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Oklahoma 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 Oklahoma Taxes

Like the majority of the nation, Oklahoma has a progressive state income tax system with six tax brackets depending on income level and filing status. There are no local income taxes in Oklahoma.

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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Your estimated -- take home pay:
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Taxes --% $--
Federal Income --% $--
State Income --% $--
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FICA --% $--
Social Security --% $--
Medicare --% $--
Pre-Tax Deductions --% $--
Post-Tax Deductions --% $--
Take Home Salary --% $--
  • 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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Oklahoma Paycheck Calculator

Photo credit: ©iStock.com/Jerry Moorman
Oklahoma Paycheck Quick Facts
  • Oklahoma income tax rate: 0.5% - 5.0%
  • Median household income: $48,038 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Oklahoma Paycheck Works

The first paycheck after a salary change can be filled with surprises. If you’ve ever experienced the sticker shock of realizing you won’t be making as much as you thought you would, it’s likely because you incorrectly estimated how much of your paycheck would be going toward taxes or other withholding.

Where that chunk of your paycheck goes depends, in part, on where you live. In Oklahoma, you’ll have state and federal income taxes taken out from your wages. That money covers a variety of public needs and expenses in both Oklahoma and the U.S.

Federal income tax is sent to the IRS where it counts toward your annual income taxes. How much gets withheld from your paychecks for federal income taxes depends on factors like your salary, your marital status and how many allowances you claim on your W-4 form. Remember the W-4 is the form you have to fill out whenever you start a new job or you want to make changes to your withholdings.

President Trump's new tax plan has required the IRS to release new withholding guidelines for 2018. You should have seen changes to your paychecks, to reflect the new tax plan, starting in February 2018. For the time being, you do not need to fill out a new W-4. Your employer will use the withholdings on your current form.

Besides federal income taxes, you’ll see Social Security and Medicare taxes being withheld from your paycheck. Together these make up FICA taxes. The government collects 12.4% of your wages for Social Security and 2.9% to fund Medicare. In most cases, you will only be responsible for half of that amount. Your employer will pay the other half for you.

If you have made the switch from working at a company to self-employment, you might be in for a bit of an unpleasant surprise as you’ll now have to pay the entire contribution to Social Security and Medicare yourself.

It’s also worth noting that if you earn wages in excess of $200,000, they will be subject to a 0.9% Medicare surtax. This is not matched by employers.

Oklahoma Median Household Income

YearMedian Household Income
2016$48,038
2015$46,879
2014$47,529
2013$45,690
2012$44,312
2011$43,225
2010$42,072
2009$41,664
2008$42,822

There’s more to the Sooner State than great college football and scenic prairies. Oklahoma also boasts fairly low income tax rates. The state has a six-bracket progressive income tax system.

The state's top income tax rate - 5% - is in the bottom half of all states. The highest tax rate is applied to taxable income over $7,200 for individual filers (it's $12,200 for couples filing together and heads of household), meaning most Okies will pay this rate on at least some of their income.

Taxpayers living in Oklahoma City, Tulsa and other metro areas will be relieved to know that there are no added local income taxes anywhere in Oklahoma.

Income Tax Brackets

Single Filers
Oklahoma Taxable IncomeRate
$0 - $1,0000.5%
$1,000 - $2,5001.0%
$2,500 - $3,7502.0%
$3,750 - $4,9003.0%
$4,900 - $7,2004.0%
$7,200+5.0%
Married, Filing Jointly
Oklahoma Taxable IncomeRate
$0 - $2,0000.5%
$2,000 - $5,0001.0%
$5,000 - $7,5002.0%
$7,500 - $9,8003.0%
$9,800 - $12,2004.0%
$12,200+5.0%
Married, Filing Separately
Oklahoma Taxable IncomeRate
$0 - $1,0000.5%
$1,000 - $2,5001.0%
$2,500 - $3,7502.0%
$3,750 - $4,9003.0%
$4,900 - $7,2004.0%
$7,200+5.0%
Head of Household
Oklahoma Taxable IncomeRate
$0 - $2,0000.5%
$1,000 - $5,0001.0%
$2,500 - $7,5002.0%
$3,750 - $9,8003.0%
$4,900 - $12,2004.0%
$12,200+5.0%

How You Can Affect Your Oklahoma Paycheck

The federal income, FICA and state income taxes withheld from your paycheck are mostly beyond your control in the sense that you are obligated to pay them. You can do certain things, like claim more or fewer allowances on your W-4, to help affect how much you have to pay in taxes per paycheck.

If you choose to pay for health or life insurance for yourself and your family through a company-sponsored plan, the money you pay for any premiums will be subtracted from your wages. Similarly if you decide to save for retirement in an employer-sponsored plan like a 401(k) or 403(b), that money will be subtracted from your wages. Putting money into a 401(k) or 403(b) can actually help to lower your taxable income because that money is taken from your paycheck before taxes are applied. In other words, by taking advantage of a 401(k) or 403(b), you are not only saving for your future, you’re saving yourself some dollars in taxes, too.

You can also opt to contribute some of your income in a pre-tax account like a Health Savings Account or Flexible Spending Account. You can use the funds you put in a HSA or FSA to pay for certain expenses like medical copays or prescriptions. Just be cautious about how much money you put in an account like this as it will not roll over from year to year, meaning you'll lose any excess you put in and don't use.

With below-average income taxes and low property taxes, you may be considering a move to Oklahoma. Take a look at our Oklahoma mortgage guide to better understand the ins and outs of getting a mortgage in the Sooner State.

Oklahoma Top Income Tax Rate

YearTop Income Tax Rate
20175.00%
20165.00%
20155.00%
20145.25%
20135.25%
20125.25%
20115.50%
20105.50%
20095.50%
20085.65%
20076.25%
20066.65%
20056.65%
20047.00%
20036.65%

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.

Worse
Better
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