What is Hawaii's state income tax rate?

Hawaii uses one of the most graduated income tax structures in the country, with twelve brackets ranging from 1.4% on the first dollars of taxable income up to 11% on income above $200,000 for single filers. Married couples filing jointly use bracket thresholds that are double the single amounts.

What is the Hawaii TDI deduction on my paycheck?

Hawaii requires Temporary Disability Insurance, and employers may deduct up to 0.5% of an employee's weekly wages to help fund it, subject to an annual maximum (about $6.41 per week in 2025). It provides partial wage replacement for non-work injuries and illnesses.

Does Hawaii have a local or county income tax?

No. Hawaii does not levy any county or city income tax, so your only state-level income withholding is the graduated state tax. This differs from Hawaii's general excise tax, which does vary by county for purchases.

How accurate is this Hawaii paycheck estimate?

It applies current federal brackets, Hawaii's graduated rates, FICA, and TDI, so it is a close approximation. Your actual paycheck also reflects health premiums, dependent exemptions, and other voluntary deductions that are not modelled here, so treat the result as an estimate.

Does the 401(k) field reduce my taxes?

Yes. Pre-tax 401(k) contributions are subtracted from your income before federal and Hawaii income tax are calculated, lowering both. They are still subject to Social Security and Medicare, since FICA is computed on gross wages.

Hawaii Paycheck Calculator

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A free Hawaii paycheck calculator that estimates your real take-home pay after every federal and state deduction. Hawaii combines a steeply graduated state income tax with a mandatory Temporary Disability Insurance contribution, so the gap between gross and net is larger than many islanders expect. This tool spells out each deduction line by line.

How it works

The calculator annualizes your gross pay using your chosen frequency, then subtracts deductions in order:

Pre-tax 401(k) is removed first, lowering taxable income.
Federal income tax uses 2025 brackets on income after the federal standard deduction.
Hawaii state income tax applies the state’s graduated schedule (1.4% to 11%) on income after Hawaii’s standard deduction.
FICA adds Social Security at 6.2% up to the wage base and Medicare at 1.45% on all wages.
Hawaii TDI deducts 0.5% of wages, capped at roughly $6.41 per week.

Net = gross - 401(k) - federal tax - Hawaii tax - Social Security - Medicare - TDI

Hawaii has no county or city income tax, so these are the complete set of paycheck deductions modelled.

Tips and example

A single Hawaii worker earning $60,000 a year:

Hawaii state tax on income after the standard deduction lands in the 7-8% marginal range, costing roughly $3,300.
TDI is capped near $333 for the year regardless of how high wages climb.
After federal tax and FICA, take-home is roughly $45,000, or about $1,730 bi-weekly.

Contributing to a 401(k) is especially valuable in Hawaii because the high marginal state rate means each pre-tax dollar saves more state tax than in low-tax states. Adjust the frequency field to match how you are actually paid. Every figure recalculates in your browser and nothing is uploaded.