Idaho Paycheck Calculator
Estimate your Idaho take-home pay. Idaho moved to a flat 5.3% state income tax for TY2025+ (HB 40 signed by Gov. Brad Little), down from 5.695% the prior year. The first $4,811 single / $9,622 MFJ of Idaho taxable income is exempt (the zero-bracket). Idaho conforms to the federal standard deduction — $16,100 single / $32,200 MFJ for 2026 per HB 559 (OBBBA conformity, signed February 2026). No local income tax anywhere in Idaho — Boise, Meridian, Nampa, Idaho Falls, and Pocatello all collect zero income tax.
How to use this calculator
- Type your gross pay per paycheck — what you earn before any tax or deduction comes out.
- Pick your pay frequency (biweekly is the default — it's the most common).
- Set your federal filing status (Single or Married Filing Jointly).
- If you contribute to a traditional 401(k), enter the percentage. Add any pre-tax health or HSA deductions per paycheck.
- The result updates as you go. Use Share link to send your numbers to someone else without retyping them.
A real example: a $60,000 salary in Boise
Say you take a $60,000-a-year job in Boise, paid every two weeks, single, no 401(k). That's $2,307.69 gross per paycheck. The math goes like this for the year:
| Line | Amount |
|---|---|
| Gross pay | $60,000.00 |
| Federal income tax (after the $16,100 federal standard deduction) | −$5,020.00 |
| Social Security (6.2% up to $184,500) | −$3,720.00 |
| Medicare (1.45%) | −$870.00 |
| Idaho state tax (5.3% × ($60,000 − $16,100 federal SD − $4,811 zero-bracket)) | −$2,071.72 |
| Take-home for the year | $48,318.28 |
| Take-home per biweekly check | $1,858.40 |
About 20% of your gross goes to federal, FICA, and Idaho state tax combined. Idaho's effective state rate at $60k single is just 3.45% because the generous federal-conformant standard deduction ($16,100) shields a meaningful portion of income, and then another $4,811 falls under the zero-bracket before the 5.3% rate applies. No local income tax means the state rate IS your total income tax. Boise has seen a significant tech-driven migration from California, partly because Idaho's combined federal + state burden at $150k is roughly half of California's.
Now add a 5% traditional 401(k) and $200/month in pre-tax health premiums on a $120,000 salary, married, paid monthly: gross $10,000/mo, $500 to the 401(k), $200 to health. Idaho follows federal — both pre-tax items reduce ID taxable income. The MFJ federal SD is $32,200 and the MFJ zero-bracket is $9,622. State tax for the year runs about $3,548, and your monthly take-home lands around $7,517.
How a Idaho paycheck is calculated
Idaho uses a flat tax for 2026. The formula is:
A few Idaho-specific details worth knowing:
- 5.3% is the endpoint of HB 40. Idaho's House Bill 40 (signed by Gov. Brad Little) reduced the flat rate from 5.695% to 5.3% effective TY2025. This was Idaho's third consecutive rate cut since transitioning to a flat tax under HB 436 in 2022 (consolidated from 4 brackets with a top rate of 6.5%).
- OBBBA conformity raised the SD substantially. Gov. Little signed HB 559 in February 2026, conforming Idaho to the federal One Big Beautiful Bill Act for TY2025. This bumped the Idaho SD to the larger federal amounts ($16,100/$32,200 for 2026, up significantly from prior years). The Idaho State Tax Commission automatically applied the larger SD retroactively.
- Zero-bracket structure. The first $4,811 single / $9,622 MFJ of Idaho taxable income is taxed at 0% before the 5.3% rate kicks in. This is in addition to the federal SD — so a single filer at $60k starts with $43,900 (after SD), then subtracts $4,811 (zero-bracket), then applies 5.3% to $39,089.
- No personal exemption. Idaho conforms to the federal Internal Revenue Code, which eliminated personal exemptions under TCJA (2017). Dependents are addressed through the federal/state Child Tax Credit, not via per-person exemptions.
- No local income tax anywhere. Boise, Meridian, Nampa, Idaho Falls, Pocatello, Caldwell, Coeur d'Alene — none collect income tax. Idaho is one of about 35 states without any local wage tax.
