North Dakota Paycheck Calculator: Your Take-Home Pay
North Dakota ranks among the lowest-tax states in the country, with a top income tax rate of just 2.50% and a generous 0% bracket that covers the first $48,475 of taxable income for single filers. This North Dakota paycheck calculator estimates your take-home pay after federal income tax, North Dakota state tax, Social Security, and Medicare deductions based on 2026 rates.
This calculator provides general estimates for educational purposes and does not constitute tax or financial advice. Tax situations vary based on individual circumstances, deductions, and credits. For guidance specific to your situation, consult a licensed tax professional or CPA.
Quick version: A single filer earning $75,000 in North Dakota keeps roughly $61,389 per year after all taxes. North Dakota’s three-bracket progressive system (0%, 1.95%, 2.50%) means most earners pay little or no state income tax. Federal taxes follow seven brackets from 10% to 37% for 2026, and FICA deductions include Social Security at 6.2% on wages up to $184,500 plus Medicare at 1.45% on all earnings. Enter your gross pay, filing status, and any pre-tax deductions below to get your personalized estimate.
Paycheck Calculator
See your take-home pay after federal taxes, state taxes, FICA, and deductions. Select your state below. Adjust any value and results update in real time.
How to use this North Dakota paycheck calculator
Select whether you receive a salary or hourly wages, then enter your gross pay amount. Choose your pay frequency from the dropdown, which determines how your annual taxes are divided across paychecks. Bi-weekly means 26 pay periods per year, while semi-monthly means 24. The calculator defaults to North Dakota for state taxes, and you can select your federal filing status from your W-4 form (single, married filing jointly, married filing separately, or head of household).
If you contribute to pre-tax accounts like a 401(k), health savings account (HSA), or flexible spending account (FSA), enter those amounts in the deductions field. The tool then subtracts federal income tax, North Dakota state tax, Social Security, and Medicare to show your estimated net pay per paycheck and per year.
North Dakota income tax brackets (2025 tax year)
North Dakota uses a three-bracket progressive income tax system, which means your rate increases only on income above each threshold rather than on your entire earnings. The state’s top rate of 2.50% ties with Arizona for the lowest among all states that levy an income tax. North Dakota conforms to the federal standard deduction, so single filers deduct $16,100 and married-filing-jointly couples deduct $32,200 from gross income before applying state rates.
The starting point for computing North Dakota taxable income perpetually conforms to the computation of federal taxable income, according to the 2025 ND income tax booklet. There are no local city or county income taxes anywhere in the state, which simplifies paycheck calculations compared to states like Ohio or New York.
Single filer brackets:
| Taxable income | Rate |
|---|---|
| Up to $48,475 | 0% |
| $48,475 to $244,825 | 1.95% |
| Over $244,825 | 2.50% |
Married filing jointly:
| Taxable income | Rate |
|---|---|
| Up to $80,975 | 0% |
| $80,975 to $298,075 | 1.95% |
| Over $298,075 | 2.50% |
Head of household:
| Taxable income | Rate |
|---|---|
| Up to $64,950 | 0% |
| $64,950 to $271,450 | 1.95% |
| Over $271,450 | 2.50% |
The brackets above apply to your annual tax return (2025 tax year, filed in 2026). For paycheck withholding purposes, employers use slightly different thresholds from the 2026 North Dakota withholding booklet. For example, the single annual withholding threshold starts at $57,625 rather than $48,475, because withholding tables pre-calculate the standard deduction into the bracket cutoffs. Your final tax liability at filing time uses the brackets shown above.
Source: North Dakota Office of State Tax Commissioner
Federal income tax brackets for 2026
Your paycheck also reflects federal income tax, which applies the same progressive structure across all states. The Internal Revenue Service (IRS) published the 2026 brackets in Revenue Procedure 2025-32, reflecting inflation adjustments under the One Big Beautiful Bill Act (OBBBA). The 2026 standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. These amounts reduce your adjusted gross income before bracket rates apply, which is why your effective tax rate is lower than your top marginal rate.
Single filer federal brackets (2026):
| Taxable income | Rate |
|---|---|
| Up to $12,400 | 10% |
| $12,400 to $50,400 | 12% |
| $50,400 to $105,700 | 22% |
| $105,700 to $201,775 | 24% |
| $201,775 to $256,225 | 32% |
| $256,225 to $640,600 | 35% |
| Over $640,600 | 37% |
FICA taxes: Social Security and Medicare in 2026
Every paycheck in the United States, including North Dakota, is subject to Federal Insurance Contributions Act (FICA) taxes regardless of filing status or income level. For 2026, the Social Security tax rate is 6.2% on wages up to the wage base of $184,500, making the maximum annual employee contribution $11,439. The Medicare tax rate is 1.45% on all wages with no cap, and an Additional Medicare Tax of 0.9% applies to earnings above $200,000 for single filers ($250,000 for married filing jointly, $125,000 for married filing separately).
Your employer pays a matching amount for both Social Security and Medicare, but that does not come out of your paycheck. What you see deducted is only the employee share: 6.2% plus 1.45%, totaling 7.65% on most wages. If you earn above the $184,500 Social Security wage base, only the Medicare portion continues to apply to wages above that threshold.
Source: IRS Topic 751
North Dakota paycheck examples
Here is how the numbers break down for two common salary levels. Both examples assume a single filer taking the standard deduction with no pre-tax contributions, paid bi-weekly (26 paychecks per year). Your actual results will vary based on filing status, deductions, and credits.
