Alabama Paycheck & Salary Calculators
Calculate your paycheck, take-home salary, overtime pay, bonus taxes and self-employment taxes in Alabama.
Alabama taxes wage income at 2% – 5%, with local income taxes on top in many areas. The calculators below estimate your Alabama take-home pay alongside federal tax, Social Security and Medicare, using 2025 rate tables.
Tax year 2026 · Last updated August 27, 2026
Based on 2025 Alabama tax tables
Alabama Paycheck Calculator
Enter what you earn in a single pay period and see exactly what reaches your bank account after federal tax, Alabama state tax, Social Security and Medicare.
$75,000 per year at biweekly (every 2 weeks)
Optional deductions & withholding
Reduces income tax but not Social Security or Medicare. The 2026 elective deferral limit is $24,500.
Per pay period. Section 125 premiums cut both income tax and FICA.
Per pay period. Reduces income tax only — for example a 457(b) deferral.
Per pay period. Roth 401(k), union dues, garnishments.
Per pay period. The extra amount from Form W-4, Step 4(c).
Estimated take-home pay
$2,250/ paycheck
$58,491 a year, 22.0% of gross pay going to tax.
Per paycheck breakdown
| Gross pay | $2,885 |
|---|---|
| Federal income tax | − $295.00 |
| Alabama income tax | − $119.29 |
| Social Security | − $178.85 |
| Medicare | − $41.83 |
| Take-home pay | $2,250 |
Take-home pay at other cadences
- Annual
- $58,491
- Monthly
- $4,874
- Biweekly
- $2,250
- Weekly
- $1,125
Total tax per year
$16,509
Effective tax rate
22.0%
Total tax ÷ gross pay
Withholding estimated from the 2026 annual rate schedules assuming a Form W-4 with no dependent credits or extra adjustments. Your employer’s payroll system may withhold a slightly different amount — typically within a few dollars of $2,249.65 per paycheck.
Alabama Salary After Tax Calculator
Turn an annual salary into real Alabama take-home pay, with a visual breakdown of where each dollar goes and your effective tax rate.
Your gross salary before tax — the number on the offer letter.
Try a common salary
Optional deductions & withholding
Capped at the 2026 elective deferral limit of $24,500.
Annual total paid through payroll before tax.
Annual total. Reduces income tax only, not FICA.
Annual total taken after tax — Roth contributions, union dues.
Estimated take-home pay
$4,874/ month
$58,491 a year after an estimated $16,509 in tax.
Where your salary goes
- Take-home pay78.0%
- Federal income tax10.2%
- Alabama income tax4.1%
- Social Security & Medicare7.6%
Annual breakdown
| Gross annual salary | $75,000 |
|---|---|
| Federal income tax | − $7,670 |
| Alabama income tax | − $3,102 |
| Social Security | − $4,650 |
| Medicare | − $1,088 |
| Take-home pay | $58,491 |
Take-home pay
- Annual
- $58,491
- Monthly
- $4,874
- Biweekly
- $2,250
- Weekly
- $1,125
Effective tax rate
22.0%
What you actually pay overall
Marginal rate
27%
22% federal + 5% state
Your effective rate is what you pay across all your income; your marginal rate applies only to the next dollar you earn. They are almost always different, and confusing the two is the most common reason a raise feels smaller than expected.
Alabama Overtime Calculator
Work out a week's regular and overtime pay at Alabama rates, then see what is left after federal and state withholding.
Alabama minimum wage is $7.25 per hour.
Straight-time hours this week.
Hours paid at the premium rate.
Used to annualise your pay for the tax estimate.
Estimated net pay this week
$1,080/ week
$1,375 gross, of which $375.00 is overtime.
This week
| Regular pay(40 hrs) | $1,000 |
|---|---|
| Overtime pay(10 hrs at 1.5×) | $375.00 |
| Gross weekly pay | $1,375 |
| Federal income tax | − $132.69 |
| Alabama income tax | − $57.02 |
| Social Security & Medicare | − $105.19 |
| Estimated net pay | $1,080 |
Net per hour worked
$21.60
Across all 50 hours
Overtime share of pay
27.3%
Not every worker is entitled to overtime
Follows the federal Fair Labor Standards Act: covered, non-exempt employees earn at least 1.5× their regular rate for hours worked beyond 40 in a workweek. There is no daily overtime requirement. Annualised at 52 weeks to estimate your tax bracket, so a single heavy week is taxed as if every week looked the same — real withholding on an unusually large paycheck is often higher, and evens out when you file.
Alabama Bonus Tax Calculator
See what a bonus is actually worth in Alabama after withholding — calculated both of the ways employers are allowed to do it.
Your regular pay for the year, excluding the bonus.
The gross bonus before anything is withheld.
Optional 401(k) deferral
Many plans let you set a separate deferral rate for bonus payments. Deferring reduces the tax withheld now.
Estimated bonus after taxes
$6,535
From a $10,000 gross bonus — 34.6% withheld using the flat-rate method most employers apply.
Percentage method
Flat 22% federal
- Federal withholding
- − $2,200
- Alabama withholding
- − $500
- Social Security
- − $620
- Medicare
- − $145
34.6% withheld
Aggregate method
Bonus added to regular wages
- Federal withholding
- − $2,200
- Alabama withholding
- − $390
- Social Security
- − $620
- Medicare
- − $145
33.6% withheld
Difference between methods
$110
Same tax bill either way — only the timing differs
AL withholding rate
5%
Estimated from your marginal rate
Withholding is not your final tax
The percentage method applies a flat 22% federal rate to supplemental wages up to $1,000,000 a year, and 37% above that. The aggregate method adds the bonus to your regular wages and withholds on the combined total. Social Security and Medicare apply under both.
Alabama 1099 & Self-Employment Tax Calculator
Estimate self-employment tax, federal and Alabama income tax on freelance or contract income — and the quarterly payment you should be setting aside.
Everything your clients paid you — the total across your 1099-NEC forms and any cash work.
Deductible costs: software, equipment, mileage, home office, professional fees.
Other income & retirement contributions
Wages from a job you hold alongside the freelance work. We subtract what that job already withholds.
SEP-IRA, solo 401(k) or deductible traditional IRA contributions for the year.
Estimated quarterly payment
$5,080/ quarter
Set aside about 27.1% of every dollar of net profit to cover it.
Annual estimate
| Revenue | $90,000 |
|---|---|
| Business expenses | − $15,000 |
| Net self-employment income | $75,000 |
| Self-employment tax — Social Security | − $8,589 |
| Self-employment tax — Medicare | − $2,009 |
| Federal income tax | − $6,504 |
| Alabama income tax | − $3,220 |
| Estimated after-tax income | $54,678 |
Total estimated tax
$20,322
27.1% effective rate
Self-employment tax
$10,597
Both halves of Social Security and Medicare
Estimated tax due dates for 2026
- Q1 (Jan 1 – Mar 31)April 15, 2026
- Q2 (Apr 1 – May 31)June 15, 2026
- Q3 (Jun 1 – Aug 31)September 15, 2026
- Q4 (Sep 1 – Dec 31)January 15, 2027
Why self-employment tax feels so high
Does not include the qualified business income (QBI) deduction, the self-employed health insurance deduction, or state and local business taxes such as gross receipts or franchise tax. QBI in particular can reduce federal taxable income by up to 20% for many freelancers, so treat this as a conservative estimate. Paying 90% of your current-year liability or 100% of last year’s generally avoids an underpayment penalty.
Alabama Income Taxes
Does Alabama have a state income tax?
Alabama's top rate of 5% starts at only $3,000 of taxable income for a single filer, so in practice nearly all wage income is taxed at 5%.
Alabama's distinguishing feature is the uncapped deduction for federal income tax paid. Because your federal tax rises with income, this deduction quietly reduces the Alabama effective rate for higher earners — no other state offers it without a cap.
Alabama briefly exempted overtime pay from state income tax. That exemption expired on June 30, 2025, so overtime earned after that date is taxed like ordinary wages again.
Local occupational taxes apply in a number of Alabama cities and are withheld based on where you work rather than where you live.
Alabama does not tax Social Security benefits or traditional pension income, and it exempts the first $6,000 of distributions from defined contribution plans for filers 65 and over.
Traditional 401(k) contributions reduce Alabama taxable wages the same way they reduce federal taxable wages.
Alabama at a glance
- State income tax on wages
- Yes
- Rate structure
- Graduated brackets
- Rate
- 2% – 5%
- Local income tax
- Yes, in some areas
- Minimum wage
- $7.25 / hour
- Data last reviewed
- August 27, 2026
Local income taxes in Alabama
Alabama Paycheck Example: $100,000 Salary
Here is what a $100,000 salary looks like for a single filer in Alabama, with no 401(k) contribution and the standard deduction applied. Change any of those assumptions in the calculators above.
| Gross annual salary | $100,000 |
|---|---|
| Federal income tax | − $13,170 |
| Alabama income tax | − $4,077 |
| Social Security | − $6,200 |
| Medicare | − $1,450 |
| Take-home pay | $75,104 |
Where the $100,000 goes
- Take-home pay75.1%
- Federal income tax13.2%
- Alabama income tax4.1%
- Social Security & Medicare7.6%
Monthly take-home
$6,259
Effective rate
24.9%
Alabama Minimum Wage & Overtime
Minimum wage
$7.25 / hour
Effective July 24, 2009
Alabama has no state minimum wage law, so the federal $7.25 per hour applies. State law preempts cities from setting a higher local minimum.
