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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. It has six tax brackets with rates ranging from 0.5% up to 5%; the bracket you fall into will depend on your income level and filing status. There are no local income taxes in Oklahoma.

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Your estimated -- take home pay:
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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 --% $--
  • 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: $49,767 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Oklahoma Paycheck Works

You don’t receive your full, quoted salary each year because your employer also withholds taxes from your paychecks. Regardless of where you live in the U.S., your employer withholds money to pay FICA and federal income taxes.

Federal income tax is sent to the IRS where it counts toward your annual income taxes. Instead of paying your taxes in one lump sum during tax season, you pay gradually throughout the year. How much your employer withholds 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. Information about your filing status and allowances is on your W-4, and your employer uses it to figure out how much to withhold. This is why you need to fill out a new W-4 whenever you start a new job or experience a big life change, like a marriage. You can also make changes to your W-4 throughout the year if you simply want to adjust the taxes coming out of your paycheck.

It’s a good idea to look over your W-4 in early 2019 just to make sure the information is all up to date. President Trump's new tax plan resulted in slight changes to tax withholding. You should have already seen changes to your paychecks in early 2018.

Besides federal income taxes, you’ll see Social Security and Medicare taxes come out of 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 are only be responsible for half of that amount. Your employer will pay the other half for you. However, self-employed workers and contractors may have to pay the full FICA taxes. If you find yourself in this position, make sure to see if you’re eligible for any tax deductions come tax time, so that you can recoup what you spent on the “employer” portion of FICA taxes. As a final note, you will need to pay a 0.9% Medicare surtax on any income you have above $200,000. Your employer does not match this surtax.

Oklahoma Median Household Income

YearMedian Household Income
2017$49,767
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

Oklahoma has a six-bracket progressive income tax system. The state's top income tax rate of 5% is in the bottom half of all states (he nationwide average is closer to 7%). However, this top tax rate applies to taxable income over $7,200 for individual filers (or $12,200 for couples filing together and heads of household); that low income threshold for the highest bracket means most Okies will pay this 5% on at least some of their income.

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. However, 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 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), your contributions 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 pre-tax (that is, 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 on taxes in the present, too.

You can also opt to contribute some of your income in a health savings account (HSA) or flexible spending account (FSA). You can use the funds you put in an HSA or FSA to pay for certain medical expenses like copays or prescriptions. Just be cautious about how much money you put in an account like this. FSA funds above $500 do not roll over from year to year and so you lose that money if don’t use it by the end of the year.

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
20185.00%
20175.00%
20165.00%
20155.00%
20145.25%
20135.25%
20125.25%
20115.50%
20105.50%
20095.50%
20085.65%
20076.25%
20066.65%

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 2017 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics