Florida Income Tax Calculator (2025)
Florida has no state income tax on wages, but residents still pay federal income tax, Social Security and Medicare (FICA), and other state and local taxes. Use this calculator to estimate your total tax burden and take‑home pay as a Florida resident.
Inputs
Optional Florida‑specific estimates
Results
Florida does not tax individual wage or salary income.
Tax breakdown chart
How this Florida income tax calculator works
This tool focuses on what most Florida residents care about: “What will I actually take home?” Since Florida has no state income tax on wages, the main drivers of your tax bill are:
- Federal income tax (based on brackets and deductions)
- FICA: Social Security and Medicare payroll taxes
- Optional estimates for Florida property tax and sales tax
1. Federal taxable income
We start from your annual wage income and subtract:
- Pre‑tax contributions (401(k), 403(b), HSA, traditional IRA via payroll, etc.)
- Either the standard deduction for your filing status, or a custom itemized deduction you enter
Federal taxable income = max( 0, Wage income − Pre‑tax contributions − Deductions )
2. Federal income tax
For the selected tax year and filing status, the calculator applies the progressive federal tax brackets. Each slice of your income is taxed at its own marginal rate.
For example (Single filer, simplified illustration):
- 10% on the first slice of taxable income
- 12% on the next slice
- 22% on the next slice, and so on
3. FICA: Social Security & Medicare
If you choose to include FICA, we calculate:
- Social Security tax: 6.2% of wages up to the annual wage base limit
- Medicare tax: 1.45% of all wages (ignoring the small additional Medicare surtax for very high incomes for simplicity)
Social Security = 6.2% × min(wages, wage base)
Medicare = 1.45% × wages
4. Florida state income tax
For individuals, Florida’s state income tax on wages is:
0% – there is no Florida state income tax on personal wage or salary income.
That’s why the calculator always shows $0 for “Florida state income tax” on W‑2 wages. However, Florida does tax certain business entities and corporate income, which this personal calculator does not cover.
5. Optional: property tax and sales tax estimates
To give you a more realistic picture of your total tax burden as a Florida resident, you can add:
- Property tax – your annual property tax bill if you own a home or other real estate
- Sales tax – a rough estimate of what you pay in state + local sales tax each year
These amounts are not used in your federal tax calculation, but they are added to show a “total tax including Florida‑specific taxes” figure.
Understanding Florida taxes: what you do (and don’t) pay
No state income tax on wages
Florida is one of a handful of states with no personal income tax on wages, salaries, or typical retirement income. That’s why many retirees and high‑income earners move to Florida.
But you still pay federal income tax and FICA
Living in Florida does not change your federal obligations. You still file a federal return with the IRS and pay:
- Federal income tax on your taxable income
- Social Security and Medicare payroll taxes on your wages
Other common Florida taxes
- Sales tax: State rate plus local surtaxes on many purchases
- Property tax: Levied by counties, cities, and school districts on real estate
- Gasoline and tourism‑related taxes: Included in fuel and hotel prices
- Corporate income tax: Applies to certain businesses and corporations
Example: Single filer in Florida earning $75,000
Assume:
- Tax year: 2025
- Filing status: Single
- Wage income: $75,000
- Pre‑tax 401(k) contributions: $5,000
- Standard deduction
- FICA included
Roughly, the calculator will show:
- Federal taxable income ≈ $75,000 − $5,000 − standard deduction
- Federal income tax: based on progressive brackets
- FICA: 6.2% Social Security (up to the wage base) + 1.45% Medicare
- Florida state income tax: $0
- Effective tax rate and take‑home pay based on the totals
Limitations and assumptions
- Designed for typical W‑2 wage earners living and working in Florida
- Does not handle complex business income, self‑employment tax, or detailed credits
- Uses current federal brackets and standard deductions; future law changes are not predicted
- Property and sales tax inputs are user‑provided estimates, not official values
This calculator is for educational and planning purposes only and is not tax or legal advice. For personalized guidance, consult a qualified tax professional or CPA familiar with Florida law.
Florida income tax calculator FAQ
Does Florida have a state income tax?
No. Florida does not tax individual wage or salary income. Most residents only pay federal income tax and FICA on their earnings, plus state and local taxes on things like sales, property, and fuel.
What taxes do Florida residents pay instead of income tax?
Common taxes include:
- Federal income tax
- Social Security and Medicare (FICA)
- State and local sales tax
- Property tax (for homeowners)
- Gasoline, hotel, and tourism‑related taxes
Do retirees pay income tax on Social Security in Florida?
Florida does not tax Social Security benefits or other retirement income at the state level. However, Social Security may still be taxable on your federal return depending on your total income.
How accurate is this calculator?
It uses current federal tax brackets, standard deductions, and FICA rules for a typical wage earner. It does not cover every possible deduction or credit, so your actual tax may differ. Use it as a planning tool, not a substitute for professional advice.
How can I reduce my overall tax bill in Florida?
Since Florida has no state income tax, most savings come from:
- Maximizing contributions to tax‑advantaged accounts (401(k), IRA, HSA)
- Claiming all eligible federal credits and deductions
- Using Florida’s homestead exemption and other local property tax relief programs
- Planning large purchases with sales tax in mind