Use this calculator to estimate your net pay per pay period in Michigan, factoring in federal, state, and local taxes, as well as FICA deductions.
Weekly
Bi-Weekly
Semi-Monthly
Monthly
e.g., 401(k) contributions, health insurance premiums
e.g., Roth 401(k), union dues, garnishments
Federal Tax Information
Single
Married Filing Jointly
Each dependent may reduce your annual federal tax by $2,000 (qualifying child) or $500 (other dependent). This calculator assumes $2,000 per dependent for simplicity.
Michigan State & Local Tax Information
Includes yourself, spouse, and dependents. Each exemption is $5,400 for 2024.
No Local Tax / Not Listed
Detroit
Grand Rapids
Lansing
Flint
Saginaw
Pontiac
Hamtramck
Highland Park
Resident
Non-Resident
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.calc-input-group input[type="number"],
.calc-input-group select {
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border: 1px solid #ccc;
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width: 100%;
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.calc-input-group input[type="number"]:focus,
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width: 100%;
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background-color: #218838;
transform: translateY(-2px);
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margin-top: 30px;
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color: #333;
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color: #0f5132;
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function toggleResidentStatus() {
var cityOfResidence = document.getElementById('cityOfResidence').value;
var residentStatusGroup = document.getElementById('residentStatusGroup');
if (cityOfResidence !== 'none') {
residentStatusGroup.style.display = 'flex';
} else {
residentStatusGroup.style.display = 'none';
}
}
function calculatePaycheck() {
// Input values
var grossPayPerPeriod = parseFloat(document.getElementById('grossPay').value);
var payPeriodsPerYear = parseInt(document.getElementById('payFrequency').value);
var preTaxDeductionsPerPeriod = parseFloat(document.getElementById('preTaxDeductions').value);
var postTaxDeductionsPerPeriod = parseFloat(document.getElementById('postTaxDeductions').value);
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var federalDependents = parseInt(document.getElementById('federalDependents').value);
var michiganExemptions = parseInt(document.getElementById('michiganExemptions').value);
var cityOfResidence = document.getElementById('cityOfResidence').value;
var residentStatus = document.getElementById('residentStatus').value;
// Validate inputs
if (isNaN(grossPayPerPeriod) || grossPayPerPeriod < 0) {
alert('Please enter a valid Gross Pay per Pay Period.');
return;
}
if (isNaN(preTaxDeductionsPerPeriod) || preTaxDeductionsPerPeriod < 0) {
alert('Please enter valid Pre-Tax Deductions.');
return;
}
if (isNaN(postTaxDeductionsPerPeriod) || postTaxDeductionsPerPeriod < 0) {
alert('Please enter valid Post-Tax Deductions.');
return;
}
if (isNaN(federalDependents) || federalDependents < 0) {
alert('Please enter a valid number for Federal Dependents.');
return;
}
if (isNaN(michiganExemptions) || michiganExemptions < 0) {
alert('Please enter a valid number for Michigan Exemptions.');
return;
}
// Annualize amounts
var annualGrossPay = grossPayPerPeriod * payPeriodsPerYear;
var annualPreTaxDeductions = preTaxDeductionsPerPeriod * payPeriodsPerYear;
var annualPostTaxDeductions = postTaxDeductionsPerPeriod * payPeriodsPerYear;
// — FICA Taxes (Social Security & Medicare) —
var socialSecurityWageBase = 168600; // 2024 limit
var socialSecurityRate = 0.062;
var medicareRate = 0.0145;
var socialSecurityTaxable = Math.min(annualGrossPay, socialSecurityWageBase);
var socialSecurityTax = socialSecurityTaxable * socialSecurityRate;
var medicareTax = annualGrossPay * medicareRate; // No wage base limit for Medicare
var totalFicaTax = socialSecurityTax + medicareTax;
var ficaPerPeriod = totalFicaTax / payPeriodsPerYear;
// — Federal Income Tax —
var federalStandardDeduction;
var federalTaxBrackets;
if (federalFilingStatus === 'single') {
federalStandardDeduction = 14600; // 2024
federalTaxBrackets = [
{ limit: 11600, rate: 0.10 },
{ limit: 47150, rate: 0.12 },
{ limit: 100525, rate: 0.22 },
{ limit: 191950, rate: 0.24 },
{ limit: 243725, rate: 0.32 },
{ limit: 609350, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
];
} else { // Married Filing Jointly
federalStandardDeduction = 29200; // 2024
federalTaxBrackets = [
{ limit: 23200, rate: 0.10 },
{ limit: 94300, rate: 0.12 },
{ limit: 201050, rate: 0.22 },
{ limit: 383900, rate: 0.24 },
{ limit: 487450, rate: 0.32 },
{ limit: 731200, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
];
}
var annualFederalTaxableIncome = annualGrossPay – annualPreTaxDeductions – federalStandardDeduction;
annualFederalTaxableIncome = Math.max(0, annualFederalTaxableIncome); // Cannot be negative
var annualFederalTax = 0;
var previousBracketLimit = 0;
for (var i = 0; i previousBracketLimit) {
var taxableInBracket = Math.min(annualFederalTaxableIncome, bracket.limit) – previousBracketLimit;
annualFederalTax += taxableInBracket * bracket.rate;
}
previousBracketLimit = bracket.limit;
if (annualFederalTaxableIncome <= bracket.limit) {
break;
}
}
// Apply federal dependent tax credit (simplified: $2000 per dependent)
var federalDependentCredit = federalDependents * 2000;
annualFederalTax = Math.max(0, annualFederalTax – federalDependentCredit);
var federalTaxPerPeriod = annualFederalTax / payPeriodsPerYear;
// — Michigan State Income Tax —
var michiganTaxRate = 0.0425; // 4.25% for 2024
var michiganExemptionAmount = 5400; // 2024 per exemption
