Hawaii paycheck taxes at a glance
| Income tax on wages | Progressive, 1.4% – 11% |
|---|---|
| Standard deduction | $8,000 single · $16,000 married filing jointly |
| Personal exemption | $1,144 single · $2,288 joint · $1,144 per dependent |
| HI TDI (up to $7.50/week) | 0.5% of wages up to $78,000 |
| Minimum wage (2026) | $16.00 an hour (rises to $18.00 on January 1, 2028; employers may take a $1.25 tip credit only if wages plus tips are at least $7.00 above the minimum) |
2026 Hawaii income tax brackets (single filers)
| Taxable income | Rate |
|---|---|
| $0 – $9,599 | 1.4% |
| $9,600 – $14,399 | 3.2% |
| $14,400 – $19,199 | 5.5% |
| $19,200 – $23,999 | 6.4% |
| $24,000 – $35,999 | 6.8% |
| $36,000 – $47,999 | 7.2% |
| $48,000 – $124,999 | 7.6% |
| $125,000 – $174,999 | 7.9% |
| $175,000 – $224,999 | 8.25% |
| $225,000 – $274,999 | 9% |
| $275,000 – $324,999 | 10% |
| $325,000 and up | 11% |
Example: a $105,000 salary in Hawaii
The median household income in Hawaii is about $105,013 (2025 data). Here's what one earner with that salary, paid every two weeks, filing single with no pre-tax deductions, would see on each paycheck in 2026:
| Gross pay | $4,038.46 |
|---|---|
| Federal income tax | −$548.85 |
| Social Security | −$250.38 |
| Medicare | −$58.56 |
| Hawaii income tax | −$237.55 |
| HI TDI (up to $7.50/week) | −$15.00 |
| Take-home pay | $2,928.12 |
That's $76,131 a year in take-home pay, or 27.5% of gross pay going to taxes.
Take-home pay by salary in Hawaii
Single filer, paid biweekly, standard W-4, no pre-tax deductions:
| Salary | Per paycheck | Per year | State taxes | Total tax rate |
|---|---|---|---|---|
| $40,000 | $1,261.33 | $32,795 | $1,525 | 18% |
| $60,000 | $1,820.53 | $47,334 | $3,056 | 21.1% |
| $80,000 | $2,324.76 | $60,444 | $4,666 | 24.4% |
| $100,000 | $2,807.45 | $72,994 | $6,186 | 27% |
| $150,000 | $3,990.66 | $103,757 | $10,034 | 30.8% |
| $200,000 | $5,187.99 | $134,888 | $14,039 | 32.6% |
What changed for 2026
- The standard deduction rose from $4,400 to $8,000 for single filers, from $8,800 to $16,000 for joint filers and from $6,424 to $12,000 for heads of household, under Act 46 of 2024. The brackets are the same as in 2025.
- The minimum wage rose from $14.00 to $16.00 an hour on January 1, 2026. The next step, to $18.00, is scheduled for January 1, 2028.
- The 2026 TDI maximum weekly wage base is $1,500.21, so the most an employee can be charged is $7.50 a week.
Hawaii pay rules worth knowing
- Employers must pay at least twice a month on regular paydays set in advance, though employees can choose to be paid monthly.
- If you're fired, your final pay is due at the time of discharge or by the next working day. If you quit, it's due by the next regular payday, or on your last day if you gave one pay period's notice.
The 2026 step of Hawaii’s tax cut
Act 46 of 2024 phases in Hawaii’s income tax cut in alternating steps: the brackets widen in odd years (2025, 2027 and 2029), and the standard deduction rises in even years (2024, 2026, 2028, 2030 and 2031). For 2026 the brackets stay where they were in 2025, and the standard deduction jumps:
| Filing status | 2025 | 2026 |
|---|---|---|
| Single | $4,400 | $8,000 |
| Married filing jointly | $8,800 | $16,000 |
| Head of household | $6,424 | $12,000 |
Hawaii also keeps a personal exemption of $1,144 per person, which the federal system dropped years ago. Together with the larger standard deduction, a single filer now owes nothing on the first $9,144 of income.
