Does this Oregon take-home include PFML?

Yes. Paid Leave Oregon (employee share) (0.6% on wages up to the Social Security wage base) is included in this estimate. Sources are listed under Sources & verification.

What is Paid Leave Oregon on my paycheck?

For 2026 the total contribution rate is 1% of wages up to $184,500. Employees pay 60% of that rate (0.6%). Large employers (25+) pay the other 40%; small employers generally do not. Some employers cover part of the employee share.

Does Oregon have a standard deduction?

Yes. For tax year 2026 it is $2,900 if you are single or married filing separately, $5,800 if married filing jointly or a qualifying surviving spouse, and $4,650 for head of household (Publication OR-ESTIMATE).

Does Oregon tax HSA contributions?

Full-year residents generally get federal HSA treatment through federal AGI — Oregon does not add HSA contributions back. This model treats Oregon as HSA-conforming.

Rates verified on 2026-10-11

Estimates only

Oregon take-home pay calculator

Tax year 2026 (Jan 1 – Dec 31, 2026)

Region(required)

Gross pay

Pay frequency

Filing status

Pre-tax 401(k)

Traditional elective deferral — reduces taxable income, not FICA. Cap $24,500/yr (under age 50).

Advanced options

Your age

Age 50+ / 60–63 raise the 401(k) elective deferral cap; age 55+ adds the fixed $1,000 HSA catch-up when present in the verified national file.

Dependents

Adds state/city personal exemptions beyond yourself (and spouse if MFJ) where the state file models them. Federal tax credits for dependents are not modeled.

Roth 401(k)

Does not reduce taxable income. Real plans share the elective deferral limit with pre-tax 401(k).

HSA coverage

HSA contribution (annual)

Self-only $4,400; family $8,750; +$1,000 if age ≥ 55. Payroll HSA reduces FICA. Some states (e.g. California) do not conform — HSA still counts in state wages.

Other pre-tax benefits (annual)

Health/dental/vision, FSA, dependent-care FSA, commuter — reduces AGI and FICA.

Federal deduction

Results update as you type. Methodology · Annual figures are exact; per-paycheck figures are rounded.

Your result will appear here

Tax year 2026

How Oregon take-home pay is calculated (2026)

An Oregon paycheck estimate stacks federal income tax and FICA with Oregon’s four-band income tax (4.75%–9.9% after the Oregon standard deduction) plus employee Paid Leave Oregon at 0.6% of wages up to the Social Security wage base. The personal exemption credit and federal tax subtraction are disclosed but not subtracted.

Outline map of the state of Oregon — Oregon state outline (styled by Counttaxes) — not an official Department of Revenue chart.

Oregon brackets and Paid Leave on a paycheck

Oregon personal income tax uses four rates — 4.75%, 6.75%, 8.75%, and 9.9% — after the 2026 Oregon standard deduction ($2,900 single / $5,800 joint / $4,650 head of household) from Publication OR-ESTIMATE. Head of household uses the joint rate chart. This estimate walks those brackets on AGI after the Oregon standard deduction; the personal exemption credit ($260) and federal tax subtraction (up to $8,750) stay outside the model. Employees also pay Paid Leave Oregon at 0.6% of wages up to the Social Security wage base ($184,500 for 2026) — included here.

State income tax (2026)as of 2026
4.75%–9.9% after Oregon standard deduction
Source: Publication OR-ESTIMATE 2026 (PDF) →
Paid Leave Oregon (2026)as of 2026
Employee 0.6% of wages up to $184,500
Source: Paid Leave Oregon — employees overview →
Median household incomeas of 2024 ACS 1-year
$85,220
Source: U.S. Census Bureau — Oregon profile (ACS median household income) →

Local wage taxes

Oregon does not add a statewide municipal wage income tax in this model. Multnomah County and Portland business or other local levies that may appear on some stubs are outside this estimate.

