Virginia Paycheck Calculator
Calculate your real per-paycheck take-home in Virginia with state income tax (top 5.75%), federal tax, FICA, and pre-tax deductions.
Advanced: W-4 Adjustments
Withholds at the single-filer rate even if married. Increases federal withholding.
Dependent credit: $2,000 per qualifying child + $500 per other dependent. Step 4a-4c covers non-wage income, extra deductions, and additional per-paycheck withholding.
Virginia Income Tax (5.75%)
Virginia uses a graduated income tax with a top marginal rate of 5.75%. Only the income within each bracket is taxed at that rate, so your effective state withholding is lower than the top bracket. Pre-tax 401(k) and HSA contributions reduce your state taxable income.
| Rate | Income Range |
|---|---|
| 2.00% | $0 – $3,000 |
| 3.00% | $3,000 – $5,000 |
| 5.00% | $5,000 – $17,000 |
| 5.75% | $17,000+ |
Local Income Tax in Virginia
Virginia does not allow city or county income taxes, so your only income-based payroll deductions are federal tax, state tax (if applicable), and FICA. You can leave the Local Tax Rate field blank in the calculator.
HSA vs 401(k): The Hidden FICA Advantage in Virginia
On a $75,000/year salary in Virginia, contributing $200 per bi-weekly paycheck to an HSA saves approximately $398 more per year than contributing the same amount to a traditional 401(k). Why? Both reduce federal and state income tax, but HSA contributions also reduce FICA (Social Security + Medicare), while 401(k) contributions do not. This is one of the most overlooked tax-advantaged moves in personal finance.
Bi-weekly vs Semi-monthly Paychecks in Virginia
Two different ways to slice the same $75,000 annual salary in Virginia: bi-weekly (every two weeks = 26 paychecks/year) yields approximately $2,213 per paycheck, while semi-monthly (twice a month = 24 paychecks/year) yields approximately $2,397 per paycheck. Bi-weekly has slightly smaller individual paychecks but creates two months per year where you receive three paychecks instead of two — many people use those 'extra' paychecks for savings or annual expenses.
Living and Working in Virginia
The median household income in Virginia is $87,249, above the national median of $74,580. With a cost of living index of 104 (national average = 100), your dollar goes about the same here. A higher gross paycheck doesn't always mean more spending power.
How the Paycheck Calculator Works
Your paycheck starts with gross pay per pay period (weekly, bi-weekly, semi-monthly, or monthly), then a sequence of deductions and taxes determine your net take-home. Bi-weekly (26 paychecks/year) and semi-monthly (24 paychecks/year) are not the same — they produce different per-paycheck amounts even at the same annual salary.
Pre-tax deductions are not all equal. Traditional 401(k) contributions reduce your federal and state income tax base, but do not reduce FICA (Social Security + Medicare). HSA contributions and Section 125 health insurance premiums reduce all three — federal, state, and FICA. Roth 401(k) contributions reduce none of them — they're post-tax. This calculator applies each rule correctly, so a $200/paycheck HSA contribution will save you more than a $200/paycheck 401(k) contribution at the same gross.
Federal withholding follows the IRS Publication 15-T Percentage Method, simplified to use the 2026 brackets and standard deduction directly. W-4 Step 2 (multiple jobs / spouse works) shifts withholding to the single-filer rate, increasing per-paycheck federal tax. Step 3 (dependent credits) reduces it. Steps 4a-4c handle non-wage income, extra deductions, and additional per-paycheck withholding.
FICA is 6.2% Social Security up to the wage base ($184,500 in 2026) and 1.45% Medicare on all income. An additional 0.9% Medicare tax kicks in above $200k (single / HOH), $250k (married), or $125k (married filing separately). State tax is calculated from your state's brackets; local tax is a flat rate you enter (e.g. NYC ~3.876%, Philadelphia ~3.79%).