{
 "updated": "2026-10-27",
 "title": "North America take-home ranking, 2026",
 "persona": "Single, no dependants, salary only, paid bi-weekly; no pre-tax savings; no city or county income tax.",
 "method": {
  "canada": "CanPay Insights engine: CRA T4032 (July 2026 edition) and Revenu Québec TP-1015.TI withholding — federal and provincial tax, CPP/QPP, EI, QPIP. Checked row by row against the official tables.",
  "us": "USAPay Insights engine: 2026 annual liability — federal income tax, Social Security, Medicare, state income tax and statewide payroll contributions at their statutory employee rates.",
  "basis": "Canada is what the payroll withholds; the US is the tax owed for the year. For a single salary earner with no other income the two agree to within a few dollars.",
  "fx": "Bank of Canada daily USD/CAD, 249-day average 2025-10-01 to 2026-09-29: 1.3875. Canadian salaries are the US salary × this rate, rounded to the dollar.",
  "ranks": "By share of gross kept, shown to 0.1 point; jurisdictions that print the same share share a rank (1, 1, 3)."
 },
 "fx": {
  "usdcad": 1.3875,
  "days": 249,
  "from": "2025-10-01",
  "to": "2026-09-29"
 },
 "engines": {
  "canada": "canpay-insights (this repository)",
  "us": {
   "package": "@usapay/engine",
   "version": "2026.1.0",
   "commit": "00b81dc"
  }
 },
 "tiers": [
  {
   "usd": 40000,
   "cad": 55500,
   "rows": [
    {
     "code": "FL",
     "country": "US",
     "name": "Florida",
     "gross": 40000,
     "net": 34320,
     "keptPct": 85.8,
     "rank": 1
    },
    {
     "code": "ND",
     "country": "US",
     "name": "North Dakota",
     "gross": 40000,
     "net": 34320,
     "keptPct": 85.8,
     "rank": 1
    },
    {
     "code": "NH",
     "country": "US",
     "name": "New Hampshire",
     "gross": 40000,
     "net": 34320,
     "keptPct": 85.8,
     "rank": 1
    },
    {
     "code": "NV",
     "country": "US",
     "name": "Nevada",
     "gross": 40000,
     "net": 34320,
     "keptPct": 85.8,
     "rank": 1
    },
    {
     "code": "SD",
     "country": "US",
     "name": "South Dakota",
     "gross": 40000,
     "net": 34320,
     "keptPct": 85.8,
     "rank": 1
    },
    {
     "code": "TN",
     "country": "US",
     "name": "Tennessee",
     "gross": 40000,
     "net": 34320,
     "keptPct": 85.8,
     "rank": 1
    },
    {
     "code": "TX",
     "country": "US",
     "name": "Texas",
     "gross": 40000,
     "net": 34320,
     "keptPct": 85.8,
     "rank": 1
    },
    {
     "code": "WY",
     "country": "US",
     "name": "Wyoming",
     "gross": 40000,
     "net": 34320,
     "keptPct": 85.8,
     "rank": 1
    },
    {
     "code": "AK",
     "country": "US",
     "name": "Alaska",
     "gross": 40000,
     "net": 34120,
     "keptPct": 85.3,
     "rank": 9
    },
    {
     "code": "OH",
     "country": "US",
     "name": "Ohio",
     "gross": 40000,
     "net": 34002.38,
     "keptPct": 85.01,
     "rank": 10
    },
    {
     "code": "SC",
     "country": "US",
     "name": "South Carolina",
     "gross": 40000,
     "net": 33822.5,
     "keptPct": 84.56,
     "rank": 11
    },
    {
     "code": "WA",
     "country": "US",
     "name": "Washington",
     "gross": 40000,
     "net": 33765.14,
     "keptPct": 84.41,
     "rank": 12
    },
    {
     "code": "AZ",
     "country": "US",
     "name": "Arizona",
     "gross": 40000,
     "net": 33722.5,
     "keptPct": 84.31,
     "rank": 13
    },
    {
     "code": "NM",
     "country": "US",
     "name": "New Mexico",
     "gross": 40000,
     "net": 33567.3,
     "keptPct": 83.92,
     "rank": 14
    },
    {
     "code": "LA",
     "country": "US",
     "name": "Louisiana",
     "gross": 40000,
     "net": 33506.25,
     "keptPct": 83.77,
     "rank": 15
    },
    {
     "code": "IA",
     "country": "US",
     "name": "Iowa",
     "gross": 40000,
