Enter your pay details below to estimate your New Hampshire take-home pay for 2026. Because New Hampshire does not tax wages, your paycheck only has federal deductions on it, which makes the math simpler here than in almost any other state.
Quick answer: what comes out of a New Hampshire paycheck
New Hampshire withholds nothing at the state level from wages. Your gross pay is reduced by three federal items and whatever benefits you elect:
| Deduction |
2026 Rate |
Applies To |
| Federal income tax |
10 percent to 37 percent, graduated |
Taxable wages after your Form W-4 elections |
| Social Security (OASDI) |
6.2 percent |
First $184,500 of wages |
| Medicare |
1.45 percent |
All wages, no cap |
| Additional Medicare |
0.9 percent |
Wages above $200,000 single, $250,000 joint, $125,000 married filing separately |
| New Hampshire state income tax |
0 percent |
Not applicable |
| New Hampshire local income tax |
0 percent |
Not applicable |
The maximum Social Security tax any single employer will withhold in 2026 is $11,439. Once your year-to-date wages with that employer pass $184,500, the 6.2 percent line disappears, and your paychecks get noticeably larger for the rest of the year.
Why New Hampshire paychecks are different
New Hampshire is one of a small group of states with no broad-based individual income tax. For decades, there was one exception: the Interest and Dividends Tax, which never touched wages but did tax investment income at rates that stepped down from 5 percent to 4 percent to 3 percent. That tax was repealed for tax periods beginning on or after January 1, 2025 under House Bill 2.
What this means in practice:
- Your employer has no New Hampshire withholding to calculate, so there is no state withholding certificate to fill out. New Hampshire has no state equivalent of Form W4.
- Your pay stub should show no state income tax line at all. If you see one, ask your payroll department about it, because it may mean you are being withheld for the state where your employer is registered rather than New Hampshire.
- Retirement income, capital gains, interest, and dividends are all untaxed at the state level as of 2025.
- New Hampshire also has no general sales tax, though it does levy a meals and rooms tax and has among the highest property tax rates in the country. The tax advantage is real, but it shows up in your paycheck rather than your housing costs.
A note for cross-border workers. If you live in New Hampshire but physically work in Massachusetts, Maine, or Vermont, that state generally taxes the income you earn there, and your paycheck will show its withholding. Living in New Hampshire does not by itself exempt you. The reverse also matters: if you live in Massachusetts and work in New Hampshire, Massachusetts still taxes you as a resident. Our calculator estimates the New Hampshire scenario, which is wages earned by someone whose work state is New Hampshire.
How to calculate your New Hampshire take-home pay
The formula is straightforward once you know there is no state layer:
Gross pay minus pre-tax deductions minus federal income tax minus FICA minus post-tax deductions equals net pay
Step 1: Find your gross pay for the period.
Salaried: divide annual salary by the number of pay periods. Weekly is 52, biweekly is 26, semimonthly is 24, monthly is 12. Hourly: multiply hours by your rate, then add overtime at 1.5 times your regular rate for every hour over 40 in a workweek.
Step 2: Subtract pre-tax deductions.
Traditional 401k contributions, HSA and FSA contributions, and most employer-sponsored health premiums under a Section 125 plan come out before federal income tax is figured. For 2026, the 401k elective deferral limit is $24,500, with a catch-up of $8,000 at age 50 and up and a higher catch-up of $11,250 for ages 60 through 63. Note that 401k contributions reduce your federal income tax but not your FICA, while Section 125 health premiums reduce both.
Step 3: Calculate federal income tax withholding.
This depends on your filing status, dependents, multiple jobs checkbox, and any extra withholding you requested on Form W4. The IRS percentage method in Publication 15 does the work. Our calculator applies the current year tables automatically.
Step 4: Calculate FICA.
Social Security at 6.2 percent until you hit $184,500 year-to-date, plus Medicare at 1.45 percent on everything.
Step 5: Skip the state step.
There isn’t one in New Hampshire.
Step 6: Subtract post-tax deductions.
Roth 401k contributions, wage garnishments, union dues, and voluntary Granite State Paid Family Leave premiums if you enrolled.
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Example: what $70,000 looks like in New Hampshire
Illustrative estimate for a single filer with no dependents, standard deduction, and no pre-tax deductions. Your actual withholding depends on your Form W4.
| Income / Deduction |
$45,000 |
$70,000 |
$120,000 |
| Gross annual pay |
$45,000 |
$70,000 |
$120,000 |
| Social Security (6.2 percent) |
$2,790 |
$4,340 |
$7,440 |
| Medicare (1.45 percent) |
$653 |
$1,015 |
$1,740 |
| Estimated federal income tax |
$3,220 |
$6,570 |
$17,570 |
| New Hampshire state tax |
$0 |
$0 |
$0 |
| Estimated annual take home |
$38,337 |
$58,075 |
$93,250 |
| Estimated biweekly take home |
$1,475 |
$2,234 |
$3,587 |
Run your own numbers in the calculator above for a figure that reflects your actual filing status and deductions.
New Hampshire payroll rules employees should know
Minimum wage. $7.25 per hour, matching the federal floor. New Hampshire has no mechanism to set a higher state rate and has been at $7.25 since 2009.
