Oregon Pay Calculator
Oregon takes a bigger bite from paychecks than most states, with a top income tax rate of 9.9% and no sales tax to balance it out, so knowing your real take-home pay matters more here than almost anywhere. This calculator estimates it per paycheck: enter your gross pay, pay frequency, filing status and allowances, and it breaks out federal tax, Oregon state tax, Social Security, Medicare and any extra withholding, down to your net pay and annual totals. It is an estimator with a 2026 graduated federal model and the DOR 2026 state formula, not a payroll system, and the article below says exactly what it leaves out.
Federal income tax:
OR state income tax:
Social Security:
Medicare:
Paid Leave Oregon:
Statewide transit tax:
Total deductions:
Net pay:
Estimated annual gross:
Estimated annual net:
Estimator, not payroll advice. Federal tax uses the 2026 graduated brackets (Rev. Proc. 2025-32); Oregon state tax uses the DOR 2026 formula with the $8,750 federal-subtraction cap; Social Security and Paid Leave Oregon cap at the 2026 wage base of $184,500. Paid Leave Oregon (0.6%), the statewide transit tax (0.1%), and the 0.9% additional Medicare tax appear as their own result rows. See the “What this calculator does not include” section below before relying on these figures.
Quick Answer
A single filer earning $1,200 a week in Oregon with one allowance takes home about $917.74 per paycheck: $102.08 federal tax, $79.98 Oregon state tax, $74.40 Social Security, $17.40 Medicare, $7.20 Paid Leave Oregon and $1.20 statewide transit tax, for $282.26 in total deductions. That is an estimated $47,722.68 a year after taxes on $62,400 of gross pay. Enter your own numbers above; the results box breaks every line out the same way.
Key takeaways
- Oregon’s state income tax is the main event: four progressive brackets from 4.75% to a 9.9% top rate, the steepest top bracket on the West Coast, and there is no sales tax to offset it.
- This is an estimator, not payroll software. Federal tax now uses the graduated 2026 brackets and standard deduction, and the state side follows the Oregon Department of Revenue 2026 withholding formula, so treat results as planning numbers.
- Allowances now work the Oregon way: each one is a $263 personal exemption credit against state tax (removed once annual wages pass $100,000 single or $200,000 married or head of household), not a deduction from taxable income.
- Still not in this tool: Portland-area TriMet and Lane County transit payroll taxes, and any pre-tax 401(k) or health insurance you pay. Paid Leave Oregon, the statewide transit tax and the additional Medicare tax are now included as their own lines.
How to use the Oregon pay calculator
Five inputs, one click, a full stub-style breakdown. The results stay hidden until you calculate.
- Enter gross pay per period: your pay before deductions, for one paycheck. $1,200 is pre-filled as the worked example ($30 an hour, 40 hours, paid weekly).
- Choose the pay period: weekly, bi-weekly, semi-monthly or monthly. The tool annualizes your gross to run the state brackets, then divides the state tax back down to one period.
- Pick filing status: single, married or head of household. Married gets the $5,820 state standard deduction; single uses $2,910 and head of household $4,685.
- Set allowances and extra withholding: allowances default to 1, which matches what many single filers claim; each one is a $263 credit against state tax (see the formula section). Extra withholding defaults to $0 and is added dollar for dollar when you set it.
- Read the breakdown: gross pay, each deduction as its own line (including Paid Leave Oregon and the statewide transit tax), total deductions, net pay large, plus estimated annual gross and net. The badge under the results states your effective Oregon state rate as a share of gross pay.
Gross pay of zero, a blank, or a negative number stops with “Please enter a valid gross pay amount”. Everything else computes, including edge cases the article discloses below.
The formulas behind the breakdown
The calculator runs a fixed sequence: annualize the pay, work out federal tax on the graduated 2026 brackets, run the Oregon Department of Revenue 2026 withholding formula, apply FICA and the Oregon payroll taxes, then subtract everything from gross. Every line is visible in the results, and this section is the same arithmetic in words.
