# How much is my Oregon paycheck?

Take-home pay per paycheck after federal withholding (Pub 15-T), Social Security, Medicare, and Oregon and local tax.

- Page: https://www.acalculator.org/finance/oregon-paycheck-calculator
- JSON spec: https://www.acalculator.org/finance/oregon-paycheck-calculator.json
- Version: 93c84ff427c5

## Default answer

Example with the default inputs (Paid by Salary, Yearly salary $60,000.00, Pay frequency Every two weeks, Filing status (W-4) Single or married separately, Children under 17 0, Other dependents 0, Two jobs (W-4 Step 2) No, Other income (Step 4a) $0.00, Deductions (Step 4b) $0.00, Extra withholding (Step 4c) $0.00, 401(k) or 403(b), % of pay 0%, Health premiums a paycheck $0.00, HSA or FSA a paycheck $0.00, Other local tax rate 0%, Pay date September 30, 2026) on the example date Wednesday, September 30, 2026: On $2,307.69 of gross pay per paycheck, your take-home pay is $1,769.07.

## Inputs

| Key | Label | Description |
| --- | --- | --- |
| pay | Paid by | Salary, or hourly rate and hours. |
| salary | Yearly salary | Yearly gross pay. |
| rate | Hourly rate | Pay for one regular hour. |
| hours | Hours a week | Regular hours each week. |
| ot | Overtime hours a week | Hours each week paid at 1.5 times the rate. |
| freq | Pay frequency | Paychecks a year: 52, 26, 24, or 12. |
| status | Filing status (W-4) | Form W-4 filing status. |
| kids | Children under 17 | W-4 Step 3: $2,200 each. |
| deps | Other dependents | W-4 Step 3: $500 each. |
| twoJobs | Two jobs (W-4 Step 2) | W-4 Step 2(c) box checked. |
| w4a | Other income (Step 4a) | W-4 Step 4(a). |
| w4b | Deductions (Step 4b) | W-4 Step 4(b). |
| w4c | Extra withholding (Step 4c) | W-4 Step 4(c). |
| k401 | 401(k) or 403(b), % of pay | Pre-tax retirement contribution. |
| health | Health premiums a paycheck | Pre-tax premiums (section 125). |
| hsa | HSA or FSA a paycheck | Pre-tax HSA or FSA contribution. |
| localRate | Other local tax rate | Other local tax. |
| date | Pay date | Its year picks the tax year. |

## Outputs

| Key | Label | Description |
| --- | --- | --- |
| net | Take-home pay | Net pay per paycheck. |
| gross | Gross pay | Pay before tax and deductions. |
| federal | Federal income tax | Pub 15-T withholding, with Step 4(c). |
| fica | Social Security and Medicare | Social Security plus Medicare. |
| socialSecurity | Social Security | 6.2% up to the wage base. |
| medicare | Medicare | 1.45%, plus 0.9% over $200,000. |
| stateLocal | State and local tax | State and local total. |
| stateTax | Oregon income tax | State income tax. |
| statePayroll | Oregon payroll contributions | State contributions. |
| localTax | Local income tax | Local income tax. |
| deductions | Pre-tax deductions | 401(k), health, HSA or FSA. |

## Method

Gross = salary (or rate × (hours + 1.5 × overtime) × 52) ÷ paychecks. Federal: Pub 15-T Worksheet 1A. Social Security and Medicare: the year’s ÷ paychecks. Oregon: the year’s tax and contributions ÷ paychecks.

## Assumptions

- An estimate, not tax advice. A 2020 or later Form W-4.
- Not modelled: Roth and after-tax deductions, garnishments, bonuses, tips, AMT, the premium tax credit, education credits.
- Oregon tax is the year’s tax spread evenly (not Oregon’s withholding formula). 2026 rates.
- Oregon: The head of household standard deduction is the 2025 amount. The federal tax subtraction phases out at higher incomes (not modelled), and the exemption credit ends above $100,000 AGI ($200,000 joint). The Workers’ Benefit Fund assessment (0.9 cents an hour from the employee) is not included.

## Worked examples

1. pay = salary, salary = $52,000.00, freq = biweekly, status = single, date = 2026-03-13 gives net = $1,547.69. Source: IRS Pub 15-T 2026; Oregon 2026 rates.
2. pay = salary, salary = $85,000.00, freq = semimonthly, status = mfj, kids = 2, k401 = 5%, health = $150.00, date = 2026-03-13 gives net = $2,722.98. Source: IRS Pub 15-T 2026; Oregon 2026 rates.
3. pay = hourly, rate = $25.00, hours = 40, ot = 5, freq = weekly, status = hoh, kids = 1, hsa = $20.00, w4c = $10.00, date = 2026-03-13 gives net = $955.75. Source: IRS Pub 15-T 2026; Oregon 2026 rates.

