This calculator turns any hourly wage into a gross annual salary and then estimates a Delaware worker’s real take-home pay. It applies 2025 FICA, federal income tax, and Delaware’s graduated state income tax (top rate 6.6%), plus the Wilmington 1.25% wage tax if you work in the city. Delaware has no state disability insurance deduction.
How it works
First it converts the wage to gross salary, then deducts taxes:
Gross salary = Hourly × Hours per week × Weeks per year Net pay = Gross − FICA − Federal tax − Delaware tax − Wilmington tax
FICA is 6.2% Social Security up to the $176,100 wage base plus 1.45% Medicare on all wages. Federal and Delaware income taxes are figured on income after each level’s standard deduction using progressive brackets. The Wilmington wage tax, when it applies, is a flat 1.25% of gross earned income.
Delaware pay rules explained
- Delaware income tax is graduated, from 0% on the first $2,000 up to 6.6% over $60,000.
- The Wilmington wage tax is 1.25% on earned income for those working in the city.
- Delaware has no state SDI payroll deduction.
- The Delaware standard deduction is
$3,250single and$6,500married filing jointly.
Worked example
$25/hour, 40 hours/week, 52 weeks, single, not in Wilmington:
- Gross salary = $25 × 40 × 52 = $52,000
- FICA ≈ $52,000 × 7.65% = $3,978
- Federal + Delaware income tax then come out of the remaining income
- Net take-home is shown annually, monthly, and per bi-weekly paycheck
Note: This is an estimate using 2025 brackets and standard deductions. It excludes 401(k), health premiums, and dependent credits. Verify with your pay stub or a tax professional and the Delaware Division of Revenue.