- 401(k) and pre-tax both reduce ID tax. Idaho follows federal treatment for traditional 401(k) and Section 125 items.
- Social Security is fully exempt in Idaho. Other retirement income (pensions, 401(k), IRA distributions) is taxed at the flat 5.3% rate. Idaho also has a grocery tax credit (up to $120/person) that partially offsets the state's sales tax on groceries — a separate matter from income tax, but worth knowing.
What Idaho paychecks look like at common salaries (single, no 401k)
| Annual salary | Federal tax | FICA | ID tax (5.3%) | Net per year | Net per biweekly check |
|---|---|---|---|---|---|
| $40,000 | $2,620.00 | $3,060.00 | $1,011.72 | $33,308.28 | $1,281.09 |
| $50,000 | $3,820.00 | $3,825.00 | $1,541.72 | $40,813.28 | $1,569.74 |
| $60,000 | $5,020.00 | $4,590.00 | $2,071.72 | $48,318.28 | $1,858.40 |
| $75,000 | $7,670.00 | $5,737.50 | $2,866.72 | $58,725.78 | $2,258.68 |
| $100,000 | $13,170.00 | $7,650.00 | $4,191.72 | $74,988.28 | $2,884.16 |
| $150,000 | $24,734.00 | $11,475.00 | $6,841.72 | $106,949.28 | $4,113.43 |
Numbers above are estimates with the 2026 standard deduction, single filer, no 401(k) or pre-tax deductions. Your actual withholding will differ based on your W-4.
Tips to take home more
- Max out pre-tax benefits first. Health insurance, HSA, and FSA dollars reduce both your federal tax and FICA — that's a roughly 22–28% discount on those expenses for most people.
- A 401(k) is real money, not a deduction. A 5% contribution on $60k is $3,000 the IRS doesn't see right now. You're not losing it — you're moving it.
- Check your W-4 if your refund or bill is large. A big refund means you overpaid all year; a big bill means you underpaid. Either way, the IRS withholding estimator at irs.gov/W4App helps fix it.
- Track the Social Security cap. If you'll cross $184,500 this year, your last few checks will be noticeably bigger — useful to know if you're planning big purchases.
Frequently asked questions
What is Idaho's state income tax rate in 2026?
Idaho has a flat 5.3% state income tax for TY2026 (HB 40, signed by Gov. Brad Little). The first $4,811 of Idaho taxable income is exempt for single filers ($9,622 for married filing jointly) — a zero-bracket structure. The 5.3% rate applies to all income above the zero-bracket. This is down from 5.695% in TY2024.
How much of a $60,000 salary do you take home in Idaho?
A single filer earning $60,000 in Idaho with no pre-tax deductions takes home roughly $48,318 a year, or about $1,858 every two weeks. That's $5,020 federal, $4,590 FICA, and $2,072 Idaho state tax (5.3% on $39,089 after the $16,100 federal SD and $4,811 zero-bracket). No local income tax.
What is the Idaho standard deduction for 2026?
Idaho conforms to the federal standard deduction: $16,100 for single filers, $32,200 for married filing jointly (2026 amounts per IRS Rev. Proc. 2025-32). This was significantly raised by HB 559 (signed Feb 2026), which conformed Idaho to the federal One Big Beautiful Bill Act. The Idaho State Tax Commission automatically applies the larger SD.
Does Boise or Idaho Falls have a local income tax?
No. Idaho does NOT allow cities or counties to levy income taxes on wages. Boise, Meridian, Nampa, Idaho Falls, Pocatello, Caldwell, and Coeur d'Alene — every Idaho city collects zero income tax. The 5.3% state rate is your total income tax.
Why are Californians moving to Idaho?
Idaho's combined tax burden is dramatically lower than California's. At $150k single income, Idaho residents pay roughly $6,842 in state tax vs California's ~$9,762 — a $2,920/year savings. Combined with median home prices about 1/3 of San Francisco/San Jose, no state capital gains surtax, and lower cost of living, Idaho saw ~75,000 net Californians move in 2010-2020. Trade-offs: lower median wages, limited public transit, and a more conservative political environment.