Finance calculators

Virginia Paycheck Calculator

Updated Jul 17, 2026 By Jehan Wadia
Rate Formulas
Employee Setup
Employer view adds SUTA, FUTA and employer FICA costs.
$
Federal Withholding (W-4)
Check to increase withholding for two-income households.
$
$2,000/child under 17, $500/other dependent.
$
$
$
Virginia State Withholding (VA-4)
$930 personal exemption each.
$800 each (age 65+/blind).
$
Virginia has no local income taxes. Your local income tax will always be $0.
Pre-Tax Deductions
Check which taxes each deduction is exempt from (reduces that taxable base).
Total Pre-Tax Deductions (per period)$0.00
Post-Tax Deductions
Total Post-Tax Deductions (per period)$0.00
Tax Exemptions
Your estimated bi-weekly take-home pay
$0.00
Annualized take-home: $0.00
Effective Tax Rate
0%
Total Taxes / Period
$0.00
Paycheck Breakdown
Item% of GrossAmount
Where Is Your Money Going?
Step-by-Step Solution

Introduction

This Virginia paycheck calculator helps you figure out how much money you take home after taxes and deductions. Whether you earn a salary or get paid by the hour, this tool breaks down your pay so you can see exactly where your money goes each pay period.

Virginia has a state income tax with rates from 2% to 5.75%, but it does not charge any local income taxes. On top of state taxes, your paycheck also shrinks due to federal income tax, Social Security, and Medicare. Pre-tax deductions like health insurance and 401(k) contributions lower your taxable income, which means you pay less in taxes overall.

Use this calculator to enter your gross pay, filing status, W-4 details, and any deductions. It will show you your estimated take-home pay, a full breakdown of every tax and deduction, and a step-by-step explanation of how each number is calculated. You can also switch between employee and employer views to see the full cost of employment, including SUTA and FUTA taxes.

How to Use Our Virginia Paycheck Calculator

Enter your wage, tax filing details, and any deductions below. The calculator will show your estimated take-home pay, total taxes, and a full paycheck breakdown for each pay period or the full year.

Calculation View: Pick "Employee" to see your take-home pay. Pick "Employer" to also see employer-side taxes like SUTA and FUTA.

Pay Type: Choose "Salary" if you earn a fixed amount. Choose "Hourly" if you are paid by the hour. If you need to convert between the two, try our hourly to salary calculator or salary to hourly calculator.

Gross Pay Amount: If salaried, type your gross pay. Then select whether that number is your annual salary or your pay for one pay period.

Hourly Wage: If hourly, enter your pay rate per hour. You can use our hourly rate calculator if you need to determine your rate from a different pay structure.

Hours Per Pay Period: Enter how many regular hours you work each pay period. For example, 80 hours for a bi-weekly schedule. A work hours calculator can help you track your total hours.

Include Overtime: Check this box if you earn overtime. Then enter your overtime hourly rate and overtime hours per pay period. For a deeper look at overtime earnings, see our overtime calculator.

Tipped Employee: Check this box if you receive tips. Then enter the total tips you get each pay period. The calculator will warn you if your combined pay falls below Virginia's $12.41 minimum wage.

Check Date: Enter the date of your paycheck. This tells the calculator which tax year's rates to use.

Pay Frequency: Select how often you get paid, such as weekly, bi-weekly, or monthly. If you are paid every two weeks, our biweekly paycheck calculator offers another way to estimate your pay.

W-4 Form Version: Choose "2020+ W-4" if you filled out a newer W-4. Choose "Pre-2020" if you still use the older form with allowances. Our IRS withholding calculator can help you check whether your W-4 is set up correctly.

Federal Filing Status: On the 2020+ W-4, select Single, Married Filing Jointly, or Head of Household. This must match your W-4.

Step 2 – Multiple Jobs: Check this box if you or your spouse hold more than one job. It increases your federal withholding.

Step 3 – Dependents Amount: Enter the total from Step 3 on your W-4. This is $2,000 for each child under 17 and $500 for each other dependent.

Step 4a – Other Income: Enter any other income not from jobs, such as interest or dividends, listed on your W-4.