Because the cut works through deductions and bracket widths rather than rates, the rates themselves are unchanged and still climb to 11%. A 2026 law will add a 13% rate on taxable income over $1 million starting in 2027.
Temporary Disability Insurance
Hawaii is one of a handful of states with mandatory temporary disability insurance (TDI) for non-work illness and injury. Your employer can charge you half the premium cost, but no more than 0.5% of your weekly wages, capped at $7.50 a week for 2026. That’s at most $390 a year. The calculator shows the maximum employee share: 0.5% of wages, reaching the $7.50 cap at about $1,500 a week. Your employer may withhold less.
Health coverage under the Prepaid Health Care Act
Hawaii’s Prepaid Health Care Act requires employers to provide health insurance to regular employees. Coverage applies once you work at least 20 hours a week and earn at least 86.67 times the minimum wage in a month ($1,387 in 2026). Your share of the premium is limited to half its cost or 1.5% of your wages, whichever is less. If you have a health deduction on your stub, enter it in the calculator’s health insurance field.
The general excise tax
Hawaii has no sales tax. Instead it charges a general excise tax (GET) of 4% on businesses’ gross receipts, plus a 0.5% county surcharge on Oahu, Kauai, Maui and the Big Island. The tax is on the business, not the customer, but businesses often pass it on in their prices.
The income tax calculator estimates your full-year federal tax, and the cost of living calculator compares a Hawaii salary with one on the mainland.
Estimates only. Your employer’s payroll system, your W-4 and your Form HW-4 determine your actual paycheck.
How we calculate: Hawaii TDI is shown at the most an employee can be charged (0.5% of wages, up to $7.50 a week); employers may withhold less, since the employee share is capped at half the premium cost.
Sources
- Hawaii Department of Taxation: Announcement 2024-03 (Act 46)
- Hawaii Department of Labor: Minimum wage
- Hawaii Department of Labor: Unpaid wages, pay frequency and final pay
- Hawaii Department of Labor: 2026 TDI maximum weekly wage base
- Hawaii Department of Labor: Prepaid Health Care
- Hawaii Department of Taxation: General excise tax
- EY Tax News: Hawaii establishes higher personal income tax rate on income over $1 million
- Census Bureau: Household Income in States and Metropolitan Areas, 2025
- files.hawaii.gov
- files.hawaii.gov
- labor.hawaii.gov
- IRS Publication 15-T (federal withholding)
Frequently asked questions
How much does the new standard deduction save?
It depends on your bracket. For a single filer earning the state's median household income of about $105,000, the extra $3,600 of deduction falls in the 7.6% bracket, saving about $274 for the year. A married couple filing jointly gets $7,200 more, worth about $547 if their income falls in the same 7.6% bracket.
What is TDI on my Hawaii pay stub?
Temporary Disability Insurance pays partial wages if you can't work because of an illness or injury that isn't job-related. Employers can withhold up to half the premium cost from your pay, but no more than 0.5% of your weekly wages, and never more than $7.50 a week in 2026.
Can my employer deduct health insurance premiums from my pay?
Yes, within limits. Hawaii's Prepaid Health Care Act requires employers to provide health coverage to employees who work at least 20 hours a week. The employee's share can't exceed half the premium or 1.5% of monthly wages, whichever is less.
Will Hawaii income tax keep going down?
For most people, yes. Act 46 widens the brackets again in 2027 and 2029 and raises the standard deduction in 2028, 2030 and 2031, reaching $12,000 for single filers. Separately, a 2026 law adds a 13% rate on taxable income over $1 million starting in 2027.
Facts verified November 6, 2026. Estimates only; your employer's payroll system and your W-4 determine your actual withholding.