     "net": 33451.8,
     "keptPct": 83.63,
     "rank": 16
    },
    {
     "code": "MS",
     "country": "US",
     "name": "Mississippi",
     "gross": 40000,
     "net": 33452,
     "keptPct": 83.63,
     "rank": 16
    },
    {
     "code": "NE",
     "country": "US",
     "name": "Nebraska",
     "gross": 40000,
     "net": 33379.54,
     "keptPct": 83.45,
     "rank": 18
    },
    {
     "code": "MO",
     "country": "US",
     "name": "Missouri",
     "gross": 40000,
     "net": 33377.33,
     "keptPct": 83.44,
     "rank": 19
    },
    {
     "code": "VT",
     "country": "US",
     "name": "Vermont",
     "gross": 40000,
     "net": 33373.18,
     "keptPct": 83.43,
     "rank": 19
    },
    {
     "code": "AR",
     "country": "US",
     "name": "Arkansas",
     "gross": 40000,
     "net": 33327.55,
     "keptPct": 83.32,
     "rank": 21
    },
    {
     "code": "NJ",
     "country": "US",
     "name": "New Jersey",
     "gross": 40000,
     "net": 33299.5,
     "keptPct": 83.25,
     "rank": 21
    },
    {
     "code": "WV",
     "country": "US",
     "name": "West Virginia",
     "gross": 40000,
     "net": 33276.7,
     "keptPct": 83.19,
     "rank": 23
    },
    {
     "code": "WI",
     "country": "US",
     "name": "Wisconsin",
     "gross": 40000,
     "net": 33236.06,
     "keptPct": 83.09,
     "rank": 24
    },
    {
     "code": "NC",
     "country": "US",
     "name": "North Carolina",
     "gross": 40000,
     "net": 33232.73,
     "keptPct": 83.08,
     "rank": 24
    },
    {
     "code": "UT",
     "country": "US",
     "name": "Utah",
     "gross": 40000,
     "net": 33229.05,
     "keptPct": 83.07,
     "rank": 24
    },
    {
     "code": "CA",
     "country": "US",
     "name": "California",
     "gross": 40000,
     "net": 33217.31,
     "keptPct": 83.04,
     "rank": 27
    },
    {
     "code": "MT",
     "country": "US",
     "name": "Montana",
     "gross": 40000,
     "net": 33196.7,
     "keptPct": 82.99,
     "rank": 27
    },
    {
     "code": "IN",
     "country": "US",
     "name": "Indiana",
     "gross": 40000,
     "net": 33169.5,
     "keptPct": 82.92,
     "rank": 29
    },
    {
     "code": "CO",
     "country": "US",
     "name": "Colorado",
     "gross": 40000,
     "net": 33092.4,
     "keptPct": 82.73,
     "rank": 30
    },
    {
     "code": "DC",
     "country": "US",
     "name": "District of Columbia",
     "gross": 40000,
     "net": 33086,
     "keptPct": 82.72,
     "rank": 30
    },
    {
     "code": "GA",
     "country": "US",
     "name": "Georgia",
     "gross": 40000,
     "net": 33072.5,
     "keptPct": 82.68,
     "rank": 30
    },
    {
     "code": "OK",
     "country": "US",
     "name": "Oklahoma",
     "gross": 40000,
     "net": 33065.5,
     "keptPct": 82.66,
     "rank": 30
    },
    {
     "code": "PA",
     "country": "US",
     "name": "Pennsylvania",
     "gross": 40000,
     "net": 33064,
     "keptPct": 82.66,
     "rank": 30
    },
    {
     "code": "ID",
     "country": "US",
     "name": "Idaho",
     "gross": 40000,
     "net": 33053.3,
     "keptPct": 82.63,
     "rank": 35
    },
    {
     "code": "KY",
     "country": "US",
     "name": "Kentucky",
     "gross": 40000,
     "net": 33037.6,
     "keptPct": 82.59,
     "rank": 35
    },
    {
     "code": "ME",
     "country": "US",
     "name": "Maine",
     "gross": 40000,
     "net": 33018,
     "keptPct": 82.55,
     "rank": 35
    },
    {
     "code": "HI",
     "country": "US",
     "name": "Hawaii",
     "gross": 40000,
     "net": 32994.59,
     "keptPct": 82.49,
     "rank": 38
    },
    {
     "code": "RI",
     "country": "US",
     "name": "Rhode Island",
     "gross": 40000,
     "net": 32996.88,
     "keptPct": 82.49,
     "rank": 38
    },
    {
     "code": "KS",
     "country": "US",
     "name": "Kansas",