Tipped wage. Eligible tipped employees at restaurants, hotels, motels, inns, cabins, and ballrooms who regularly receive more than $30 a month in tips may be paid a cash wage of at least 45 percent of the minimum wage, which is $3.27 per hour. If tips plus cash wage do not reach $7.25 per hour, the employer must make up the difference.
Overtime. 1.5 times the regular rate for every hour worked beyond 40 in a workweek, for employees who are not exempt.
Pay frequency. New Hampshire employers must pay at least weekly, or biweekly with proper authorization, on a regular payday established in advance and communicated to employees in writing.
Deductions. Most deductions beyond taxes require your written consent. Employers generally cannot deduct for cash shortages, breakage, or business losses.
Paid family leave. The Granite State Paid Family Leave Plan is voluntary, not a mandate. It provides up to six weeks of leave at 60 percent of average weekly wage. If your employer has 50 or more employees and you buy an individual plan, your employer must facilitate the payroll deduction. Individual plan premiums are capped at a modest weekly amount, so if you see a small PFML line on your stub, that is what it is.
For New Hampshire employers: your side of the ledger
If you run payroll in New Hampshire, your state obligation is a single item.
State Unemployment Insurance (SUI), paid entirely by you, never withheld from employees:
- Taxable wage base: the first $14,000 of each employee’s annual wages
- New employer rate: 2.7 percent, reduced by any Fund Balance Reduction in effect for the applicable quarter
- Experienced employer rates: vary by your claims history and are reviewed and reassigned annually by New Hampshire Employment Security, with quarterly adjustments possible through trust fund reductions and surcharges
- Filing: a quarterly Tax and Wage Report to NHES for every quarter in which you provide employment
Federal Unemployment Tax (FUTA): 6.0 percent on the first $7,000 of each employee’s wages, with a credit of up to 5.4 percent if you pay your state unemployment tax in full and on time, bringing the effective rate to 0.6 percent, or roughly $42 per qualifying employee per year.
Employer FICA match: 6.2 percent Social Security up to $184,500 and 1.45 percent Medicare with no cap. You do not match the additional 0.9 percent Medicare tax.
What you do not have to do: register for state income tax withholding, file state withholding returns, or collect a state W4. New Hampshire has none of these.
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From estimate to document
A calculator gives you a number. A lender, landlord, or loan officer wants a document.
If you are self-employed, a contractor, or a small business owner in New Hampshire and you need proof of income, the numbers you just calculated can be turned into a formatted pay stub showing gross pay, itemized federal deductions, a correctly blank state line, net pay, and year-to-date totals. That is what this site does.
Frequently asked questions
Does New Hampshire have a state income tax?
No, New Hampshire does not tax wages or salaries and never has. The Interest and Dividends Tax, which applied only to investment income, was repealed for tax periods beginning on or after January 1, 2025. New Hampshire now has no individual income tax of any kind, and no city or town levies a local income tax.
How much is taken out of a New Hampshire paycheck?
Federal income tax based on your Form W4, plus 6.2 percent Social Security on the first $184,500 of 2026 wages and 1.45 percent Medicare on all wages. There is no state withholding. For a typical single filer earning $70,000, total federal withholding runs roughly 17 percent of gross.
Why does my pay stub show no state tax?
That is correct for New Hampshire. If your stub shows a state income tax line and you both live and work in New Hampshire, contact your payroll department, because you may be set up under the wrong work state.
I live in New Hampshire but work in Massachusetts. Do I get the no tax benefit?
Not on that income. Massachusetts taxes wages earned within Massachusetts regardless of where you live. You would file a Massachusetts nonresident return. Your New Hampshire residency does help with investment income, which no state taxes for you.
When does Social Security stop coming out of my paycheck?
When your year-to-date wages with a single employer reach $184,500 in 2026. The cap resets every January 1 and applies per employer, so if you work two jobs, you may overpay and claim the excess as a credit when you file.
Is New Hampshire good for retirees?
On income, yes. There is no state tax on retirement distributions, Social Security benefits, pensions, interest, dividends, or capital gains as of 2025. Property taxes are high, so the overall picture depends on your housing situation.
What is the New Hampshire SUTA rate for 2026?
New employers start at 2.7 percent on the first $14,000 of each employee’s wages, adjusted by any Fund Balance Reduction in effect. Experienced employers receive a rate based on their claims history. Only employers pay it. It is never deducted from employee wages.
Does this calculator work for hourly and salaried pay?
Yes, Switch between hourly and salary mode, choose any pay frequency, add overtime hours, and enter pre-tax or post-tax deductions.
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Sources and methodology
This calculator applies the 2026 federal withholding tables from IRS Publication 15 and the FICA rates and wage base published by the Social Security Administration. New Hampshire figures come from the New Hampshire Department of Revenue Administration, New Hampshire Employment Security, and the New Hampshire Department of Labor.
- Interest and Dividends Tax repeal: New Hampshire Department of Revenue Administration, Technical Information Release 2025-001
- 2026 Social Security wage base of $184,500: Social Security Administration and IRS Topic 751
- New Hampshire unemployment insurance wage base and rates: New Hampshire Employment Security
- Minimum wage and tipped wage: New Hampshire Department of Labor
Disclaimer: This tool provides estimates for informational purposes and is not tax, legal, or accounting advice. Actual withholding depends on your Form W4, benefit elections, and employer payroll setup. Consult a qualified tax professional for advice specific to your situation.
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