var michiganTaxableIncome = annualGrossPay – annualPreTaxDeductions – (michiganExemptions * michiganExemptionAmount);
michiganTaxableIncome = Math.max(0, michiganTaxableIncome);
var annualMichiganTax = michiganTaxableIncome * michiganTaxRate;
var michiganTaxPerPeriod = annualMichiganTax / payPeriodsPerYear;
// — Michigan Local Income Tax —
var localTaxRate = 0;
if (cityOfResidence !== 'none') {
if (residentStatus === 'resident') {
switch (cityOfResidence) {
case 'detroit': localTaxRate = 0.024; break;
case 'grand_rapids': localTaxRate = 0.015; break;
case 'lansing': localTaxRate = 0.010; break;
case 'flint': localTaxRate = 0.010; break;
case 'saginaw': localTaxRate = 0.015; break;
case 'pontiac': localTaxRate = 0.010; break;
case 'hamtramck': localTaxRate = 0.010; break;
case 'highland_park': localTaxRate = 0.010; break;
}
} else { // Non-resident
switch (cityOfResidence) {
case 'detroit': localTaxRate = 0.012; break;
case 'grand_rapids': localTaxRate = 0.0075; break;
case 'lansing': localTaxRate = 0.005; break;
case 'flint': localTaxRate = 0.005; break;
case 'saginaw': localTaxRate = 0.0075; break;
case 'pontiac': localTaxRate = 0.005; break;
case 'hamtramck': localTaxRate = 0.005; break;
case 'highland_park': localTaxRate = 0.005; break;
}
}
}
var annualLocalTax = annualGrossPay * localTaxRate;
var localTaxPerPeriod = annualLocalTax / payPeriodsPerYear;
// — Total Deductions and Net Pay —
var totalDeductionsPerPeriod = ficaPerPeriod + federalTaxPerPeriod + michiganTaxPerPeriod + localTaxPerPeriod + preTaxDeductionsPerPeriod + postTaxDeductionsPerPeriod;
var netPayPerPeriod = grossPayPerPeriod – totalDeductionsPerPeriod;
// Display results
var resultsDiv = document.getElementById('results');
resultsDiv.innerHTML = '
Navigating your paycheck can sometimes feel like deciphering a complex code. In Michigan, your take-home pay is influenced by a combination of federal, state, and potentially local taxes, alongside other deductions. This guide breaks down the key components of your Michigan paycheck.
Gross Pay vs. Net Pay
Your Gross Pay is the total amount of money you earn before any deductions are taken out. This is the figure your employer typically quotes as your salary or hourly wage. Net Pay, often referred to as "take-home pay," is the amount you actually receive after all taxes and deductions have been subtracted from your gross pay.
Federal Deductions
Regardless of where you live in the U.S., certain federal taxes are withheld from your paycheck:
Federal Income Tax: This is a progressive tax, meaning higher earners pay a larger percentage. The amount withheld depends on your gross income, filing status (Single, Married Filing Jointly, etc.), and the number of dependents you claim on your W-4 form. The IRS provides guidelines for employers to calculate this withholding.
FICA Taxes (Social Security and Medicare): These are mandatory contributions to federal programs.
Social Security: Funds retirement, disability, and survivor benefits. For 2024, the tax rate is 6.2% on earnings up to $168,600.
Medicare: Funds health insurance for seniors and people with disabilities. For 2024, the tax rate is 1.45% on all earnings, with no wage base limit. An additional 0.9% Medicare tax applies to earnings over certain thresholds ($200,000 for single filers, $250,000 for married filing jointly), though this calculator simplifies by not including the additional tax.
Michigan State Income Tax
Michigan stands out with a flat income tax rate. For 2024, the state income tax rate is 4.25%. However, you are allowed to claim exemptions, which reduce your taxable income. For 2024, each exemption claimed (for yourself, your spouse, and any dependents) is valued at $5,400. This means that for every exemption, $5,400 is subtracted from your annual income before the 4.25% tax is applied.
Michigan Local Income Taxes
One unique aspect of Michigan's tax landscape is the presence of local income taxes in several cities. If you live or work in one of these cities, you may have an additional tax deduction. Notable cities with local income taxes include Detroit, Grand Rapids, Lansing, Flint, Saginaw, Pontiac, Hamtramck, and Highland Park. The rates vary depending on whether you are a resident or non-resident of the city.
Resident Rates: Typically higher, applying to those who live within the city limits.
Non-Resident Rates: Usually half the resident rate, applying to those who work in the city but live elsewhere.
Our calculator includes options for these major cities to help you estimate your local tax burden.
Other Deductions
Beyond mandatory taxes, your paycheck may include other deductions:
Pre-Tax Deductions: These are taken out of your gross pay before taxes are calculated, effectively reducing your taxable income. Common examples include contributions to a 401(k) or 403(b) retirement plan, health insurance premiums, and Flexible Spending Account (FSA) contributions.
Post-Tax Deductions: These are taken out after taxes have been calculated. Examples include Roth 401(k) contributions, union dues, garnishments, or certain types of life insurance premiums.
How the Calculator Works
Our Michigan Paycheck Calculator takes your gross pay, pay frequency, and various deduction amounts to provide an estimated net pay. It annualizes your income to accurately apply federal and state tax brackets and exemptions, then divides the total annual deductions back into your chosen pay period. This provides a clear breakdown of where your money goes.
Disclaimer
This calculator provides estimates for informational purposes only. Actual withholdings may vary based on specific tax situations, additional deductions, and changes in tax laws. Consult with a qualified financial advisor or tax professional for personalized advice.