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Virginia Paycheck Calculator

Estimate your Virginia take-home pay in real time — federal tax, FICA, and Virginia state income tax for salary or hourly workers.

Your Pay Details

Total gross pay before any deductions.

Pre-tax deductions

Pre-tax retirement contributions — capped at $24,500 per year.

Your share of employer plan premiums, paid pre-tax.

Advanced optionsOvertime, tips, Roth, and special tax situations

Exempt from federal income tax up to $25,000 under OBBBA — but fully taxable on your state return.

After-tax — reduces take-home pay but not your taxes.

Results update automatically as you type — nothing is submitted or stored.

Your Estimated Take-Home

Net pay per bi-weekly paycheck

$2,234

$58,094 per year ·22.5% of gross withheld

Gross

$2,885

Federal tax

$295

10.2% effective

FICA

$221

Virginia tax

$135

4.7% effective

  • Federal income tax$7,670
  • FICA$5,738
  • VA state tax$3,498
  • Pre-tax deductions$0
  • Take-home pay$58,094
Gross pay$75,000
Federal income tax$7,670
FICA$5,738
VA state tax$3,498
Pre-tax deductions$0
Take-home pay$58,094

How the Virginia paycheck calculator works

This tool models a Virginia paycheck the way payroll does. Start with gross pay — an annual salary, or an hourly rate multiplied by your weekly hours across 52 working weeks. From there it subtracts your pre-tax elections (traditional 401(k), HSA, and employer health/dental/vision premiums) before applying the current-year federal brackets, the federal standard deduction, Social Security up to the annual wage base, and Medicare on all wages.

Virginia's layer comes next: the state applies its own four-bracket schedule to Virginia taxable income after the Virginia standard deduction, your Form VA-4 personal exemptions, and any state-specific subtractions you claim. Because Virginia has no local income tax, nothing else is added for city or county taxes.

Everything runs client-side in your browser — the same tax engine that renders this page pre-calculates your results before you type, then updates them live with every keystroke. No account, no submit button, and no data leaves your device.

Virginia income tax rates

Virginia taxes income at four flat rates with the same thresholds for every filing status — unlike the federal code, joint filers do not get doubled brackets. The standard deduction is $8,750 for single filers and $17,500 for joint filers, and each personal exemption claimed on Form VA-4 removes another $930 from state taxable income.

Virginia state income tax brackets
RateVirginia taxable income
2%$0 – $3,000
3%$3,000 – $5,000
5%$5,000 – $17,000
5.75%Over $17,000

Source: Virginia Department of Taxation withholding tables, tax year 2026.

Federal income tax brackets

Federal tax comes out first for most workers. The current-year brackets below apply after the federal standard deduction — $16,100 for single filers, $32,200 for joint filers, and $24,150 for head of household — plus an additional deduction of $2,050 per qualifying factor (age 65+ or blind) for most filers.

Federal income tax brackets
RateSingleMarried filing jointly
10%$0 – $12,400$0 – $24,800
12%$12,401 – $50,400$24,801 – $100,800
22%$50,401 – $107,475$100,801 – $200,950
24%$107,476 – $205,250$200,951 – $383,900
32%$205,251 – $260,600$383,901 – $487,450
35%$260,601 – $640,600$487,451 – $768,700
37%Over $640,600Over $768,700

Source: IRS Rev. Proc. 2025-32, tax year 2026.

FICA: Social Security and Medicare

FICA is separate from income tax and applies to virtually all wage income. Social Security withholds 6.2% of wages up to the annual wage base ($184,500 for 2026); earnings above the cap stop accruing Social Security tax, which is why high earners see their FICA rate fall later in the year. Medicare withholds 1.45% on every dollar with no cap, plus an additional 0.9% on wages above $200,000 for single filers or $250,000 for joint filers.

Pre-tax retirement and HSA deductions do not reduce FICA wages — only Section 125 (premium) deductions do — so the calculator applies 401(k) and HSA contributions to income tax but not to FICA.

Overtime and tips: Virginia does not conform to OBBBA

The same overtime dollar is taxed differently by the IRS and Virginia

Federal law now exempts overtime premium pay (the extra half-time portion) up to $12,500 per year for single filers ($25,000 joint) and tip income up to $25,000 from federal income tax. Virginia has not conformed to these exemptions: overtime premium pay and tips remain fully taxable on your Virginia return. Enter overtime or tip income in Advanced options and this calculator will correctly exclude it from federal tax while keeping it in your Virginia taxable income.

