withholdings on your W-4 form if you pay too much in taxes throughout the year.

Hawaii Top Income Tax Rate

YearTop Income Tax Rate
201911.00%
201811.00%
20178.25%
20168.25%
201511.00%
201411.00%
201311.00%
201211.00%
201111.00%
201011.00%
200911.00%
20088.25%
20078.25%
20068.25%

Most Paycheck Friendly Places

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

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

Methodology To find the most paycheck friendly places for counties across the country, we considered four 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, or greatest take-home pay.

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 index that shows the counties with the lowest rate of unemployment. For income growth, we calculated the annual growth in median income throughout a five year period for each county and then 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 2018 American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics