Rates verified on 2026-10-11
Estimates only
Virginia take-home pay calculator
Tax year 2026 (Jan 1 – Dec 31, 2026)
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Tax year 2026
How Virginia take-home pay is calculated (2026)
A Virginia paycheck estimate stacks federal income tax and FICA with Virginia’s four-band income tax. After the 2026 standard deduction ($8,750 single or $17,500 joint), taxable income is taxed at 2% up to $3,000, 3% to $5,000, 5% to $17,000, and 5.75% above that. Personal exemptions, age deductions, and the Spouse Tax Adjustment are not subtracted here, so the state line can run a little high versus a full Form 760.
How Virginia's graduated income tax hits a paycheck
Virginia individual income tax uses four graduated rates — 2%, 3%, 5%, and 5.75% — with the top rate applying to Virginia taxable income over $17,000. Those bands appear on Virginia Tax’s rate schedule and on the 2026 Form 760ES estimated-tax instructions. For tax year 2026 the Virginia standard deduction is $8,750 (single / married filing separately) or $17,500 (married filing jointly). This calculator subtracts that standard deduction from AGI, then walks the four bands. Personal exemptions ($930 each), age/blind exemptions ($800), the age deduction, and the Spouse Tax Adjustment worksheet are disclosed but not modeled.
State income tax (2026)as of 2026
Progressive 2%–5.75% (top over $17,000)
Source: Virginia Tax — individual income tax rates →Virginia standard deductionas of 2026
$8,750 single/MFS · $17,500 joint
Source: Virginia Tax — Deductions →Median household incomeas of 2024 ACS 1-year
$92,090
Source: U.S. Census Bureau — Virginia profile (ACS median household income) →
Local wage taxes
Virginia does not add a statewide municipal wage income tax in this model. Local BPOL or other business licenses are outside a typical W-2 stub estimate. Differences versus a real paycheck usually come from Virginia exemptions, the Spouse Tax Adjustment, credits, and Form VA-4 withholding elections — not a city income-tax line.
What makes a Virginia paycheck different
- Four graduated rates to 5.75% — the top band starts at only $17,000 of Virginia taxable income.
- 2026 Virginia standard deduction is $8,750 single / $17,500 joint (not the federal amounts).
- Personal exemptions are $930 each (plus $800 age 65+/blind) — documented but not subtracted in this model.
- Married filers can use the Spouse Tax Adjustment worksheet to apply the lower bands twice — not modeled here.
- Federal income tax and FICA still apply on top of the Virginia line.
How we count Virginia take-home
- Virginia state income tax: AGI − Virginia standard deduction, then the four statutory bands.
- Federal income tax: IRS 2026 brackets and federal standard deduction.
- FICA: Social Security and Medicare (and Additional Medicare where it applies).
- Optional pre-tax 401(k) and HSA contributions reduce AGI for both federal and Virginia lines when entered.
- Not modeled: Personal exemptions; Age Blind Exemptions; Age Deduction; Spouse Tax Adjustment; State payroll levies.
Full United States methodology · Bracket tables · Engine & privacy
Sources & status
VerifiedPrimary sources below, grouped by layer. Oldest verification on this page: 2026-10-11.
Federal
- IRS Rev. Proc. 2025-32 (brackets + standard deduction) →verified 2026-10-11
- IRS newsroom IR-2025-103 tax year 2026 inflation adjustments →verified 2026-10-11
- SSA contribution and benefit base 2026 →verified 2026-10-11
- IRS retirement topics — 401(k) contribution limits 2026 →verified 2026-10-11
- IRS — HSA contribution limits (Pub. 969; age-55 catch-up $1,000 fixed) →verified 2026-11-07
- IRS newsroom — 401(k) limit $24,500; catch-up $8,000 / ages 60–63 $11,250 (2026) →verified 2026-11-07
- IRS — Retirement topics catch-up contributions (2026) →verified 2026-11-07
State
- Virginia Tax — individual income tax rate schedule (2% / 3% / 5% / 5.75%) →verified 2026-11-07
- Form 760ES 2026 — Tax Rate Schedule (same four bands) →verified 2026-11-07
- Virginia Tax — Deductions (TY2026 standard deduction $8,750 single / $17,500 MFJ) →verified 2026-11-07
- Virginia Tax — New Virginia Tax Laws (TY2026 SD remains $8,750 / $17,500) →verified 2026-11-07
- Virginia Tax — Exemptions ($930 personal/dependent; $800 age 65+/blind — not subtracted in engine) →verified 2026-11-07
Related United States guides
Virginia 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% |
Virginia state tax brackets (single)
| From | To | Rate |
|---|---|---|
| $0.00 | $3,000.00 | 2.00% |
| $3,000.00 | $5,000.00 | 3.00% |
| $5,000.00 | $17,000.00 | 5.00% |
| $17,000.00 | and above | 5.75% |
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.
Worked examples (Virginia, annual, default assumptions)
| Gross | Net | Effective |
|---|---|---|
| $60,000.00 | $47,700.62 | 20.5% |
| $100,000.00 | $74,190.62 | 25.8% |
| $150,000.00 | $105,926.62 | 29.4% |
Examples use single filing status and no 401(k)/HSA. Open the calculator above to try your salary and filing status.
Frequently asked questions
- What are Virginia’s 2026 tax rates?
- Virginia Tax publishes a four-step schedule: 2% on the first $3,000 of Virginia taxable income, 3% on the next slice through $5,000, 5% through $17,000, and 5.75% on the excess. The same schedule is printed on Form 760ES for 2026.
- Is the standard deduction $8,750 or $8,500?
- For tax years 2025 and 2026 it is $8,750 single and $17,500 married filing jointly. Virginia Tax’s deductions page and 2026 new-laws summary confirm those amounts. Do not use the older $8,500 / $17,000 figures for a 2026 estimate.
- Why don’t you subtract the $930 exemption?
- Personal and dependent exemptions are on our not-modeled list. A full Form 760 subtracts them after the standard or itemized deduction. Treat our state line as slightly high for filers who claim exemptions.
- Does Virginia have city income tax?
- Not in this model. Virginia take-home here is federal + FICA + state income tax. Local business licenses are outside a typical wage estimate.
- What is the Spouse Tax Adjustment?
- A Virginia worksheet that can let each spouse run income through the lower rate bands separately on a joint return, saving up to a few hundred dollars. We do not model that worksheet — married joint results here apply the bands once to combined taxable income.
Related United States calculators
Useful links
Official Virginia tax agencies and the primary sources behind the rates on this page.
- Virginia Tax — home →
Agency hub — Form 760, withholding, estimators
- Individual income tax rates →
Official 2%–5.75% schedule
- Form 760ES 2026 (PDF) →
Estimated tax + rate schedule
- Deductions — standard deduction amounts →
TY2026 $8,750 / $17,500
- Exemptions →
$930 personal; $800 age/blind
- IRS — Tax Withholding Estimator →
Federal paycheck spot-check
- Census — Virginia profile →
ACS median household income context
- Counttaxes — US sources & loaded numbers →
Federal rate file audit trail