Step 4b – Deductions: Enter extra deductions beyond the standard deduction from your W-4, if any.

Step 4c – Extra Withholding: Enter any extra dollar amount you want withheld from each paycheck for federal taxes.

Pre-2020 Marital Status: If using the older W-4, select Single or Married.

Federal Allowances: Enter the number of allowances from your old W-4. More allowances means less tax is withheld.

Additional Federal Withholding: Enter any extra flat amount you want taken out each pay period for federal taxes on the old W-4.

VA Filing Status: Select your Virginia filing status — Single, Married, or Head of Household — from your VA-4 form.

State Allowances: Enter the number of personal exemptions from your VA-4. Each one reduces your taxable income by $930.

Additional Allowances: Enter extra Virginia allowances for age 65 or older or blindness. Each one reduces taxable income by $800.

Elected Additional Rate (ATR): If you elected an additional withholding rate on your VA-4, select it here. Most people leave this at 0%.

Additional State Withholding: Enter any extra flat dollar amount you want withheld each pay period for Virginia state taxes.

SUTA Rate: In employer view, enter your Virginia unemployment tax rate. New employers default to 2.6%. Use our payroll tax calculator for a broader look at employer tax obligations.

FUTA Rate: In employer view, enter your net federal unemployment tax rate. The standard rate after credits is 0.6%.

Pre-Tax Deductions: Enter amounts for benefits like medical insurance, dental, vision, 401(k), FSA, or HSA. Choose a flat dollar amount or a percent of gross pay. Check which taxes each deduction is exempt from.

Post-Tax Deductions: Click "Add Post-Tax Deduction" to add items like Roth 401(k) contributions, garnishments, or union dues. These come out after taxes are calculated.

Tax Exemptions: Select "Yes" if you are exempt from any specific taxes, then check each tax that does not apply to you.

Calculate / Reset: Press "Calculate" to see your results. Press "Reset" to clear all fields back to their default values.

How the Virginia Paycheck Calculator Works

This Virginia paycheck calculator shows you how much money you take home after taxes and deductions are removed from your gross pay. It works for both salaried and hourly workers in Virginia. Just enter your pay, filing status, and any deductions to see your estimated net pay per paycheck.

Taxes That Come Out of Your Virginia Paycheck

Every paycheck in Virginia has federal and state taxes taken out. Federal income tax is based on your W-4 form, your filing status, and how much you earn. The IRS uses tax brackets, which means different parts of your income are taxed at different rates ranging from 10% to 37%.

Virginia state income tax also uses brackets. The rates are 2%, 3%, 5%, and 5.75%. Your taxable income goes down based on the standard deduction and any personal exemptions you claim on your VA-4 form. Each personal exemption is worth $930, and each additional exemption for age 65 or older or blindness is worth $800. Virginia does not have any local income taxes.

FICA taxes pay for Social Security and Medicare. Social Security tax is 6.2% of your wages up to $176,100 in 2025. Medicare tax is 1.45% on all wages. If you earn more than $200,000, you also pay an extra 0.9% Medicare tax on the amount above that threshold. You can check your effective tax rate to see how much of your total income goes to taxes.

Pre-Tax and Post-Tax Deductions

Pre-tax deductions like health insurance, 401(k) contributions, and HSA contributions are taken out before taxes are calculated. This lowers your taxable income, so you pay less in taxes. Post-tax deductions are taken out after taxes. They do not reduce the taxes you owe.

Virginia Minimum Wage and Tipped Employees

The minimum wage in Virginia is $12.41 per hour. Tipped workers can be paid a base cash wage of $2.13 per hour, but their tips must bring their total pay up to at least $12.41 per hour. If tips fall short, the employer must make up the difference. You can use our wage calculator to explore different pay scenarios.

