Hawaii Take-Home Pay Calculator
7.9% for most earnersEstimate your net paycheck after federal taxes, FICA, and Hawaii state income tax.
Last updated: April 2026
Hawaii Income Tax
Hawaii has a graduated income tax with rates up to 11% at the highest bracket. Most earners pay around 7.9%.
Hawaii State Income Tax: What You Need to Know
Hawaii has a graduated income tax with rates up to 11% at the highest bracket. Most earners pay around 7.9%.
Hawaii has the most income tax brackets of any US state — 12 in total — with rates ranging from 1.4% on the first $2,400 of taxable income up to 11% on income over $300,000 for single filers. This 11% rate makes Hawaii the second-highest top state income tax in the US, just below California's 13.3%. For most full-time workers, the dominant bracket is 7.9%, which applies to income between $48,000 and $150,000. Beyond income tax, Hawaii's General Excise Tax (GET) is 4% statewide (4.5% in Honolulu County) and applies broadly to business gross receipts — it functions similarly to a sales tax but is technically a tax on businesses, which pass it to consumers. For workers, the GET makes virtually all goods and services more expensive, functioning as a hidden additional burden on purchasing power. Hawaii has no city or county income taxes — all residents pay the same state rate regardless of island. Social Security benefits are fully exempt from Hawaii income tax, and certain government pension income is also exempt. Hawaii's cost of living is among the highest in the US, driven by geography: most goods are shipped from the mainland, housing is scarce, and energy costs are elevated. A $60,000 take-home in Hawaii buys meaningfully less than the same number in most mainland states. Remote workers and transplants should factor both the high income tax and high cost of living into any financial comparison.
On top of state taxes, all workers also pay federal income tax based on the 2026 progressive brackets, plus FICA taxes: Social Security (6.2% up to $176,100) and Medicare (1.45% on all wages).
Our calculator applies Hawaii's 7.9% for most earners to your gross income as a simplified estimate. Actual state taxes may vary based on deductions, exemptions, and local taxes not captured in this estimate.
Hawaii Income Tax Brackets (2026, Single Filers)
| Income Range | Tax Rate |
|---|---|
| $0 – $2,400 | 1.40% |
| $2,400 – $4,800 | 3.20% |
| $4,800 – $9,600 | 5.50% |
| $9,600 – $14,400 | 6.40% |
| $14,400 – $19,200 | 6.80% |
| $19,200 – $24,000 | 7.20% |
| $24,000 – $48,000 | 7.60% |
| $48,000 – $150,000 | 7.90% |
| $150,000 – $175,000 | 8.25% |
| $175,000 – $200,000 | 9.00% |
| $200,000 – $300,000 | 10.00% |
| $300,000 – and above | 11.00% |
Hawaii Take-Home Pay Examples (2026, Single Filer)
Estimates based on standard deduction, no pre-tax deductions. Last updated: April 2026.
| Salary | Federal Tax | State Tax | FICA | Take-Home |
|---|---|---|---|---|
| $40,000 | $3,167 | $2,315 | $3,060 | $31,458 |
| $60,000 | $6,617 | $3,861 | $4,590 | $44,932 |
| $80,000 | $10,817 | $5,441 | $6,120 | $57,622 |
| $100,000 | $15,617 | $7,021 | $7,650 | $69,712 |
Frequently Asked Questions: Hawaii Taxes
How many income tax brackets does Hawaii have?
Hawaii has 12 income tax brackets — the most of any US state. Rates range from 1.4% on the first $2,400 of taxable income up to 11% on income over $300,000 (single filers). The density of brackets means your effective rate rises gradually as income climbs, rather than jumping suddenly into a high bracket.
What is Hawaii's General Excise Tax and how does it affect take-home pay?
Hawaii's General Excise Tax (GET) is a 4% tax (4.5% in Honolulu County) applied to business gross income — it functions similarly to a sales tax but is broader, covering more services and transactions. While the GET isn't directly deducted from your paycheck, businesses typically pass the cost to consumers, making goods and services more expensive. It effectively increases the true tax burden on Hawaii residents beyond what income taxes alone show.
Does Hawaii tax Social Security income?
No. Hawaii exempts Social Security benefits from state income tax. Hawaii also exempts pension income received from government employment and certain public retirement systems. However, distributions from IRAs and 401(k)s are generally taxable in Hawaii.
Does Hawaii have a city or local income tax?
No. Hawaii does not have city or county income taxes on wages. Hawaii is unique in that it is a single-state government system without city-level income taxes. All Hawaii workers pay the same state income tax regardless of which island or county they live in.
How does Hawaii's high cost of living affect the real value of take-home pay?
Significantly. Hawaii consistently ranks as one of the most expensive states to live in — housing, food, energy, and transportation all cost more than in most other states. A $60,000 take-home in Hawaii has less purchasing power than $60,000 in a lower-cost state like Alabama or Arkansas. The effective standard of living for a given salary is lower in Hawaii despite the nominal numbers.
What is Hawaii's minimum wage in 2026?
Hawaii's minimum wage is $14.00/hour in 2026, scheduled to increase to $16.00/hour by January 2028 under legislation passed in 2022. Hawaii's minimum wage is among the higher ones nationally, though given the state's cost of living, workers often need well above minimum wage to cover basic expenses.