Complete Guide: Florida Paycheck Calculator (2025)
Florida is famous for its beaches, sunshine, and perhaps most importantly for your wallet—its lack of a state income tax. This unique tax structure means that calculating your take-home pay in the Sunshine State is a bit different (and usually happier) than in most other parts of the country. This guide breaks down exactly how your Florida paycheck is calculated for the 2025 tax year, ensuring you understand every deduction on your pay stub.
The Florida Advantage: No State Income Tax
Florida is one of only nine states with zero state income tax. This is a massive financial benefit. In states like New York or California, you might lose an additional 4% to 13% of your paycheck to state taxes. In Florida, that money stays in your pocket.
However, "no state tax" doesn't mean "no taxes." You are still responsible for federal taxes, which make up the bulk of your paycheck deductions.
What Comes Out of Your Paycheck?
- 1. Federal Income Tax:Calculated based on IRS tax brackets (10% to 37%).
- 2. FICA Taxes:A flat 7.65% for Social Security and Medicare.
- 3. Benefits:Voluntary deductions for health insurance, 401(k), etc.
2025 Tax Changes affecting Florida Paychecks
For the 2025 tax year, the IRS has adjusted tax brackets and standard deductions for inflation. These changes generally mean you can earn slightly more before moving into a higher tax bracket, potentially increasing your take-home pay compared to 2024.
New Standard Deductions (2025)
- Single: $15,000
- Married Filing Jointly: $30,000
- Head of Household: $22,500
Note: This amount of your income is effectively tax-free for federal income tax purposes.
Social Security Wage Base Increase
For 2025, the Social Security wage base has increased to $176,100. This means you pay the 6.2% Social Security tax on the first $176,100 you earn. Any earnings above this cap are exempt from the 6.2% tax (though the 1.45% Medicare tax still applies to all income).
Tipped Income in Florida
If you work in Florida's massive hospitality industry, understanding tipped income is vital. Florida law allows employers to take a "tip credit" of up to $3.02 per hour.
- Minimum Wage (Sept 2024): $13.00/hour
- Tipped Minimum Wage: $9.98/hour (plus tips)
Important: Your employer must ensure that your (Cash Wage + Tips) equals at least the full $13.00/hour minimum. If you have a slow week, they must make up the difference.
Real-World Example: $75,000 Salary in Florida
Let's look at a realistic scenario for a single filer earning $75,000 a year (you can convert this using our salary to hourly calculator) compared to a state with income tax (like Georgia, ~5.49% flat).
| Deduction | Florida (No Tax) | Typical Tax State |
|---|---|---|
| Gross Pay | $75,000 | $75,000 |
| Federal Tax | ~$8,800 | ~$8,800 |
| FICA (7.65%) | $5,737 | $5,737 |
| State Tax | $0 | ~$3,500 |
| Take-Home Pay | $60,463 | $56,963 |
*Estimates for illustration only.
How to Maximize Your Florida Paycheck
- Contribute to a 401(k): Even though you don't save state tax derived from 401(k) deductions, you still save 22-24% on federal taxes for every dollar contributed. Use a 401(k) calculator to see the difference.
- Use an HSA: If you have a High Deductible Health Plan, Health Savings Account contributions are triple-tax-advantaged (tax-free in, tax-free growth, tax-free out for medical).
- Check Your Withholding (W-4): Moving to Florida? Make sure to update your W-4 using the IRS Tax Withholding Estimator. You might have had extra withholding in your previous state. Ensure your HR department lists your primary residence as Florida to stop previous state withholdings.
Florida Labor Laws You Should Know
Beyond taxes, your paycheck is governed by state labor laws. Florida has some specific regulations that differ from federal standards.
1. Minimum Wage Increases (Amendment 2)
In 2020, Florida voters approved Amendment 2, which mandates a gradual increase in the state minimum wage until it reaches $15.00 per hour.
- Current (Since Sept 30, 2024): $13.00/hour
- Upcoming (Sept 30, 2025): $14.00/hour
- Target (Sept 30, 2026): $15.00/hour
This applies to all non-tipped employees. Tipped employees receive a base wage of $3.02 less than the standard minimum, provided their tips make up the difference.
2. Overtime Rules
Florida defaults to the federal Fair Labor Standards Act (FLSA). There is no specific state overtime law that is more generous than federal law.
- Standard: Overtime (1.5x regular pay) must be paid for hours worked over 40 in a single workweek.
- Daily Overtime: Unlike California, Florida does not require overtime pay for working more than 8 hours in a single day, as long as the weekly total is under 40.
3. Pay Frequency
Some states require bi-weekly pay. Florida does not strictly mandate pay frequency for most private employers, though nearly all follow the standard Weekly, Bi-Weekly, or Semi-Monthly schedules. However, employers must conspicuously post the day of payment in the workplace.
4. "Right-to-Work" State
Florida is a Right-to-Work state. This means you cannot be compelled to join a union or pay union dues as a condition of employment. While this weakens union bargaining power in some sectors, it ensures that your full paycheck belongs to you without mandatory union deductions unless you voluntarily choose them.
5. Employee vs. Independent Contractor (1099)
It is critical to know your classification. If you are an independent contractor (receiving a 1099-NEC instead of a W-2), your "paycheck" will look very different. Employers do not withhold taxes for contractors.
This means you are responsible for paying the full 15.3% Self-Employment Tax (Social Security + Medicare) plus federal income tax. We recommend setting aside 25-30% of every check if you are a 1099 worker in Florida to avoid a surprise tax bill in April.
Frequently Asked Questions
Does Florida tax remote work income?▼
No. If you live in Florida and work remotely for a company based in another state, you generally do NOT pay Florida income tax because it doesn't exist. However, be careful: some states (like New York) calculate "convenience of the employer" rules that might try to tax you even if you live in Florida. Always consult a tax pro if your remote employer is in NY, DE, NE, or PA.
Is there *any* tax on my salary in Florida?▼
Only federal taxes. You will see deductions for Federal Income Tax, Social Security (6.2%), and Medicare (1.45%). There are no state, county, or city income taxes on wages in Florida.
What is the Additional Medicare Tax for 2025?▼
High earners pay an extra 0.9% Additional Medicare Tax on earnings above certain thresholds: $200,000 for Single filers and $250,000 for Married Filing Jointly. This brings the total Medicare tax rate to 2.35% on income above those limits.
Does Florida tax bonuses or stock options?▼
Florida does not tax bonuses, commissions, or stock options at the state level. However, these are all considered "supplemental income" by the IRS and are taxed federally. Bonuses are often withheld at a flat 22% federal rate.
I just moved to Florida. How do I stop paying my old state's tax?▼
You must establish "domicile" in Florida. This typically involves: 1) Getting a Florida Driver's License, 2) Registering to vote in Florida, 3) Filing a "Declaration of Domicile" with your county court, and 4) Officially updating your address with your employer's HR department so they stop withholding the old state's tax.
Is Jury Duty pay taxable in Florida?▼
Jury duty pay is considered taxable income by the IRS, so it might affect your federal taxes slightly. However, since Florida has no income tax, you pay $0 to the state on these earnings. You should never turn over jury duty pay to your employer unless your company has a specific policy requiring it in exchange for your regular salary.