Paycheck calculators · Michigan · Tax year 2026

Michigan Paycheck Calculator: 2026 Take-Home Pay, Estimated

Michigan withholding is the simplest in this series: a flat 4.25 percent on your wages after a personal exemption of $5,900 for each exemption on your Form MI-W4, with no standard deduction and no brackets. Detroit adds a city income tax of 2.4 percent for residents and 1.2 percent for nonresidents, after $600 per exemption, and about two dozen other Michigan cities levy smaller city taxes you can enter yourself. Enter your pay and this calculator estimates your 2026 take-home pay, federal tax and FICA included, with an optional view of the new 2026 tips and overtime deductions.

Last reviewed: November 4, 2026.

The 2026 Michigan numbers

Michigan paycheck figures, from the Michigan Department of Treasury and the City of Detroit
State rate	Flat 4.25 percent of wages after exemptions (Michigan Department of Treasury, Form 446, 2026 Michigan Income Tax Withholding Guide)
Personal exemption	$5,900 per exemption claimed on Form MI-W4 for 2026, up from $5,800 in 2025. Michigan withholding has no standard deduction.
Detroit city tax	2.4 percent for residents and 1.2 percent for nonresidents, after $600 per exemption (City of Detroit employer withholding instructions; Detroit withholding is administered by the Michigan Department of Treasury)
Other city taxes	About two dozen Michigan cities levy their own income tax, most at 1 percent for residents and 0.5 percent for nonresidents. Enter your rate in the calculator; it is applied to gross wages.
Federal withholding	IRS Publication 15-T for 2026, Worksheet 1A percentage method
Social Security and Medicare	6.2 percent up to $184,500 of wages; 1.45 percent on all wages; an extra 0.9 percent Medicare withholding over $200,000 (IRS Topic No. 751; Social Security Administration)

Checked against IRS sources · Reviewed November 4, 2026

The paycheck calculator

Your pay

Salary Hourly

Yearly salary before tax (dollars)

How often are you paid? Filing status

Married filing separately uses the single table in Publication 15-T, so choose Single for a withholding estimate on that status.

Your Form W-4 (optional)

The Step 2 box is checked on my Form W-4 (multiple jobs or a working spouse)

Other income, Step 4(a) (yearly dollars, optional) Dependents amount, Step 3 (yearly dollars, optional) Deductions, Step 4(b) (yearly dollars, optional) Extra withholding, Step 4(c) (dollars per paycheck, optional)

These four entries copy what is on the Form W-4 you gave your employer. Leave them blank if your W-4 has none of them, which is the common case.

Tips and overtime (optional, new for 2026) Tips you expect to receive this year (dollars, optional) Overtime premium you expect this year (dollars, optional)

The premium is only the extra half of time-and-a-half, not your full overtime pay. Both amounts are wages: they are taxed like the rest of your pay in the estimate, and the results also show what the new 2026 deductions for tips and the overtime premium could be worth on your return.

Michigan (Form MI-W4 and city taxes) Exemptions you claim on Form MI-W4

One for yourself, one for a spouse, and one for each dependent. Each exemption takes $5,900 off your yearly wages before the flat 4.25 percent rate applies. The same count is used for the Detroit exemption adjustment below, because the exemptions allowable for Michigan tax are also allowable for Michigan cities.

City income tax City income tax rate (percent, only for another Michigan city)

About two dozen Michigan cities levy a city income tax, most at 1 percent for residents and 0.5 percent for nonresidents. Only Detroit is figured with its own exemption adjustment here; for any other city, enter your rate and it is applied to your gross wages as an approximation.

Estimate only. This tool gives a general estimate based on the figures you entered and the published IRS rules cited on this page. It is not tax advice, it is not a tax return, and it cannot be relied on to avoid any tax penalty. Tax law and IRS guidance change. Confirm your figures against the current IRS instructions for the form you file, or ask a qualified tax professional.

Nothing you enter is sent anywhere. The calculation runs in your browser.