Employer Payroll Costs in Virginia

Employers in Virginia pay their own share of payroll taxes. They match the 6.2% Social Security tax and the 1.45% Medicare tax. They also pay Virginia State Unemployment Tax (SUTA) on the first $8,000 of each worker's wages. The SUTA rate ranges from 0.1% to 6.2%, with new employers starting at 2.6%. Federal Unemployment Tax (FUTA) applies to the first $7,000 in wages at an effective rate of 0.6% after the state tax credit. For paycheck calculations in other states, see our paycheck calculator, or try state-specific tools like the California paycheck calculator, Texas paycheck calculator, or Florida paycheck calculator.

Formulas used

Federal Adjusted Annual Wage (2020+ W-4)
W_{\text{adj}} = W_{\text{fed}} \times n + \text{Step 4a} - \text{Step 4b} - \text{Std. Offset}
Federal Income Tax per Period
T_{\text{fed}} = \frac{\max\!\left(T_{\text{base}} + r \times (W_{\text{adj}} - B_{\text{start}}) - \text{Step 3},\; 0\right)}{n} + \text{Step 4c}
Virginia Taxable Income
W_{\text{VA}} = W_{\text{state}} \times n - D_{\text{std}} - A \times 930 - A_{\text{addl}} \times 800
Social Security Tax per Period
T_{\text{SS}} = \frac{0.062 \times \min(W_{\text{FICA}} \times n,\; \text{Wage Base})}{n}
Medicare Tax per Period
T_{\text{Med}} = \frac{0.0145 \times W_{\text{FICA}} \times n}{n} + \frac{0.009 \times \max(0,\; W_{\text{FICA}} \times n - \text{Threshold})}{n}
Take-Home Pay
\text{Net} = \text{Gross} - \text{Pre-Tax Ded.} - (T_{\text{fed}} + T_{\text{VA}} + T_{\text{SS}} + T_{\text{Med}}) - \text{Post-Tax Ded.}
Effective Tax Rate
r_{\text{eff}} = \frac{T_{\text{fed}} + T_{\text{VA}} + T_{\text{SS}} + T_{\text{Med}}}{\text{Gross}} \times 100\%

Frequently asked questions

Does Virginia have a local income tax?

No. Virginia does not charge any local income taxes. The local income tax line on your paycheck breakdown will always be $0.

What is the Virginia state income tax rate?

Virginia uses four tax brackets. The rates are 2% on the first $3,000, 3% on income from $3,001 to $5,000, 5% on income from $5,001 to $17,000, and 5.75% on all income above $17,000. These apply to your taxable income after your standard deduction and exemptions are subtracted.

What is the standard deduction in Virginia?

The Virginia standard deduction is $8,500 if you file as single or head of household. It is $17,000 if you file as married. This amount is subtracted from your gross wages before state tax is calculated.

What does the VA-4 personal exemption do?

Each personal exemption on your VA-4 form reduces your Virginia taxable income by $930 per year. If you claim 1 allowance, your taxable income drops by $930. If you claim 2, it drops by $1,860, and so on.

What is the additional allowance on the VA-4 for?

The additional allowance is for people who are age 65 or older or who are legally blind. Each additional allowance reduces your Virginia taxable income by $800 per year.

What is the Elected Additional Rate (ATR) on the VA-4?

The ATR is an extra withholding percentage you can choose on your VA-4 form. It takes more state tax out of each paycheck. Most people leave it at 0%. You might use it if you owe extra tax at the end of the year and want to avoid that.

What is the difference between the 2020+ W-4 and the pre-2020 W-4?

The 2020+ W-4 uses filing status, dependents, and other income to figure out your federal withholding. It does not use allowances. The pre-2020 W-4 uses allowances and a simple single or married status. If you filled out a W-4 before 2020 and never updated it, choose the pre-2020 version.

What does the Step 2 checkbox on the W-4 do?

Step 2 tells the calculator that you have more than one job or that your spouse also works. Checking it increases your federal tax withholding so you do not owe a large amount when you file your tax return.

How do pre-tax deductions save me money?

Pre-tax deductions are taken out of your pay before taxes are calculated. This lowers the amount of income that gets taxed. For example, if you put $120 per paycheck into health insurance and it is exempt from federal, state, and FICA taxes, you pay less in all three of those taxes.

What is the difference between pre-tax and post-tax deductions?

