Hawaii Paycheck Calculator
Free Hawaii paycheck calculator. Estimate your take-home pay with current Hawaii state tax rates and federal withholdings. Calculate federal income tax, Social Security, Medicare, and Hawaii state withholdings instantly.
What you should know about Hawaii taxes
Hawaii has 12 tax brackets — the most of any state — with rates from 1.4% to 11%. Additionally, employees pay Temporary Disability Insurance (TDI) premiums. The high cost of living on the islands makes take-home pay feel even tighter.
Hawaii Income Tax Brackets — 2026
| Tax Rate | Taxable Income Range |
|---|---|
| 1.4% | $0 – $2,400 |
| 3.2% | $2,401 – $4,800 |
| 5.5% | $4,801 – $9,600 |
| 6.4% | $9,601 – $14,400 |
| 6.8% | $14,401 – $19,200 |
| 7.2% | $19,201 – $24,000 |
| 7.6% | $24,001 – $36,000 |
| 7.9% | $36,001 – $48,000 |
| 8.25% | $48,001 – $150,000 |
| 9% | $150,001 – $175,000 |
| 10% | $175,001 – $200,000 |
| 11% | $200,001+ |
Hawaii's 12 Tax Brackets
Hawaii taxes income across 12 brackets, ranging from 1.4% on the first $2,400 to 11% on income over $200,000. Most workers earning $50K–$100K fall in the 8.25% bracket, which is significantly higher than the national median. The standard deduction is $2,200 for single filers — one of the lowest in the country. Combine that with Hawaii's 4.712% excise tax (the state's version of sales tax) and you have one of the highest overall tax burdens in the US. For military personnel stationed in Hawaii, there is good news: military pay is exempt from Hawaii state income tax if you are not a legal resident.
TDI and the Cost of Island Paychecks
Hawaii mandates Temporary Disability Insurance (TDI) coverage for all employees working at least 20 hours per week. Employers can deduct up to 0.5% of your weekly wages (capped at $6.67/week) for TDI. Some employers cover the full cost. This is separate from FICA and adds another deduction line on your pay stub. Between federal tax, state tax (often 7–8%), FICA (7.65%), and TDI, a Honolulu worker earning $65,000 takes home about 68–70% of gross pay. Cost of living adjustments and housing allowances are common among Hawaii employers, especially government and military civilian jobs.