Federal taxable income = annual gross − 2026 federal standard deduction ($16,100 single, $32,200 married, $24,150 head of household)
Federal tax = graduated 2026 bracket math on federal taxable income (10% to 37%), divided by pay periods
Federal tax subtraction (Oregon) = federal tax, capped at $8,750
Oregon taxable income = annual gross − federal tax subtraction − Oregon standard deduction ($2,910 single, $5,820 married, $4,685 head of household)
Oregon state tax = bracket math on Oregon taxable income, minus $263 per allowance (exemption credit, removed above $100,000 single or $200,000 married or head of household), divided by pay periods
Social Security = min(annual gross, $184,500) × 6.2%, divided by pay periods | Medicare = gross × 1.45%, plus 0.9% on annual wages above $200,000 single or $250,000 married (head of household $200,000)
Paid Leave Oregon = min(annual gross, $184,500) × 0.6%, divided by pay periods | Statewide transit tax = gross × 0.1%
Net pay = gross − (federal + state + Social Security + Medicare + additional Medicare + Paid Leave + transit + additional withholding)
The Oregon state brackets inside the tool, applied to Oregon taxable income after the federal tax subtraction and the standard deduction. The rates are the same for every status; only the thresholds double for married and head-of-household filers:
| Taxable income (single) | Taxable income (married / head of household) | Rate |
|---|---|---|
| $0 to $4,550 | $0 to $9,100 | 4.75% |
| $4,550 to $11,400 | $9,100 to $22,800 | 6.75% |
| $11,400 to $125,000 | $22,800 to $250,000 | 8.75% |
| Over $125,000 | Over $250,000 | 9.90% |
The 9.9% threshold ($125,000 single, $250,000 married or head of household) is not inflation-indexed, which is why it has stayed fixed while the lower thresholds moved. Two simplifications sit beside the table. First, the federal tax subtraction phases out for higher earners (single filers lose it entirely at $145,000 of wages, joint filers at $290,000); the tool caps it at $8,750 without modelling the phase-out, so high earners’ state tax reads slightly low. Second, the Social Security and Paid Leave caps are applied to annualised pay, which assumes even pay through the year; if your pay is uneven, the cap hits in a different check than the tool shows. If your pay includes a bonus, model that check separately with the bonus take-home pay calculator, since bonuses are withheld at a flat federal supplemental rate, not your normal bracket.
Worked example: $1,200 a week, single, one allowance
The calculator is pre-filled with this exact case. Running it gives gross $1200.00, federal $102.08, Oregon state $79.98, Social Security $74.40, Medicare $17.40, Paid Leave Oregon $7.20, statewide transit tax $1.20, total deductions $282.26, net $917.74, annual gross $62,400 and annual net $47,722.68. Here is the arithmetic, step by step:
- Annualize: $1,200 × 52 = $62,400.
- Federal tax: $62,400 − $16,100 (single standard deduction) = $46,300 taxable. 10% × $12,400 = $1,240, plus 12% × $33,900 = $4,068, for $5,308 a year, or $102.08 per weekly check.
- State taxable income: $62,400 − $5,308 (federal tax subtraction, under the $8,750 cap) − $2,910 (single standard deduction) = $54,182.
- State tax: 4.75% × $4,550 = $216.13, plus 6.75% × $6,850 = $462.38, plus 8.75% × $42,782 = $3,743.43, for $4,421.94 a year, minus the $263 exemption credit for one allowance = $4,158.94 a year, or $79.98 per weekly check.
- FICA and Oregon payroll taxes: Social Security $1,200 × 6.2% = $74.40 (well under the $184,500 annual cap); Medicare $1,200 × 1.45% = $17.40; Paid Leave Oregon $1,200 × 0.6% = $7.20; statewide transit tax $1,200 × 0.1% = $1.20.
- Net: $1,200 − ($102.08 + $79.98 + $74.40 + $17.40 + $7.20 + $1.20) = $1,200 − $282.26 = $917.74. Annualized: $917.74 × 52 = $47,722.68.
The effective Oregon state rate on this paycheck is 6.66% of gross, which is exactly what the results badge computes live for any input you enter. The federal line can no longer go negative: it is graduated bracket math on taxable income, and allowances now only set the state exemption credit.
What this calculator does not include
No simple paycheck tool covers every line on a real stub, and this one is more honest than most about its boundaries. The following come out of real Oregon paychecks but are not in this calculator:
- Paid Leave Oregon employer share: large employers (25 or more employees) also pay 0.4% of wages themselves; that employer cost never appears on an employee’s stub, so the tool models only the 0.6% employee share.
- Portland-area transit payroll taxes: TriMet and Lane County Transit District payroll taxes apply in the metro areas. Outside those districts they do not apply, which is why a one-size tool leaves them out. The 0.1% statewide transit tax is in the tool, on every check; a previously proposed rise to 0.2% is on hold pending a referendum vote, so 0.1% remains the 2026 rate.
- Pre-tax deductions: 401(k) contributions, health insurance premiums and HSA contributions reduce taxable pay before taxes are figured. Enter your gross after subtracting them if you want a closer estimate, or model hourly take-home with pre-tax pay using the hourly after taxes calculator as a cross-check.
- The federal tax subtraction phase-out: the subtraction phases out for higher earners (gone entirely at $145,000 single or $290,000 joint wages); the tool caps it at $8,750 without modelling the phase-out, so high earners’ state tax reads slightly low.
- Uneven pay through the year: the Social Security and Paid Leave caps are applied to annualised pay, so a bonus-heavy or seasonal pattern reaches the cap in a different check than the tool shows.
If you are an employer rather than an employee, the gross-up paycheck calculator works the reverse problem: starting from the net amount you want someone to receive and solving for the gross pay that gets there.
What competing calculators miss
Oregon paycheck tools split into camps, and each leaves a different gap:
- Clean estimators (USTaxCalc, WhatIsMyPay): current-year tables and tidy worked examples, with WhatIsMyPay adding 401(k) and health-insurance modeling. Gap: neither models withholding allowances, and neither tells you which simplifications it made.