## FAQ

### Does Oregon have a state income tax?

Yes: a graduated income tax from 4.75% to 9.9% (2026 rates, single filer brackets). The calculator takes your taxable wages for the year, subtracts the Oregon standard deduction and exemptions, applies the brackets and credits, and spreads the tax over your paychecks. Oregon lets you deduct federal income tax (up to $8,750): the calculator uses the year’s federal income tax withholding as that amount (withholding per paycheck before W-4 Step 4(c), times the paychecks in a year).

### What payroll contributions come out of a Oregon paycheck?

The calculator takes Paid Leave Oregon at 0.6% of wages up to $184,500; OR transit tax at 0.1% of wages. The transit tax is on the wages subject to Oregon income tax (ORS 316.162), so 401(k) and cafeteria plan deductions are left out of it; other contributions use pay less cafeteria plan deductions.

### Do I pay local income tax in Oregon?

This calculator has no local income tax for Oregon. If your city, county, or school district charges one, type its rate under “Other local income tax rate”.

### What does this Oregon paycheck calculator leave out?

The head of household standard deduction is the 2025 amount. The federal tax subtraction phases out at higher incomes (not modelled), and the exemption credit ends above $100,000 AGI ($200,000 joint). The Workers’ Benefit Fund assessment (0.9 cents an hour from the employee) is not included. It uses the year’s Oregon tax spread over your paychecks, not Oregon’s own withholding formula, and treats 401(k), HSA, and cafeteria plan deductions as federal tax does. Federal items left out: the alternative minimum tax, the premium tax credit, and education and other credits.

### Which tax year and source does the Oregon calculator use?

Oregon 2026 rates, from the Oregon revenue department (listed under Sources), and the 2026 IRS withholding tables. When Oregon publishes new rates, the page is updated. A pay date before 2026 is refused, because the page has the 2026 tables only; a later date uses the 2026 tables until new ones are added.

### How is federal income tax withholding worked out?

By IRS Publication 15-T Worksheet 1A, the method payroll software uses. Your taxable pay is multiplied by the paychecks in a year, the Form W-4 Step 4(a) income is added, and $8,600 ($12,900 if married filing jointly) plus the Step 4(b) deductions are taken off, unless the Step 2 box is checked. The yearly amount is looked up in the 2026 percentage method table, divided by the paychecks, reduced by the Step 3 credit per paycheck, and the Step 4(c) extra amount is added.

### How much Social Security and Medicare comes out of each paycheck?

Social Security is 6.2% of wages until the year’s wages reach $184,500 (2026). Medicare is 1.45% of all wages, plus 0.9% on wages over $200,000 in the year. Health premiums and HSA or FSA contributions through a cafeteria plan are not taxed; 401(k) contributions are. The calculator spreads the year’s amounts evenly over your paychecks.

### Why might my real paycheck differ?

Employers round each step, some use the wage bracket tables instead of the percentage method, and the calculator spreads Social Security and state tax evenly over the year. Roth and after-tax deductions, wage garnishments, and bonuses are not included. This is an estimate, not tax advice.

## Sources

- Oregon: Oregon DOR, Withholding Tax Formulas 150-206-436 (rev. 12-31-25), https://www.oregon.gov/dor/forms/FormsPubs/withholding-tax-formulas_206-436_2026.pdf; Form OR-40 instructions 2025 (head of household standard deduction), https://www.oregon.gov/dor/forms/FormsPubs/form-or-40-inst_101-040-1_2025.pdf; Paid Leave Oregon (60% of 1% up to $184,500), https://paidleave.oregon.gov/employees/overview.html; Statewide Transit Tax (0.1% of wages as defined in ORS 316.162; Measure 120 did not pass), https://www.oregon.gov/dor/programs/businesses/pages/statewide-transit-tax.aspx; ORS 316.162(2)(L) (remuneration exempt from Oregon income tax is not wages), https://oregon.public.law/statutes/ors_316.162; Workers’ Benefit Fund 2026 (1.8 cents an hour, half from the employee), https://wcd.oregon.gov/laws/Documents/New_rules/070%20WBF%20-%20January%201,%202026/70-25054-rule-notice-and-rules.pdf
- IRS, Publication 15-T (2026), Federal Income Tax Withholding Methods: Worksheet 1A and the Annual Percentage Method tables. https://www.irs.gov/pub/irs-pdf/p15t.pdf
- IRS, Publication 15 (2026), (Circular E), Employer’s Tax Guide: Social Security 6.2% to $184,500, Medicare 1.45%, Additional Medicare 0.9% over $200,000. https://www.irs.gov/pub/irs-pdf/p15.pdf
- IRS, Form W-4 (2026), Employee’s Withholding Certificate: $2,200 per child under 17 and $500 per other dependent in Step 3. https://www.irs.gov/pub/irs-pdf/fw4.pdf