Ohio (OH) Paycheck Calculator

For 2026, Ohio has a simplified 2-tier structure under HB 96 (enacted June 30, 2025): the first $26,050 of Ohio taxable income is exempt from tax (0%), and income above $26,050 is taxed at a flat 2.75%. This applies to all filing statuses — Ohio eliminated the old graduated bracket tiers and personal exemptions through HB 96. Source: Ohio Revised Code § 5747.02 as amended.

The $26,050 threshold is the income level below which no Ohio income tax is owed. Only the amount above $26,050 is subject to the 2.75% rate. For example, on $50,000 of Ohio taxable income, you pay 2.75% on $23,950 ($50,000 minus $26,050), which equals approximately $659. This threshold is NOT inflation-indexed and is the same for all filing statuses.

No. Ohio HB 96 eliminated personal exemptions that previously reduced Ohio taxable income. Ohio no longer applies a fixed per-person exemption amount. Your Ohio taxable income starts from Ohio Adjusted Gross Income (OAGI), which approximates your federal AGI. Pre-tax 401(k) deferrals reduce your federal AGI and therefore reduce your OAGI.

Yes. Ohio municipalities levy their own income taxes (typically 1%–2.5%) administered through RITA (Regional Income Tax Agency) or the Central Collection Agency (CCA). Ohio also has a School District Income Tax (SDIT) in some school districts. This calculator models the Ohio state income tax only — your actual total Ohio tax burden includes any applicable local and school district taxes, which vary by where you live and work.

Yes. Ohio taxes Ohio Adjusted Gross Income (OAGI), which starts from federal AGI. Since traditional 401(k) contributions reduce your federal AGI, they also reduce your OAGI and therefore your Ohio state income tax. A 6% 401(k) contribution on an $80,000 salary reduces OAGI by $4,800, saving approximately $132 in Ohio income tax (4,800 × 2.75%).

This calculator uses the IRS Publication 15-T percentage method (annualized wages, post-2020 W-4). Your annual salary is reduced by any pre-tax deductions you enter, then by the federal standard deduction for your filing status. The resulting federal taxable income is run through the 2026 federal income tax brackets to get the annual withholding, which is divided by your pay periods.

Social Security is 6.2% of your gross wages up to the 2026 wage base of $184,500. Medicare is 1.45% of all wages with no cap. High earners (above $200,000 for single filers, $250,000 for married filing jointly) also owe an Additional Medicare surtax of 0.9% on wages above that threshold. These are the employee shares; your employer pays a matching amount separately.

Yes. Traditional 401(k) contributions reduce your federal taxable income (and therefore your federal income tax withholding). They also reduce the tax base in most states, including Ohio. Roth 401(k) contributions are post-tax and do not reduce current-year tax.

This calculator covers federal income tax, FICA (Social Security + Medicare), and Ohio state income tax. It does not include: Excludes Ohio municipal income taxes (administered by RITA / CCA / municipal tax departments — rates vary by municipality up to 2.5%). School district income tax (SDIT) is also excluded. SDI is not applicable in Ohio. It is an estimate for budgeting purposes — your employer's actual payroll system and your W-4 elections determine your exact withholding.

Your marginal tax rate is the rate that applies to your last dollar of income (the highest bracket you fall into). Your effective tax rate is your total taxes divided by your gross salary — it is always lower than your marginal rate because lower income is taxed at lower bracket rates. The effective rate shown here includes federal income tax, FICA, and state income tax.