Example 1: $75,000 annual salary
- Gross pay: $75,000
- Federal taxable income: $75,000 minus $16,100 standard deduction = $58,900
- Federal income tax: ($12,400 x 10%) + ($38,000 x 12%) + ($8,500 x 22%) = $1,240 + $4,560 + $1,870 = $7,670
- ND taxable income: $58,900 (North Dakota uses federal taxable income as its starting point)
- ND state tax: ($58,900 minus $48,475) x 1.95% = $10,425 x 1.95% = $203
- Social Security: $75,000 x 6.2% = $4,650
- Medicare: $75,000 x 1.45% = $1,088
- Total deductions: $13,611
- Annual net pay: approximately $61,389
- Per paycheck: roughly $2,361
- Effective total tax rate: $13,611 / $75,000 = 18.1%
Example 2: $60,000 annual salary
- Gross pay: $60,000
- Federal taxable income: $60,000 minus $16,100 = $43,900
- Federal income tax: ($12,400 x 10%) + ($31,500 x 12%) = $1,240 + $3,780 = $5,020
- ND taxable income: $43,900, which falls entirely in the 0% state bracket (below $48,475)
- ND state tax: $0
- Social Security: $60,000 x 6.2% = $3,720
- Medicare: $60,000 x 1.45% = $870
- Total deductions: $9,610
- Annual net pay: approximately $50,390
- Per paycheck: roughly $1,938
At $60,000, your entire North Dakota taxable income stays below the $48,475 threshold, so you owe zero state income tax. Your actual paycheck withholding may differ slightly because employers use the 2026 withholding tables, which can produce small differences from your annual tax liability.
North Dakota vs. neighboring states
If you are weighing a cross-border move or work near state lines, here is how a $75,000 salary compares across the region for a single filer with no pre-tax deductions.
| State | Approx. net pay | Approx. state tax |
|---|---|---|
| South Dakota | ~$61,592 | $0 (no income tax) |
| North Dakota | ~$61,389 | ~$203 |
| Montana | ~$59,502 | ~$1,890 |
| Minnesota | ~$59,122 | ~$2,270 |
North Dakota also has reciprocity agreements with Minnesota and Montana, meaning residents of those states who work in North Dakota can file Form NDW-R to be exempt from ND state income tax withholding. This avoids double-filing and simplifies your tax situation if you commute across state lines.
Compare your results using the Minnesota paycheck calculator, the Montana paycheck calculator, or the South Dakota paycheck calculator if you are considering a cross-border move.
Frequently asked questions
What is the payroll tax rate in North Dakota?
North Dakota’s state income tax uses three brackets: 0% on taxable income up to $48,475 (single), 1.95% up to $244,825, and 2.50% above that. On top of state tax, every paycheck includes federal income tax plus FICA (6.2% Social Security and 1.45% Medicare). Your W-2 at year-end reflects all of these withholdings.
Is North Dakota income tax progressive or flat?
North Dakota uses a progressive system with three brackets. You only pay the higher rate on income above each threshold, not on your entire earnings. Most filers earning under $48,475 in taxable income (after the standard deduction) pay 0% state tax.
How much is $20 an hour after taxes in North Dakota?
At $20 per hour working 2,080 hours annually, your gross pay is $41,600. After the $16,100 standard deduction, your taxable income of $25,500 falls in the 0% ND bracket, so you owe no state tax. Federal tax is roughly $2,812, Social Security is $2,579, and Medicare is $603. Your estimated annual take-home is approximately $35,606, or about $1,369 per bi-weekly paycheck.
Are there local city taxes in North Dakota?
No. North Dakota has no local city or county income taxes. Your paycheck deductions include only federal income tax, North Dakota state income tax, and FICA. This is one advantage over states like Ohio, where many cities levy their own income tax.
What is ND’s reciprocity with Minnesota and Montana?
If you live in Minnesota or Montana but work in North Dakota, you can file Form NDW-R with your employer to be exempt from ND state withholding. You then pay income tax only to your home state. This reciprocity agreement prevents double taxation for cross-border commuters.
How does a 401(k) contribution affect my ND paycheck?
Contributing to a traditional 401(k) reduces your taxable income for both federal and North Dakota state tax. For example, a 6% contribution on a $75,000 salary ($4,500 per year) lowers your federal tax by roughly $540 and your ND state tax by approximately $88, based on the applicable marginal rates. Your Social Security and Medicare taxes are unaffected because FICA applies to gross wages before 401(k) deductions.
What is the minimum wage in North Dakota?
North Dakota’s minimum wage remains $7.25 per hour in 2026, matching the federal minimum. Tipped employees can be paid a direct cash wage of $4.86 per hour, provided their tips bring total compensation up to at least $7.25. For salary data by profession, see the salary calculator tool.
Does this calculator cover all taxes?
This North Dakota paycheck calculator estimates federal income tax, ND state income tax, Social Security, and Medicare. It does not account for individual tax credits (such as the Earned Income Tax Credit), itemized deductions, or employer-specific benefits like health insurance premiums. For a complete picture, consult a tax professional.
Does the calculator handle overtime pay?
The calculator uses your standard hourly rate or salary. North Dakota follows federal FLSA rules, which require time-and-a-half pay for hours worked beyond 40 per week. To estimate overtime take-home pay, calculate your overtime gross separately and add it to your regular pay before entering the total.
Enter your salary above to see your personalized North Dakota take-home estimate, or use the Paycheck Calculator hub to compare results across all 50 states.
This calculator provides estimates for informational purposes only. Actual amounts may vary based on additional deductions, local taxes, and employer-specific withholdings. Consult your HR department or a licensed tax professional for exact figures.