Hawaii has 12 income tax brackets and a temporary disability insurance (TDI) deduction. Estimate your 2026 take-home pay.
On a $75,000 salary, a single Hawaii filer takes home about $57,321 a year ($2,204.66 per biweekly paycheck) in 2026, an effective tax rate of 23.6%. Hawaii income tax is about $3,896 and the employee TDI contribution is $375.
How to read this. It estimates the tax you owe on a full year of pay at these inputs and divides it by your pay periods; payroll systems withhold using each state's own formula and your W-4, so your stub can differ. Nothing you type leaves your browser.
How Hawaii taxes your paycheck in 2026
Hawaii taxes wages with a 12-bracket graduated schedule that runs from 1.4% to 11%. For 2026 the standard deduction rose under Act 46 to $8,000 for single filers, $12,000 for head of household and $16,000 for married filing jointly. The personal exemption is $1,144 per exemption; the official 2026 page was not available, so we use the 2025 figure, which the state had not announced a change to.
Single-filer brackets for 2026 start at 1.4% on the first $9,600 of taxable income, then 3.2%, 5.5%, 6.4%, 6.8%, 7.2% and 7.6% up to $125,000, before 7.9%, 8.25%, 9%, 10% and 11% at higher incomes. The married and head-of-household schedules use wider bands.
Temporary Disability Insurance (TDI). Hawaii requires employers to provide TDI coverage. An employee's share cannot exceed 0.5% of weekly wages, up to the 2026 maximum weekly wage base of $1,500.21, which caps the employee contribution at $7.50 a week (about $390 a year). Employers may share the cost or pay it all, so some workers pay nothing.
Item
2026 rate
Applies to
Hawaii income tax
1.4% to 11% (12 brackets)
After standard deduction and exemption
Standard deduction (single / HoH / joint)
$8,000 / $12,000 / $16,000
2026
TDI (employee, maximum)
0.5% of weekly wages
Max $7.50 a week
State paid family leave
None
—
Hawaii take-home pay at common salaries
Gross salary
Take-home / year
Per biweekly paycheck
State taxes + deductions
Effective tax rate
$50,000
$40,080
$1,541.54
$2,275
19.8%
$75,000
$57,321
$2,204.66
$4,271
23.6%
$100,000
$72,994
$2,807.45
$6,186
27.0%
$150,000
$103,757
$3,990.66
$10,034
30.8%
Single filer, standard deduction, no 401(k), pre-tax benefits or local taxes. For a married couple filing jointly on one $120,000 income the estimate is $94,877 a year ($3,649.13 biweekly), an effective rate of 20.9%.
What catches Hawaii workers out
The TDI deduction is optional for employers to pass on. This estimate assumes you pay the maximum employee share. If your employer covers it, your take-home will be slightly higher.
Prepaid Health Care premiums are not included. Hawaii's Prepaid Health Care Act lets employers deduct part of a health plan premium. If that appears on your stub, enter it under pre-tax or after-tax deductions as applies.
The General Excise Tax is not on your paycheck. Hawaii's GET is a tax on business receipts, so it does not reduce wages.
2027 will look different. Act 46 steps the rate schedule again in 2027, and reporting from tax-news services says new 2026 legislation adds a higher rate on income over $1 million from 2027. Do not reuse these 2026 brackets for next year.
Local taxes
Hawaii has no city or county income tax on wages, to our knowledge.
Assumptions and limits of this estimate
Federal tax uses the 2026 brackets and standard deduction (single $16,100; married filing jointly $32,200; head of household $24,150) with no dependents, credits or extra withholding. Federal deductions for tips, overtime and seniors are not applied.
Social Security is 6.2% up to $184,500 of wages; Medicare is 1.45%, plus 0.9% on wages above $200,000 ($250,000 for joint filers).
The 401(k) deferral is capped at the 2026 limit of $24,500. Pre-tax benefits reduce federal, FICA and most state wages.
The employee pays the maximum TDI share (0.5% up to the weekly wage base).
The $1,144 personal exemption is the 2025 value; a 2026 change had not been published in the sources we reviewed.
Prepaid Health Care premiums are not included.
This is an estimate for planning, not tax advice. Your employer's payroll system and your W-4 determine actual withholding.
2026 federal brackets and standard deductions: IRS Revenue Procedure 2025-32. Social Security wage base of $184,500: Social Security Administration.
Last updated October 31, 2026
Prepared by Ratixa Editorial. Drafts are AI-assisted and the site operator is responsible for the content; see our editorial policy. Not reviewed by a licensed tax professional.
Frequently asked questions
What are the Hawaii income tax brackets for 2026?
Twelve brackets from 1.4% to 11%. For single filers the first bracket covers taxable income up to $9,600 and the 11% rate starts above $325,000. Married and head-of-household filers use wider bands.
What is the Hawaii standard deduction for 2026?
$8,000 for single filers, $12,000 for head of household and $16,000 for married filing jointly, raised from the 2025 amounts under Act 46.
What is Hawaii TDI and who pays it?
Temporary Disability Insurance is required coverage in Hawaii. The employee share is capped at 0.5% of weekly wages and $7.50 a week in 2026. Employers can pay part or all of the cost.
How much take-home pay is $75,000 in Hawaii?
For a single filer with no 401(k) or benefit deductions, about $57,321 a year, or $2,204.66 per biweekly paycheck, assuming you pay the maximum TDI contribution.
Does Hawaii have paid family leave?
Not as a state payroll program. The state's employee-paid disability coverage is TDI.