Pre-tax deductions come out of your pay before taxes are figured. They lower your taxable income and reduce the taxes you owe. Post-tax deductions come out after taxes are already taken. They do not change how much tax you pay.

What are the FICA tax rates for employees in Virginia?

FICA includes Social Security at 6.2% and Medicare at 1.45%. Social Security tax only applies up to a wage cap, which is $176,100 in 2025. Medicare tax applies to all your wages with no cap. If you earn more than $200,000, you also pay an extra 0.9% Medicare tax on wages above that amount.

What is the Social Security wage base?

The Social Security wage base is the maximum amount of your earnings that are subject to the 6.2% Social Security tax each year. In 2025, the limit is $176,100. Any wages above that amount are not taxed for Social Security.

When does the Additional Medicare Tax apply?

The Additional Medicare Tax of 0.9% kicks in when your wages go over $200,000 in a year if you are single or head of household. If you are married filing jointly, the threshold is $250,000. Only the amount above the threshold is taxed at the extra rate.

What does the employee vs. employer view show?

The employee view shows your take-home pay after your taxes and deductions. The employer view adds the extra taxes the employer must pay, such as the employer's share of Social Security and Medicare, plus Virginia SUTA and federal FUTA. This shows the total cost of employing you.

What is SUTA and how does it affect my pay?

SUTA stands for State Unemployment Tax Act. In Virginia, only the employer pays SUTA. It does not come out of your paycheck. The tax applies to the first $8,000 of your wages each year, and the rate ranges from 0.1% to 6.2%. New employers start at 2.6%.

What is FUTA?

FUTA stands for Federal Unemployment Tax Act. It is a tax paid by the employer, not the employee. It applies to the first $7,000 of each worker's wages per year. The standard rate is 6.0%, but after the state tax credit, most employers pay an effective rate of 0.6%.

Can I switch between per-paycheck and annual amounts in the results?

Yes. In the paycheck breakdown section, use the toggle at the top right to switch between "Per Paycheck" and "Annual." The table will update to show all amounts for the view you pick.

How does pay frequency affect my take-home pay?

Pay frequency changes how your annual taxes are split across paychecks. If you are paid weekly, your per-paycheck tax is smaller but you get 52 paychecks. If you are paid monthly, each paycheck has more tax withheld but you only get 12. Your total annual take-home pay stays about the same.

Why does the check date matter?

The check date tells the calculator which tax year's rules to use. Tax rates, standard deductions, and wage bases can change from year to year. Setting the correct check date makes sure your estimate uses the right numbers.

What does the effective tax rate mean?

Your effective tax rate is the total amount of tax taken from your paycheck divided by your gross pay, shown as a percentage. It tells you how much of each dollar you earn goes to taxes overall, combining federal, state, Social Security, and Medicare.

How is overtime calculated in this tool?

If you check the overtime box, you enter your overtime hourly rate and the number of overtime hours per pay period. The calculator adds overtime pay to your regular pay to get your total gross pay, then applies all taxes and deductions to that total.

How are tips handled for tax purposes?

Tips are added to your gross pay and are subject to federal income tax, Virginia state income tax, Social Security, and Medicare. If your combined cash wage plus tips comes out to less than $12.41 per hour, the calculator will show a warning because your employer must make up the difference.

What does it mean to be exempt from a tax?

Being exempt from a tax means that tax is not taken out of your paycheck. Most workers are not exempt. You might be exempt from federal income tax if you had no tax liability last year and expect none this year. You can check specific boxes in the Tax Exemptions section to mark which taxes do not apply to you.

Is this calculator accurate for my actual paycheck?

This calculator gives you a close estimate based on current tax rates and the information you enter. Your actual paycheck may differ slightly due to rounding, year-to-date wage caps, employer-specific rules, or other factors your payroll system uses. Use it as a planning tool, not as a final number.

Does Virginia tax retirement contributions like 401(k)?

Traditional 401(k) contributions are pre-tax. They reduce your federal and Virginia state taxable income, so you pay less in taxes now. However, you will pay taxes when you withdraw the money in retirement. Roth 401(k) contributions are post-tax, so they do not lower your current taxable income.

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