- Methodology-first tools (MiniCalc): the most transparent of the bunch, with 2026 Oregon brackets, the $184,500 Social Security cap, Paid Leave Oregon’s 0.6% and effective-versus-marginal rate readouts. Gap: built for annual planning, not per-paycheck withholding elections.
- Withholding-exact tools (oregonpaycheckcalculator.cash): implements the Oregon Department of Revenue’s actual withholding formula, federal tax subtracted first, then the deduction, brackets and allowance credits. Gap: complexity, and a domain name that asks for trust without earning it.
- Payroll-provider calculators (Gusto, QuickBooks): the closest to real employer withholding, with OR-W-4 handling. Gap: they are lead-ins to paid payroll products, and they bury their assumptions.
- The gap this page fills: a per-paycheck estimator that models allowances as the $263-per-allowance state exemption credit, prices extra withholding dollar for dollar, states its 2026 graduated federal model and DOR 2026 state formula on the page instead of hiding them, and computes your effective Oregon state rate live in the results. Honest about being an estimator, which is more than the polished ones manage.
Frequently asked questions
An estimator that turns gross pay per paycheck into take-home pay by subtracting federal income tax, Oregon state income tax, Social Security and Medicare, plus any extra withholding you set. This one also annualizes the figures so you can compare per-paycheck and per-year.
Yes. Oregon has a progressive state income tax with four brackets from 4.75% up to a 9.9% top rate on income over $125,000. It is the trade-off for having no sales tax: Oregon taxes paychecks heavily and purchases not at all.
It is a planning estimator. The federal tax uses the 2026 graduated withholding brackets (Rev. Proc. 2025-32) and the Oregon state tax uses the DOR 2026 formula, including the $8,750 federal-subtraction cap and the $263-per-allowance exemption credit. The stated accuracy limit is the federal-subtraction phase-out, which the tool caps at $8,750 without modelling, so high earners’ state tax reads slightly low. Results land close for typical paychecks but will not match your stub to the cent. For exact withholding, use your employer’s payroll system.
Allowances no longer touch the federal line at all. Each allowance is a $263 personal exemption credit against Oregon state tax only, removed once annual wages pass $100,000 single or $200,000 married or head of household. More allowances mean less estimated state tax, up to that wage cap.
It has its own treatment: head of household gets its own Oregon standard deduction of $4,685, against $2,910 for single and $5,820 for married, with its own federal and state brackets. Head of household is a full filing status in this tool, not a copy of single.
Portland-area TriMet and Lane transit payroll taxes, pre-tax 401(k) and health insurance deductions, and the employer share of Paid Leave Oregon. Paid Leave Oregon’s 0.6% employee contribution, the 0.1% statewide transit tax, and the 0.9% additional Medicare tax are now included as their own result rows, so they are no longer on the not-included list. See the “What this calculator does not include” section for the dollar impact of each.
No. The federal line is graduated bracket math on taxable income and is clamped at $0.00: on a tiny paycheck (for example $100 a week, single, 10 allowances) the federal line reads $0.00, not a negative figure. Allowances no longer subtract from the federal line at all; they only set the state exemption credit.
The tool annualizes your gross pay first, applies the state brackets to the annual figure, then divides the state tax back down to one period. Federal tax, Social Security and Medicare are computed per paycheck directly. Same annual salary on different schedules gives the same annual totals but different per-check numbers.
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References
- Oregon Department of Revenue. Oregon Department of Revenue. Accessed October 23, 2026.
- TurboTax (Intuit). Oregon State Income Tax Guide: Rates, Brackets and Standard Deductions. Accessed October 23, 2026.
- LegalClarity. How Much Is Oregon Income Tax? Rates and Brackets. Accessed October 23, 2026.
- iCalculator. Oregon Tax Tables 2025: Tax Rates and Thresholds. Accessed October 23, 2026.
- Gusto. Oregon Salary Paycheck and Payroll Calculator. Accessed October 23, 2026.
- QuickBooks (Intuit). Free Oregon Paycheck Calculator. Accessed October 23, 2026.
- AARP. Oregon State Taxes: What You Will Owe in 2026. Accessed October 23, 2026.
- Valur. Oregon Income Tax Explained 2025. Accessed October 23, 2026.
- Kerkering, Barberio and Co., Certified Public Accountants. How the Social Security Wage Base Will Affect Your Payroll Taxes in 2026. Accessed October 23, 2026.
- Fine Explained. 2026 Social Security Wage Base and FICA: $184,500. Accessed October 23, 2026.
- Oregon Department of Revenue. Oregon Withholding Tax Formulas 2026 (2026 brackets, standard deductions, $8,750 federal tax subtraction cap and $263 personal exemption credit). Accessed October 24, 2026.
- Internal Revenue Service. Revenue Procedure 2025-32: 2026 federal brackets and standard deductions. Accessed October 24, 2026.
- Paid Leave Oregon. Paid Leave Oregon contributions: 1% total, 0.6% employee share, $184,500 wage base for 2026. Accessed October 24, 2026.