North Carolina Paycheck Calculator

North Carolina taxes income at a flat 4.75% in 2024 — down from 4.99% in 2023.

🔒 No sign-up 💾 Runs in your browser 📅 NC tax rates updated 2026

NC• State Income Tax: Progressive

Gross Pay Amount ($)

Pay Period

Filing Status

401(k) Contribution (%)2.5%

Health Insurance ($ / period)

HSA Contribution ($ / period)

Other Pre-Tax Deductions ($ / period)

PAY PERIOD: biweeklyEST. PAY DATE: Jun 26, 2026

Estimated Take-Home Pay$2,769.87(~$72,016.69 / year)

Tax rates sourced from North Carolina Tax Authority and the IRS (2026)

Earning / Deduction	Rate / Amount
Gross Pay	$3,846.15
Federal Income Tax	- $491.46
State Income Tax (NC)	- $144.43
Social Security (6.2%)	- $238.46
Medicare (1.45%)	- $55.77
Pre-Tax Deductions	- $146.15
Net Take-Home Pay	$2,769.87

Withholding Breakdown

Take-Home (72%)Federal (13%)State & Local (4%)FICA (8%)Deductions (4%)

$99,999.90Annual Gross

$24,183.22Annual Taxes

$72,016.69Annual Net

North Carolina has been cutting its flat income tax rate annually. The rate is 4.75% in 2024, dropping to 4.6% in 2025, with a legislated path to 3.99% by 2026.

Estimates only. Actual withholding depends on your W-4 and employer setup. Consult a tax professional for exact figures.

Frequently Asked Questions

Yes — North Carolina's 2021 tax reform legislation set a schedule of annual rate cuts. The flat rate was 4.99% in 2023, 4.75% in 2024, 4.6% in 2025, and 4.5% in 2026.

Yes. North Carolina's 2024 standard deduction is $12,750 for single filers and $25,500 for married filing jointly — these are applied before the 4.75% rate.

No. North Carolina fully exempts Social Security benefits from state income tax. Military retirement pay and federal retirement pay are also exempt.

FICA (Federal Insurance Contributions Act) funds Social Security and Medicare. Employees pay 6.2% of wages toward Social Security (up to the $176,100 wage base in 2026) and 1.45% toward Medicare with no cap. These deductions apply in every state — they are federal, not state, taxes.

Gross pay is your salary or hourly wages before any deductions. Net pay (take-home pay) is what you actually receive after federal income tax, FICA, state income tax, and any voluntary deductions like health insurance or 401(k) contributions are withheld. This calculator shows both.

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