     "gross": 40000,
     "net": 32887.69,
     "keptPct": 82.22,
     "rank": 40
    },
    {
     "code": "MI",
     "country": "US",
     "name": "Michigan",
     "gross": 40000,
     "net": 32870.75,
     "keptPct": 82.18,
     "rank": 40
    },
    {
     "code": "VA",
     "country": "US",
     "name": "Virginia",
     "gross": 40000,
     "net": 32834.1,
     "keptPct": 82.09,
     "rank": 42
    },
    {
     "code": "MN",
     "country": "US",
     "name": "Minnesota",
     "gross": 40000,
     "net": 32822.55,
     "keptPct": 82.06,
     "rank": 42
    },
    {
     "code": "NU",
     "country": "CA",
     "name": "Nunavut",
     "gross": 55500,
     "net": 45530.89,
     "keptPct": 82.04,
     "rank": 44
    },
    {
     "code": "CT",
     "country": "US",
     "name": "Connecticut",
     "gross": 40000,
     "net": 32795,
     "keptPct": 81.99,
     "rank": 44
    },
    {
     "code": "MD",
     "country": "US",
     "name": "Maryland",
     "gross": 40000,
     "net": 32783.63,
     "keptPct": 81.96,
     "rank": 44
    },
    {
     "code": "AL",
     "country": "US",
     "name": "Alabama",
     "gross": 40000,
     "net": 32691,
     "keptPct": 81.73,
     "rank": 47
    },
    {
     "code": "DE",
     "country": "US",
     "name": "Delaware",
     "gross": 40000,
     "net": 32616.88,
     "keptPct": 81.54,
     "rank": 48
    },
    {
     "code": "NY",
     "country": "US",
     "name": "New York",
     "gross": 40000,
     "net": 32553,
     "keptPct": 81.38,
     "rank": 49
    },
    {
     "code": "IL",
     "country": "US",
     "name": "Illinois",
     "gross": 40000,
     "net": 32484.79,
     "keptPct": 81.21,
     "rank": 50
    },
    {
     "code": "MA",
     "country": "US",
     "name": "Massachusetts",
     "gross": 40000,
     "net": 32356,
     "keptPct": 80.89,
     "rank": 51
    },
    {
     "code": "NT",
     "country": "CA",
     "name": "Northwest Territories",
     "gross": 55500,
     "net": 44786.3,
     "keptPct": 80.7,
     "rank": 52
    },
    {
     "code": "YT",
     "country": "CA",
     "name": "Yukon",
     "gross": 55500,
     "net": 44657.49,
     "keptPct": 80.46,
     "rank": 53
    },
    {
     "code": "BC",
     "country": "CA",
     "name": "British Columbia",
     "gross": 55500,
     "net": 44563.64,
     "keptPct": 80.29,
     "rank": 54
    },
    {
     "code": "AB",
     "country": "CA",
     "name": "Alberta",
     "gross": 55500,
     "net": 44505.99,
     "keptPct": 80.19,
     "rank": 55
    },
    {
     "code": "ON",
     "country": "CA",
     "name": "Ontario",
     "gross": 55500,
     "net": 44215.06,
     "keptPct": 79.67,
     "rank": 56
    },
    {
     "code": "OR",
     "country": "US",
     "name": "Oregon",
     "gross": 40000,
     "net": 31605.88,
     "keptPct": 79.01,
     "rank": 57
    },
    {
     "code": "SK",
     "country": "CA",
     "name": "Saskatchewan",
     "gross": 55500,
     "net": 43527.98,
     "keptPct": 78.43,
     "rank": 58
    },
    {
     "code": "NB",
     "country": "CA",
     "name": "New Brunswick",
     "gross": 55500,
     "net": 43126.11,
     "keptPct": 77.7,
     "rank": 59
    },
    {
     "code": "NL",
     "country": "CA",
     "name": "Newfoundland and Labrador",
     "gross": 55500,
     "net": 42865.63,
     "keptPct": 77.24,
     "rank": 60
    },
    {
     "code": "MB",
     "country": "CA",
     "name": "Manitoba",
     "gross": 55500,
     "net": 42791.07,
     "keptPct": 77.1,
     "rank": 61
    },
    {
     "code": "QC",
     "country": "CA",
     "name": "Quebec",
     "gross": 55500,
     "net": 42528.89,
     "keptPct": 76.63,
     "rank": 62
    },
    {
     "code": "PE",
     "country": "CA",
     "name": "Prince Edward Island",
     "gross": 55500,
     "net": 42501.19,
     "keptPct": 76.58,
     "rank": 62
    },
    {
     "code": "NS",
     "country": "CA",
     "name": "Nova Scotia",
     "gross": 55500,
     "net": 41848.96,
     "keptPct": 75.4,
     "rank": 64
    }
   ]
  },
  {
   "usd": 60000,
   "cad": 83250,
   "rows": [
    {
     "code": "FL",
     "country": "US",
     "name": "Florida",
     "gross": 60000,
     "net": 50390,
     "keptPct": 83.98,
     "rank": 1
    },
    {
     "code": "ND",
     "country": "US",
     "name": "North Dakota",
     "gross": 60000,
     "net": 50390,
     "keptPct": 83.98,
     "rank": 1
    },
    {
     "code": "NH",
     "country": "US",
     "name": "New Hampshire",
     "gross": 60000,
     "net": 50390,
     "keptPct": 83.98,
     "rank": 1
    },
    {
     "code": "NV",
     "country": "US",
     "name": "Nevada",
     "gross": 60000,
     "net": 50390,
     "keptPct": 83.98,
     "rank": 1
    },
    {
     "code": "SD",
     "country": "US",
     "name": "South Dakota",
     "gross": 60000,
     "net": 50390,
     "keptPct": 83.98,
     "rank": 1
    },
    {
     "code": "TN",
     "country": "US",
     "name": "Tennessee",
     "gross": 60000,
     "net": 50390,
     "keptPct": 83.98,
     "rank": 1
    },
    {
     "code": "TX",
     "country": "US",
     "name": "Texas",
     "gross": 60000,
     "net": 50390,
     "keptPct": 83.98,
     "rank": 1
    },
    {
     "code": "WY",
     "country": "US",
     "name": "Wyoming",
     "gross": 60000,
     "net": 50390,
     "keptPct": 83.98,
     "rank": 1
    },
    {
     "code": "AK",
     "country": "US",
     "name": "Alaska",
     "gross": 60000,
     "net": 50119,
     "keptPct": 83.53,
     "rank": 9
    },
    {
     "code": "WA",
     "country": "US",
     "name": "Washington",
     "gross": 60000,
     "net": 49557.7,
     "keptPct": 82.6,
     "rank": 10
    },
    {
     "code": "OH",
     "country": "US",
     "name": "Ohio",
     "gross": 60000,
     "net": 49515.5,
     "keptPct": 82.53,
     "rank": 11
    },
    {
     "code": "AZ",
     "country": "US",
     "name": "Arizona",
     "gross": 60000,
     "net": 49292.5,
     "keptPct": 82.15,
     "rank": 12
    },
    {
     "code": "SC",
     "country": "US",
     "name": "South Carolina",
     "gross": 60000,
     "net": 49011.5,
     "keptPct": 81.69,
     "rank": 13
    },
    {
     "code": "LA",
     "country": "US",
     "name": "Louisiana",
     "gross": 60000,
     "net": 48976.25,
     "keptPct": 81.63,
     "rank": 14
    },
    {
     "code": "IA",
     "country": "US",
     "name": "Iowa",
     "gross": 60000,
     "net": 48761.8,
     "keptPct": 81.27,
     "rank": 15
    },
    {
     "code": "VT",
     "country": "US",
     "name": "Vermont",
     "gross": 60000,
     "net": 48751.18,
     "keptPct": 81.25,
     "rank": 15
    },
    {
     "code": "NM",
     "country": "US",
     "name": "New Mexico",
     "gross": 60000,
     "net": 48735.7,
     "keptPct": 81.23,
     "rank": 17
    },
    {
     "code": "MS",
     "country": "US",
     "name": "Mississippi",
     "gross": 60000,
     "net": 48722,
     "keptPct": 81.2,
     "rank": 17
    },
    {
     "code": "AR",
     "country": "US",
     "name": "Arkansas",
     "gross": 60000,
     "net": 48657.55,
     "keptPct": 81.1,
     "rank": 19
    },
    {
     "code": "IN",
     "country": "US",
     "name": "Indiana",
     "gross": 60000,
     "net": 48649.5,
     "keptPct": 81.08,
     "rank": 19
    },
    {
     "code": "NE",
     "country": "US",
     "name": "Nebraska",
     "gross": 60000,
     "net": 48539.54,
     "keptPct": 80.9,
     "rank": 21
    },
    {
     "code": "WV",
     "country": "US",
     "name": "West Virginia",
     "gross": 60000,
     "net": 48523.9,
     "keptPct": 80.87,
     "rank": 21
    },
    {
     "code": "MO",
     "country": "US",
     "name": "Missouri",
     "gross": 60000,
     "net": 48507.33,
     "keptPct": 80.85,
