Skip to content
Math of Money

Oregon Paycheck Calculator

See your take-home pay in Oregon after federal withholding, Social Security, Medicare, and Oregon state income tax. Oregon taxes wages at rates from 4.75% to 9.9%.

By S M Ariful Islam ShawonLast updated

Paycheck inputs

Pay type
$
%
$
$
$
Take-home pay/2wk
$2,182
Biweekly · 26 paychecks/yr
Annual take-home
$56,723
Total taxes/2wk
$703
Effective tax rate
24.4%
Federal + FICA + state, ÷ gross

Where your paycheck goes

Annual gross pay by category
ComponentAmountShare
Take-home pay$56,72375.6%
Federal income tax$7,67010.2%
FICA (Social Security & Medicare)$5,7387.6%
State & local tax$4,8696.5%
Paycheck breakdown, per paycheck
Amount
Gross pay$2,885
Federal income tax$295.00
Social Security$178.85
Medicare$41.83
Oregon income tax$184.40
OR Statewide Transit Tax$2.88
Total taxes$702.96
Total deductions$0.00
Net pay (selected)$2,182

Save calculation

Saving calculations to a free account with Google sign-in is coming soon.

For now, copy the share link — it keeps every input, so you can bookmark it or reopen this exact calculation later.

How to use this calculator

  1. Choose salary or hourly, then enter your annual salary or your hourly rate and hours per week.
  2. Pick how often you're paid and your filing status. The state is already set to Oregon.
  3. Enter your 401(k) contribution and any pre-tax health, HSA, or after-tax deductions per paycheck.
  4. If you filled in Steps 2–4 of a 2020-or-later Form W-4, open the Form W-4 section and enter the same values.
  5. Review your take-home pay and switch the breakdown between annual, monthly, and per-paycheck amounts.

How it's calculated

Federal income tax withholding follows the IRS Publication 15-T percentage method for automated payroll systems with a 2020-or-later Form W-4. Your wages are annualized, reduced by pre-tax deductions, adjusted for your W-4 entries, and run through the 2026 withholding rate schedule for your filing status. If you check the Step 2 box, the schedule uses half the standard deduction and half-width brackets, as the IRS tables do.

Social Security tax is 6.2% of wages up to the 2026 wage base of $184,500. Medicare tax is 1.5% of all wages, and employers withhold an extra 0.90% Additional Medicare Tax on wages above $200,000.

Oregon taxes wages at rates from 4.75% to 9.9%, after a $2,745 standard deduction for single filers ($5,495 married filing jointly) and a $236 personal exemption credit ($472 married filing jointly). The calculator applies the 2026 Oregon brackets to your annual wages after the pre-tax deductions Oregon allows, then divides by your number of paychecks. Employees also pay OR Statewide Transit Tax (0.1% of all wages).

Per-paycheck amounts are the annual amounts divided by your number of pay periods, rounded to the cent. Take-home pay is gross pay minus every tax and deduction line.

Assumptions

  • Oregon does not recognize HSA contributions; they remain in Oregon taxable wages.
  • Standard deduction: $2,745 (single/MFS/HOH) and $5,495 (MFJ). Phases out above ~$125k single / $250k MFJ (not modeled).
  • Personal exemption credit of $236 (single) / $472 (MFJ) is subtracted from tax. Phases out at higher incomes (not modeled).
  • Statewide Transit Tax (STT) of 0.1% applies to all wages; no wage cap.
  • Bracket thresholds are 2024 estimates; Oregon adjusts them annually for inflation.
  • Assumes you work one job for the whole year at the same pay, with no bonuses, commissions, or overtime. Supplemental pay is often withheld at a flat rate that isn't modeled here.
  • Federal figures are withholding estimates, not your final tax bill. Your actual tax is settled when you file your return and can differ because of credits, other income, and itemized deductions.
  • 401(k) contributions above the 2026 limit of $24,500 are flagged but not capped, since you may be eligible for catch-up contributions.
  • Results are estimates for planning only. Check your pay stub or talk with your payroll department or a tax professional for exact figures.

Frequently asked questions

Does Oregon have a state income tax?

Yes. Oregon has a progressive income tax with rates from 4.75% to 9.9% for 2026. Higher rates apply only to the part of your taxable income in each bracket.

How much is taken out of a $60,000 paycheck in Oregon?

A single filer earning $60,000 a year, paid biweekly with no pre-tax deductions, takes home about $1,802 per paycheck. About $193 goes to federal income tax, $177 to Social Security and Medicare, and $136 to Oregon state taxes.

What are the 2026 Oregon income tax brackets?

For single filers, 4.75% applies to taxable income from $0 to $18,400; 6.75% applies to taxable income from $18,400 to $46,200; 8.75% applies to taxable income from $46,200 to $250,000; 9.9% applies to taxable income over $250,000. The full tables for every filing status are below the calculator.

What is OR Statewide Transit Tax and how much is withheld?

OR Statewide Transit Tax is an employee-paid state payroll contribution of 0.1% of wages with no wage cap. Employee-paid statewide transit tax; no wage cap. It's shown as its own line in the breakdown.

Does Oregon tax 401(k) contributions?

No. Like the IRS, Oregon excludes traditional 401(k) contributions from taxable wages, so contributing lowers both your federal and Oregon income tax.

How is take-home pay calculated?

Start with gross pay, subtract pre-tax deductions like a traditional 401(k) and health premiums, then subtract federal income tax withholding, Social Security, Medicare, and any state or local taxes. Finally, subtract after-tax deductions like Roth 401(k) contributions. What's left is your net, or take-home, pay.

How much is taken out for FICA in 2026?

Employees pay 6.2% for Social Security on wages up to $184,500 and 1.5% for Medicare on all wages — 7.6% in total for most workers. Once your wages from one employer pass $200,000, your employer also withholds 0.90% Additional Medicare Tax.

Why is my paycheck different from this estimate?

Common reasons include benefits not entered here (commuter, dependent care, life insurance), bonuses or overtime withheld at a supplemental rate, local taxes, mid-year raises, or reaching the Social Security wage base partway through the year. Your employer may also use a slightly different state withholding formula.

2026 Oregon income tax brackets

Single / Married filing separately / Head of household
RateTaxable income
4.75%$0 – $18,400
6.75%$18,400 – $46,200
8.75%$46,200 – $250,000
9.9%Over $250,000
Married filing jointly
RateTaxable income
4.75%$0 – $36,800
6.75%$36,800 – $92,400
8.75%$92,400 – $500,000
9.9%Over $500,000

Paycheck calculators for other states

Related calculators

Related guides

Key terms

Sources

Disclaimer: This calculator provides estimates for educational purposes only and is not financial, tax, or legal advice or an offer of credit. Actual payments depend on your lender, loan terms, taxes, and insurance. Consult a qualified professional before making financial decisions.