Paycheck calculators · Ohio · Tax year 2026

Ohio Paycheck Calculator: 2026 Take-Home Pay, Estimated

Ohio withholds income tax by a percentage method: your wages, minus $650 for each exemption on your Form IT-4, are taxed at 1.6 percent up to $26,050, 2.99 percent up to $100,000, and 3.4 percent above that, under the Department of Taxation tables that took effect on August 1, 2026. Most Ohio cities add a municipal income tax of their own, at a rate you enter yourself, because Ohio has no single local rate. 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 Ohio numbers

Ohio paycheck figures, from the Ohio Department of Taxation and city sources
Withholding method	Percentage method tables, Ohio Department of Taxation, effective August 1, 2026. Ohio replaced its withholding tables partway through 2026, so paychecks issued earlier in the year were figured with the prior tables.
Exemption	$650 per exemption claimed on Form IT-4, subtracted from wages before the percentage table applies
Municipal income tax	Set city by city; there is no statewide rate. Columbus charges 2.5 percent and Cleveland charges 2.5 percent (City of Columbus, Division of Income Tax; Central Collection Agency). Enter your own rate in the calculator.
School district income tax	Many Ohio school districts levy one on their residents, withheld at the district's own rate. It exists, and it is not part of this estimate.
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)

The Ohio percentage table, annualized (yearly wages after exemptions)

Over	But not over	Tax	Plus rate on the excess
$0	$26,050	$0	1.6%
$26,050	$100,000	$416.80	2.99%
$100,000	and over	$2,627.91	3.4%

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.

Ohio (Form IT-4 and local taxes) Exemptions you claim on Ohio Form IT-4

One for yourself, one for a spouse, and one for each dependent. Each exemption takes $650 off your yearly wages before the Ohio percentage table applies.

Municipal income tax rate (percent, optional)

Most Ohio cities, and many villages, levy their own income tax on wages, and each sets its own rate. Columbus and Cleveland both charge 2.5 percent. Enter the rate that applies to you; your pay stub shows it. If your school district levies a school district income tax, that tax exists too and is not part of this estimate.

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.

Ohio tax follows the Department of Taxation's percentage method in the tables effective August 1, 2026: wages are annualized, $650 per Form IT-4 exemption is subtracted, and the three-rate table above is applied. This estimate annualizes, as the federal module does, so it can differ from the Department's printed per-period tables by pennies of table rounding. Ohio updated the tables partway through 2026; withholding on paychecks issued before August used the earlier tables, whose first and third rates were slightly higher. The municipal line, when you enter a rate, applies that rate to your gross wages. Municipal withholding in practice runs through the city where you work, with a credit or a second tax where you live, and this estimate does not model that credit, so treat the municipal line as the size of the tax, not a settlement between two cities. The school district income tax that some Ohio residents pay is not computed here at all.

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

Ohio Department of Taxation: Employer Withholding Taxes, percentage method tables effective August 1, 2026, and the school district income tax withholding formula. The per-exemption amounts, the rates, and the bracket thresholds. Checked November 4, 2026.
City of Columbus, Division of Income Tax (columbus.gov): the Columbus municipal income tax rate of 2.5 percent. Checked November 4, 2026.
Central Collection Agency, Employer's Return of Income Tax Withheld: the Cleveland municipal income tax rate of 2.5 percent. 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.