What makes an Oregon paycheck different

Four progressive rates to 9.9% after a relatively small Oregon standard deduction ($2,900 single / $5,800 joint / $4,650 HOH for 2026).
Paid Leave Oregon employee premiums are subtracted (0.6% up to the Social Security wage base).
Personal exemption credit ($260) and federal tax subtraction (up to $8,750) stay outside this estimate.
Federal income tax and FICA still apply; Oregon does not replace them.
Compared with Washington (no wage income tax), Oregon’s gap is the income-tax line plus Paid Leave.

How we count Oregon take-home

Oregon income tax: progressive brackets from Publication OR-ESTIMATE 2026 after the Oregon standard deduction for your filing status.
Federal income tax: IRS 2026 brackets and standard deduction.
FICA: Social Security and Medicare (and Additional Medicare where it applies).
Paid Leave Oregon (employee share): employee 0.6% up to the Social Security wage base (included).
Not modeled: Personal Exemption Credit; Federal Tax Deduction.

Full United States methodology · Bracket tables · Engine & privacy

Sources & status

Verified

Primary sources below, grouped by layer. Oldest verification on this page: 2026-10-11.

Oregon tax brackets (2026)

Federal income tax brackets (Single)

From	To	Rate
$0.00	$12,400.00	10.00%
$12,400.00	$50,400.00	12.00%
$50,400.00	$105,700.00	22.00%
$105,700.00	$201,775.00	24.00%
$201,775.00	$256,225.00	32.00%
$256,225.00	$640,600.00	35.00%
$640,600.00	and above	37.00%

Oregon state tax brackets (single)

From	To	Rate
$0.00	$4,550.00	4.75%
$4,550.00	$11,400.00	6.75%
$11,400.00	$125,000.00	8.75%
$125,000.00	and above	9.90%

How a US paycheck works

Every US paycheck starts with the same federal layers: income-tax withholding from Form W-4, plus Social Security and Medicare (FICA). State and local lines come next when your region files them.

Counttaxes estimates annual liability from verified rate files, then shows per-paycheck amounts for your frequency — not a live payroll withholding run.

Read the full US paycheck guide →

Worked examples (Oregon, annual, default assumptions)

Gross	Net	Effective
$60,000.00	$45,352.74	24.4%
$100,000.00	$70,402.74	29.6%
$150,000.00	$100,084.59	33.3%

Examples use single filing status and no 401(k)/HSA. Open the calculator above to try your salary and filing status. Nets include WA PFML employee share (0.6%).

Frequently asked questions

Does this Oregon take-home include PFML?: Yes. Paid Leave Oregon (employee share) (0.6% on wages up to the Social Security wage base) is included in this estimate. Sources are listed under Sources & verification.
What is Paid Leave Oregon on my paycheck?: For 2026 the total contribution rate is 1% of wages up to $184,500. Employees pay 60% of that rate (0.6%). Large employers (25+) pay the other 40%; small employers generally do not. Some employers cover part of the employee share.
Does Oregon have a standard deduction?: Yes. For tax year 2026 it is $2,900 if you are single or married filing separately, $5,800 if married filing jointly or a qualifying surviving spouse, and $4,650 for head of household (Publication OR-ESTIMATE).
Does Oregon tax HSA contributions?: Full-year residents generally get federal HSA treatment through federal AGI — Oregon does not add HSA contributions back. This model treats Oregon as HSA-conforming.

Related United States calculators

Useful links

Official Oregon tax agencies and the primary sources behind the rates on this page.

Oregon Department of Revenue →
Personal income tax forms and guidance
Publication OR-ESTIMATE 2026 (PDF) →
Primary source for 2026 rate charts and deductions
Paid Leave Oregon — employees →
Contribution rates and wage maximum
Oregon Employment Department — 2026 rates press release →
Confirms 1% Paid Leave rate and $184,500 wage max
IRS — Tax Withholding Estimator →
Federal paycheck spot-check