Worked examples

Both examples are computed live by the same engine that powers the calculator above — change the inputs and your results update instantly.

Example 1 — $$75,000 salary, single

Bi-weekly pay, no pre-tax deductions

Take-home pay for a $75,000 single filer
Line itemAmount
Gross pay (annual)$75,000
Federal income tax−$7,670
FICA (Social Security + Medicare)−$5,738
Virginia income tax−$3,498
Take-home (annual)$58,094
Take-home (per bi-weekly paycheck)$2,234

Example 2 — $$120,000 salary, married

Bi-weekly pay, $$10,000 traditional 401(k)

Take-home pay for a $120,000 joint filer with a 401(k)
Line itemAmount
Gross pay (annual)$120,000
Federal income tax−$8,840
FICA (Social Security + Medicare)−$9,180
Virginia income tax−$5,008
Take-home (annual)$86,972
Take-home (per bi-weekly paycheck)$3,345

Virginia deductions and subtractions

Every filer

  • Standard deduction: $8,750 single / $17,500 joint
  • Personal exemption: $930 each (Form VA-4)
  • No local or city income tax anywhere in the commonwealth

Special situations

  • Military retirement subtraction: up to $40,000 per person
  • Age deduction: $12,000 per person 65+, phasing out above $75,000 AGI
  • Overtime premium and tips: fully taxable by Virginia (no OBBBA conformity)

Frequently Asked Questions

How does the Virginia paycheck calculator work?
It applies the full payroll stack to your gross pay: current-year federal income tax brackets, Social Security and Medicare (FICA), then Virginia's four state brackets after the Virginia standard deduction and personal exemptions. Enter salary or hourly pay, choose a pay frequency, and add 401(k), HSA, or insurance deductions. Every number updates in your browser as you type — nothing is submitted or stored.
Does Virginia tax overtime pay?
Yes — Virginia taxes overtime premium pay in full. Federal law (OBBBA) lets employees exclude up to $12,500 (single) or $25,000 (married filing jointly) of overtime premium from federal income tax, but Virginia has not conformed to that change, so the same overtime dollars remain fully taxable on your Virginia return. This calculator applies the exemption to federal tax only.
What are Virginia's state income tax brackets?
Virginia uses four brackets — 2%, 3%, 5%, and 5.75% — applied to Virginia taxable income, with the same thresholds for every filing status. The 2% rate covers the first $3,000 and the top 5.75% rate applies above $17,000. After the Virginia standard deduction ($8,750 single, $17,500 joint) and $930 personal exemptions, most middle-income salaries are taxed at 5% or 5.75%.
How much is taken out of a $75,000 paycheck in Virginia?
For a single filer paid bi-weekly with no pre-tax deductions, this calculator estimates about $7,670 per year in federal income tax, $5,738 in FICA, and $3,498 in Virginia income tax — roughly $2,234 of take-home pay per bi-weekly paycheck ($58,094 per year). Your W-4 elections, benefits, and retirement contributions change the exact amount.
Does Virginia have city or local income tax?
No. Virginia has no county or city wage income tax, so state withholding is identical whether you work in Richmond, Virginia Beach, Arlington, or Roanoke. Your only state-level income tax is the Virginia tax itself — there is no local add-on to model.
Is military retirement income taxed in Virginia?
Qualified military retirement income can be subtracted from Virginia taxable income — up to $40,000 per person (Va. Code § 58.1-322.03, fully phased in for the current tax year). Virginians age 65 and older can also claim a $12,000 age deduction, which phases out dollar-for-dollar above $75,000 of AGI. Tick the military retirement and age boxes under Advanced options to see the effect.
Does a 401(k) lower Virginia state tax?
Yes. Virginia withholding wages follow federal AGI, so traditional 401(k), HSA, and qualified health premiums reduce Virginia taxable income. On $75,000 with a $10,000 deferral and one exemption, Virginia tax drops from $3,498 to $2,977 here while federal tax also falls.
How is a Virginia hourly paycheck calculated?
Annualize first: hourly rate × hours per week × 52. At $25 an hour for 40 hours that is $52,000 gross. This calculator estimates $4,060 federal, $3,978 FICA, and $2,229 Virginia tax — about $803 per weekly check.

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⚠️ Disclaimer

This calculator provides estimates only. For personal financial advice, consult a licensed professional. Actual results may vary based on individual circumstances and current market conditions.