Hawaii Paycheck & Income Tax Calculator

How Hawaii income tax works

Hawaii takes two things off your income before any rate applies:

1. the standard deduction, $8,000 for a single filer and $16,000 filing jointly for 2026, and
2. a personal exemption of $1,144 for yourself, and the same again for a spouse on a joint return. Hawaii did not adopt the federal suspension of personal exemptions, so this one still counts.

What is left is taxed through twelve brackets, from 1.4% to 11%. A single filer on $75,000 deducts $9,144, leaving $65,856 of taxable income. The first $48,000 of that runs through six bands and costs $2,539.20. The remaining $17,856 is taxed at 7.6%, another $1,357.06. The total is $3,896.26, an effective state rate of 5.2%. A married couple on the same $75,000 deducts $18,288 and pays $2,310.82.

The thresholds are low. Six of the twelve bands are used up by $48,000 of taxable income, which a single filer reaches at a salary of $57,144. From there the 7.6% band runs all the way to $125,000, so a single filer earning anywhere from $57,144 to $134,144 pays 7.6% on the next dollar. The four bands above it, 7.9% to 10%, sit between $125,000 and $325,000, and 11% applies above $325,000. Every joint threshold is exactly twice the single one, as are the deduction and the exemptions.

The effective rate climbs steadily as a result: 2.2% at $30,000, 4.0% at $50,000, 5.2% at $75,000, 5.8% at $100,000 and 6.4% at $150,000.

One small difference from your return. Below $100,000 of taxable income, Form N-11 uses the Hawaii Tax Table, which works in $50 steps and rounds to the dollar. The figure here uses the rates directly, so the two can differ by a dollar or two.

The 2026 deduction step

Act 46 of the 2024 session, known as GAP II, the Green Affordability Plan II, raises the standard deduction in steps and widens the brackets in steps. 2026 is a deduction year. For taxable years beginning after December 31, 2025, the statute sets the deduction at $8,000 for a single filer, $16,000 filing jointly and $12,000 for head of household, up from $4,400, $8,800 and $6,424. The brackets stay where they were in 2025.

On $75,000 the step is worth $273.60 a year to a single filer: $3,600 more of income is deducted instead of being taxed at 7.6%. A married couple on the same income saves $489.60.

The deduction steps written into the law:

The brackets change next in 2027, and the 2026 session changed what that looks like. Act 24 of 2026 lowers the second band from 3.2% to 2.5% and the third from 5.5% to 5% from 2027, and adds a 13% band on taxable income above $500,000 for a single filer, or $1 million filing jointly. The Department of Taxation’s summary of the session lists these as changes for tax years 2027 and 2029. The 2026 brackets are untouched.

TDI, the one state payroll deduction

Hawaii’s Temporary Disability Insurance law, enacted in 1969, requires employers to provide insurance that partly replaces wages when an employee cannot work because of an injury or sickness that happened off the job, including pregnancy. For 2026 a statutory plan pays 58% of average weekly wages, up to $871 a week, for as long as 26 weeks.

Your employer may pay the whole premium, or share it with you. If it shares, the Disability Compensation Division sets the limit: no more than 0.5% of your weekly wages, counting wages only up to the 2026 maximum weekly wage base of $1,500.21, which caps the deduction at $7.50 a week.

This calculator shows that maximum: 0.5% of pay, which is $375.00 a year on $75,000, and never more than $390.00 over 52 weeks. If your employer pays all of it, add that back to the take-home figure.

Unemployment insurance is paid entirely by employers, so TDI is the only state payroll deduction here. Employers may also withhold part of a health plan premium under the Prepaid Health Care Act, up to 1.5% of wages. That is a health insurance premium, and like health premiums in every state it is not included.

Take-home pay at every salary in Hawaii

After federal tax, Hawaii tax with the 2026 deduction and exemption, FICA and the most that TDI can take. With no county income tax, these figures hold on every island.

What lands in your account each payday

On $75,000 a year in Hawaii, filing single, split across the pay schedules employers actually use.

Dates that matter for the 2026 tax year

Hawaii returns (Form N-11) are due April 20, 2027, five days after the federal deadline, because the law sets the due date on the twentieth day of the fourth month after the tax year ends. The Department of Taxation grants an automatic six-month extension, to October 20, 2027, with no form to file, as long as you are due a refund or have paid your properly estimated tax, at least 90% of what you owe, by April 20. The extension is to file, not to pay.

If you have income with no withholding, 2026 estimated payments fall on April 20, June 20 and September 20, 2026, and January 20, 2027.

The figures here assume no dependents and the standard deduction. Head of household has its own brackets and a $12,000 deduction; each dependent adds a $1,144 exemption, as does turning 65; and Hawaii’s refundable credits, such as the food/excise tax credit and the earned income tax credit, depend on household details. None of these is modeled.

Questions people ask

What are the Hawaii income tax brackets for 2026?

Twelve. For a single filer: 1.4% up to $9,600, 3.2% to $14,400, 5.5% to $19,200, 6.4% to $24,000, 6.8% to $36,000, 7.2% to $48,000, 7.6% to $125,000, 7.9% to $175,000, 8.25% to $225,000, 9% to $275,000, 10% to $325,000 and 11% above that. Every joint threshold is exactly double. These are the same brackets as 2025; the next change is in 2027.

What is the Hawaii standard deduction for 2026?

$8,000 for a single filer or married filing separately, $16,000 filing jointly and $12,000 for head of household. For 2024 and 2025 it was $4,400, $8,800 and $6,424. The increase comes from Act 46 of 2024, and the next step is in 2028, to $9,000 and $18,000.

Does Hawaii have a personal exemption?

Yes. Hawaii did not adopt the federal suspension of personal exemptions, so you deduct $1,144 for yourself, and a couple filing jointly deducts $2,288. It comes off your income along with the standard deduction.

How much Hawaii income tax do I pay on $75,000?

A single filer pays $3,896 for 2026. The $8,000 deduction and $1,144 exemption leave $65,856 taxable, and the part above $48,000 is taxed at 7.6%. That is an effective rate of 5.2%. A married couple on the same income pays $2,311.

How much does the 2026 deduction increase save?

On $75,000, $274 a year for a single filer, because the extra $3,600 of deduction would otherwise be taxed at 7.6%. A married couple on the same income saves $490.

What is TDI on a Hawaii paycheck?

Temporary Disability Insurance, which Hawaii requires employers to provide. Your employer may withhold up to half the premium, but never more than 0.5% of your weekly wages, and in 2026 no more than $7.50 a week, or $390 over a year. Your employer may pay more of it, or all of it. This calculator shows the most that can be withheld.

Does any Hawaii county charge a local income tax?

No. The Hawaii Constitution reserves the taxing power to the State except where the legislature delegates it, and no county levies an income tax. Your bill is the same on every island.

Is unemployment insurance deducted from Hawaii paychecks?

No. The Unemployment Insurance Division says employers pay all of its costs and employees "do not pay any part of their wages to finance the program".

When is the 2026 Hawaii return due?

April 20, 2027, five days after the federal deadline. There is an automatic six-month extension to October 20, 2027, with no form, if you are due a refund or have paid at least 90% of the tax by April 20. It extends the time to file, not to pay.

Is my data sent anywhere?

No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.