Overtime rules
Follows the federal Fair Labor Standards Act: covered, non-exempt employees earn at least 1.5× their regular rate for hours worked beyond 40 in a workweek. There is no daily overtime requirement.
Whether you are entitled to overtime at all depends on your job duties and how you are paid, not just your hours. Executive, administrative, professional, outside sales and certain computer roles can be exempt.
What this Alabama estimate does not include
Every paycheck calculator makes simplifying assumptions. Here are ours, so you know exactly where the estimate could differ from your real pay stub or tax return.
- City, county and school district income taxes are not included in the estimate.
- Municipal occupational taxes of roughly 0.5%–2% are not included.
- Alabama's standard deduction phases down with income; the estimate applies the maximum, so it understates tax at higher incomes.
- State-level tax credits (child and dependent care, earned income, renter and property tax credits) are not applied.
- Assumes you live and work in this state for the whole year. Multi-state and remote-work situations follow different rules.
Common questions about Alabama taxes
How much tax is taken out of my paycheck in Alabama?
On a $65,000 salary, a single filer in Alabama keeps about $51,704 a year — roughly $4,309 a month. That is an effective tax rate of about 20.5%, made up of $5,620 federal income tax, $2,704 Alabama income tax, and $4,973 in Social Security and Medicare.
Does Alabama have a state income tax?
Yes. Alabama taxes wage income at 2% – 5%, so higher slices of income are taxed at higher rates. Local income taxes also apply in parts of Alabama, on top of the state rate.
How much is $100,000 after taxes in Alabama?
A single filer earning $100,000 in Alabama takes home approximately $75,104 a year, or $6,259 a month, after an estimated $24,897 in federal tax, state tax, Social Security and Medicare. That is an effective tax rate of 24.9%. Filing jointly, itemizing or contributing to a 401(k) all change the figure.
How is overtime calculated in Alabama?
Follows the federal Fair Labor Standards Act: covered, non-exempt employees earn at least 1.5× their regular rate for hours worked beyond 40 in a workweek. There is no daily overtime requirement. Overtime pay is taxed as ordinary income — there is no separate overtime tax rate — but because a big overtime week raises your annualised pay, payroll systems often withhold more from that paycheck than your yearly rate implies. It evens out when you file.
How are bonuses taxed in Alabama?
Bonuses are supplemental wages. Most employers withhold a flat 22% for federal tax, plus Alabama tax at your regular withholding rate. Social Security and Medicare apply too. On a $10,000 bonus with a $100,000 salary, expect roughly $6,535 to land in your account. Withholding is not your final tax — if too much was withheld you get it back when you file.
How much should a 1099 worker save for taxes in Alabama?
On $70,000 of net self-employment profit, a single filer in Alabama owes roughly $18,505 in combined self-employment and income tax — about 26.4% of profit. Setting aside 29.4% of every payment is a safer rule of thumb, because it leaves room for a good year pushing you into a higher bracket. Estimated payments are due quarterly.
What is the minimum wage in Alabama?
Alabama's minimum wage is $7.25 per hour as of July 24, 2009. Alabama has no state minimum wage law, so the federal $7.25 per hour applies. State law preempts cities from setting a higher local minimum.
Are there local income taxes in Alabama?
A number of Alabama cities and counties levy an occupational tax on wages earned within their boundaries — around 1% in Birmingham and Gadsden, with other municipalities charging between 0.5% and 2%. It is withheld by your employer and is not included in the estimate above.
Sources & methodology
Every rate on this page comes from a primary source: the IRS for federal figures and Alabama’s own revenue and labor agencies for state figures. State tax data last reviewed August 27, 2026 against 2025 tables.
View all sources
Alabama
Federal
- IRS Rev. Proc. 2025-32 — 2026 inflation-adjusted tax rate schedules and standard deduction
- IRS Publication 15-T — Federal Income Tax Withholding Methods
- IRS Publication 15 (Circular E) — Employer's Tax Guide
- SSA — Contribution and Benefit Base (Social Security wage base)
- IRS — Topic no. 751, Social Security and Medicare withholding rates
- IRS — Retirement topics: 401(k) and profit-sharing plan contribution limits
- IRS Publication 505 — Tax Withholding and Estimated Tax (safe harbor rules)
- IRS Schedule SE — Self-Employment Tax
Federal income tax is estimated using the annual rate schedules and the standard deduction for your filing status. It assumes a Form W-4 filled out with no dependent credits, no other income and no extra deductions claimed in Steps 3 and 4.
Itemized deductions, the Child Tax Credit, education credits, the Earned Income Tax Credit, the qualified business income deduction and the Alternative Minimum Tax are not modeled.
Employer withholding and final tax liability are different numbers. What comes out of your paycheck is an advance payment; the return you file determines what you actually owe.
A note on what these numbers are