Menu burger Close thin Facebook Twitter Google plus Linked in Reddit Email arrow-right-sm arrow-right
Tap on the profile icon to edit
your financial details.

Michigan Paycheck Calculator

Your Details Done

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 Michigan Taxes

Michigan is a flat-tax state that levies a state income tax of 4.05%. A total of 24 Michigan cities charge their own local income taxes on top of the state income tax rate. Local income tax rates top out at 2.40% in Detroit.

Work Info
Add your details
Marital Status
Marital Status
Enter your marital status
Do this later
Add your details
Enter your location Do this later
Add your details
Elected State Percentage
Do this later
Add your details

Do this later
Add your details
Pay Frequency
Do this later
Add your details
Additional State

Do this later
Add your details
Are you exempt from any taxes?
Do this later
Salary (per year)
Hourly Wage

Hours (per pay period)

Overtime Hourly Wage

Overtime Hours (per pay period)

You can't withhold more than your earnings. Please adjust your .

Your estimated -- take home pay:

Where is your money going?
Gross Paycheck $--
Taxes --% $--
Federal Income --% $--
State Income --% $--
Local Income --% $--
FICA and State Insurance Taxes --% $--
Social Security --% $--
Medicare --% $--
State Disability Insurance Tax --% $--
State Unemployment Insurance Tax --% $--
State Family Leave Insurance Tax --% $--
State Workers Compensation Insurance Tax --% $--
Pre-Tax Deductions --% $--
Post-Tax Deductions --% $--
Take Home Salary --% $--
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
As of
Marketing Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
As of
Marketing Disclosure

Share Your Feedback
How would you rate your experience using this SmartAsset tool?
What is the most important reason for that score? (optional)
Please limit your response to 150 characters or less.
Thank you for your answer! Your feedback is very important to us.

Michigan Paycheck Calculator

Photo credit: ©

Michigan Paycheck Quick Facts

  • Michigan income tax rate: 4.05%
  • Median household income: $68,505 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 24

How Your Michigan Paycheck Works

If you’ve had an on-the-books job before, you’re probably familiar with the basics of payroll taxes. These include the 6.2% for Social Security taxes and the 1.45% for Medicare taxes that your employer withholds from your earnings each pay period. Your employer also matches those contributions so that the total contributions are double what you pay. Together, these taxes make up what are called FICA taxes.

Keep in mind that any earnings over $200,000 are subject to a 0.9% Medicare surtax if your filing status is single, head of household or qualifying widow(er). This threshold is $250,000 for married couples filing jointly and $125,000 for married couples filing separately. Your employer doesn’t match this contribution.

Your employer also withholds money to pre-pay your federal income taxes. On the W-4 form you file with your employer, you indicate how much your employer should withhold from your paychecks. Things like your marital status and the number of dependents you have all affect how much your employer withholds. Of course, your pay frequency will also affect the size of your paycheck, with those who are paid monthly getting larger checks than those who are paid biweekly.

In recent years, the W-4 has seen major revisions. More specifically, filers no longer need to list allowances and the option to claim personal or dependency exemptions has been removed. The form also uses a five-step process that asks you to enter personal information, claim dependents and indicate additional income and jobs.

FICA taxes and income taxes are mandatory. There’s no getting around them. But there are some other deductions from your paycheck that are not mandatory. These include deductions to cover the premiums for an employer-sponsored insurance plan, as well as contributions to a 401(k), a health savings account (HSA), a flexible spending account (FSA) or any other pre-tax benefit programs, such as for commuter benefits or 529 college savings plans.

Looking to purchase a home in Michigan? Our guide to Michigan mortgage rates will help you better understand the details about getting a new mortgage as you prepare for your relocation.

Michigan Median Household Income

YearMedian Household Income

Michigan collects a state income tax, and in some cities there is a local income tax too. As with federal taxes, your employer withholds money from each of your paychecks to put toward your Michigan income taxes. You must claim withholding exemptions for Michigan income taxes by filing Form MI-W4. The W-4 form is not a substitute for the MI-W4, so you need to submit both forms to your employer. Though the most recent version of the W-4 removes the use of allowances, you may still be able to claim allowances and exemptions on the state level with the MI-W4.

Whether you’re a Michigan resident or not, your employer is required to withhold Michigan taxes from your paychecks if you work in the state. That rule also applies if you live in Michigan but your employer is located outside of the state. In some cases, your employer may not remove Michigan taxes if you live in a state that has a separate, reciprocal agreement with Michigan.

If you live in one of the 24 Michigan cities with a local income tax, your employer will withhold money for those taxes. Michigan city taxes apply whether you live or work in the city. However, the tax for non-residents is half the rate for residents in all cities. The most common rate (used by 20 of the 24 cities with a local income tax) is 1% for residents and 0.5% for non-residents. Detroit has the highest city rate at 2.4% for residents and 1.2% for non-residents.

A financial advisor can help you understand how taxes fit into your overall financial goals. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.

Local Income Taxes

CityResident Income Tax Rate
Battle Creek1.00%
Benton Harbor1.00%
Big Rapids1.00%
East Lansing1.00%
Grand Rapids1.50%
Highland Park2.00%
Muskegon Heights1.00%
Port Huron1.00%

How You Can Affect Your Michigan Paycheck

In Michigan, all forms of compensation except for qualifying pension and retirement payments are taxed at the same flat rate of 4.05%. This differs from some states which tax supplemental wages (like bonuses) at a different rate. So, you won’t get a tax withholding break from supplemental wages in Michigan. However, you can still boost your paycheck through overtime, bonuses and commissions.

If you’re willing to get smaller paychecks for the sake of tax advantages, you can increase the amount that’s taken out of your paychecks for 401(k), 529 college savings plans, HSA or FSA contributions. You can also ask your company’s HR department if there are other pre-tax benefit programs you can enroll in.

Remember that you can always tweak your withholdings and, in turn, the size of your paycheck, by changing the allowances and exemptions on your MI-W4 form. If you’re married and/or you have two jobs, it’s especially important to get those forms right. In either case, it’s easy to claim too many allowances and get hit with a hefty tax bill as a result. If you have more than one job, you can’t claim the same exemptions/allowances with more than one employer. If you’re worried that not enough money is being withheld from your paychecks, you can request an additional dollar amount of withholding from each paycheck by filing new W-4 and MI-W4 forms.

Michigan Top Income Tax Rate

YearTop Income Tax Rate