How this estimate is calculated

Federal income tax follows Worksheet 1A of IRS Publication 15-T for 2026, the worksheet employer payroll systems use for the automated percentage method. Your pay is annualized, your Form W-4 entries are applied, including the adjustment that applies when the Step 2 box is not checked ($12,900 on a joint return, $8,600 otherwise), and the 2026 percentage method table for your filing status gives the withholding. This calculator assumes a current Form W-4, the version in use since 2020.

Social Security and Medicare (FICA) are withheld at 6.2 percent of wages up to the 2026 wage base of $184,500, and 1.45 percent of all wages for Medicare, with an extra 0.9 percent Medicare withholding on wages over $200,000 in the year, as IRS Topic No. 751 sets out. Tips count as wages for FICA.

Michigan tax is the flat 4.25 percent from the Department of Treasury's 2026 withholding guide applied to wages after $5,900 per exemption claimed on Form MI-W4. The Detroit line uses the same exemption count at $600 per exemption, following the City of Detroit's employer withholding instructions, and it treats the pay you entered as Detroit pay; a nonresident is taxed only on pay for work performed in Detroit, so if only part of your work is in the city, the Detroit line here overstates that part of your paycheck. For any other Michigan city, the rate you enter is applied to your gross wages without an exemption adjustment, which is why that line is labelled with the rate you entered rather than a city name.

the saving lands on the return, not the paycheck

Tips and overtime: the 2026 difference

Most paycheck calculators stop at withholding. This one also shows the new 2026 deduction context, because tax year 2026 is the first year tips and the overtime premium carry deductions of their own: tips up to $25,000 per return, and the overtime premium up to $12,500, or $25,000 on a joint return, claimed on the new Schedule 1-A. Both phase out from $150,000 of modified adjusted gross income, or $300,000 on a joint return.

Two cautions belong with that panel. First, the deductions are worked out on your tax return, not in your paycheck: the saving normally arrives at filing time, unless you adjust your Form W-4 so withholding reflects the deductions during the year, which the 2026 Form W-4 allows. Second, for 2026 the IRS states in Fact Sheet FS-2026-13 that the deductions are generally limited to the amounts your employer separately reports on your W-2, in Box 12 with code TP for tips and code TT for the overtime premium. The tips deduction calculator and the overtime deduction calculator work through those rules in full.

no 401(k) assumed here, on purpose

What this estimate does not include

Pre-tax deductions from your pay, such as 401(k) or 403(b) contributions and health insurance premiums. Those reduce the wages most taxes are figured on, and they depend on elections only you and your employer know, so no honest estimate can assume them.
Bonuses, commissions, and irregular pay. Payroll annualizes each check as if it repeated all year, so a one-off payment is usually withheld at a higher effective rate than this estimate shows for steady pay.
Credits and return-level items. Withholding is an advance payment. Your actual tax is settled on your return, where credits, other income, and deductions all enter.
Any local tax other than the one you select or enter on this page.

PlainStub also runs paycheck calculators for Pennsylvania, Washington, Illinois, New Jersey, Ohio, Michigan, South Carolina, and Virginia, each built on that state's own published 2026 figures.

Sources

Michigan Department of Treasury: Form 446, Michigan Income Tax Withholding Guide (Rev. 10-25). The 4.25 percent withholding rate and the 2026 personal exemption amount of $5,900. Checked November 4, 2026.
City of Detroit: Employer Withholding Instructions, City of Detroit Income Tax. The resident and nonresident rates and the $600 per exemption adjustment. Checked November 4, 2026.
Michigan Department of Treasury: Form 5469, City of Detroit Income Tax Withholding Guide. Detroit withholding is administered by the Department of Treasury. Checked November 4, 2026.
IRS, Publication 15-T, Federal Income Tax Withholding Methods, 2026 edition. Worksheet 1A and the 2026 percentage method tables. Checked November 4, 2026.
IRS, Topic No. 751, Social Security and Medicare Withholding Rates; Social Security Administration, Contribution and Benefit Base for 2026 ($184,500). Checked November 4, 2026.

Last reviewed: November 4, 2026.