     "rank": 21
    },
    {
     "code": "NC",
     "country": "US",
     "name": "North Carolina",
     "gross": 60000,
     "net": 48504.73,
     "keptPct": 80.84,
     "rank": 24
    },
    {
     "code": "PA",
     "country": "US",
     "name": "Pennsylvania",
     "gross": 60000,
     "net": 48506,
     "keptPct": 80.84,
     "rank": 24
    },
    {
     "code": "KY",
     "country": "US",
     "name": "Kentucky",
     "gross": 60000,
     "net": 48407.6,
     "keptPct": 80.68,
     "rank": 26
    },
    {
     "code": "MT",
     "country": "US",
     "name": "Montana",
     "gross": 60000,
     "net": 48326.7,
     "keptPct": 80.54,
     "rank": 27
    },
    {
     "code": "WI",
     "country": "US",
     "name": "Wisconsin",
     "gross": 60000,
     "net": 48320.46,
     "keptPct": 80.53,
     "rank": 27
    },
    {
     "code": "OK",
     "country": "US",
     "name": "Oklahoma",
     "gross": 60000,
     "net": 48235.5,
     "keptPct": 80.39,
     "rank": 29
    },
    {
     "code": "CO",
     "country": "US",
     "name": "Colorado",
     "gross": 60000,
     "net": 48194.4,
     "keptPct": 80.32,
     "rank": 30
    },
    {
     "code": "NJ",
     "country": "US",
     "name": "New Jersey",
     "gross": 60000,
     "net": 48180.35,
     "keptPct": 80.3,
     "rank": 30
    },
    {
     "code": "UT",
     "country": "US",
     "name": "Utah",
     "gross": 60000,
     "net": 48149.05,
     "keptPct": 80.25,
     "rank": 30
    },
    {
     "code": "GA",
     "country": "US",
     "name": "Georgia",
     "gross": 60000,
     "net": 48144.5,
     "keptPct": 80.24,
     "rank": 33
    },
    {
     "code": "RI",
     "country": "US",
     "name": "Rhode Island",
     "gross": 60000,
     "net": 48096.88,
     "keptPct": 80.16,
     "rank": 33
    },
    {
     "code": "MI",
     "country": "US",
     "name": "Michigan",
     "gross": 60000,
     "net": 48090.75,
     "keptPct": 80.15,
     "rank": 33
    },
    {
     "code": "ID",
     "country": "US",
     "name": "Idaho",
     "gross": 60000,
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     "keptPct": 80.11,
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     "code": "BC",
     "country": "CA",
     "name": "British Columbia",
     "gross": 208125,
     "net": 140654.11,
     "keptPct": 67.58,
     "rank": 55
    },
    {
     "code": "OR",
     "country": "US",
     "name": "Oregon",
     "gross": 150000,
     "net": 100198.59,
     "keptPct": 66.8,
     "rank": 56
    },
    {
     "code": "SK",
     "country": "CA",
     "name": "Saskatchewan",
     "gross": 208125,
     "net": 137918.22,
     "keptPct": 66.27,
     "rank": 57
    },
    {
     "code": "ON",
     "country": "CA",
     "name": "Ontario",
     "gross": 208125,
     "net": 135331.78,
     "keptPct": 65.02,
     "rank": 58
    },
    {
     "code": "NB",
     "country": "CA",
     "name": "New Brunswick",
     "gross": 208125,
     "net": 133740.7,
     "keptPct": 64.26,
     "rank": 59
    },
    {
     "code": "MB",
     "country": "CA",
     "name": "Manitoba",
     "gross": 208125,
     "net": 132853.2,
     "keptPct": 63.83,
     "rank": 60
    },
    {
     "code": "NL",
     "country": "CA",
     "name": "Newfoundland and Labrador",
     "gross": 208125,
     "net": 132739.64,
     "keptPct": 63.78,
     "rank": 60
    },
    {
     "code": "PE",
     "country": "CA",
     "name": "Prince Edward Island",
     "gross": 208125,
     "net": 130029.33,
     "keptPct": 62.48,
     "rank": 62
    },
    {
     "code": "NS",
     "country": "CA",
     "name": "Nova Scotia",
     "gross": 208125,
     "net": 128369.48,
     "keptPct": 61.68,
     "rank": 63
    },
    {
     "code": "QC",
     "country": "CA",
     "name": "Quebec",
     "gross": 208125,
     "net": 127686.2,
     "keptPct": 61.35,
     "rank": 64
    }
   ]
  }
 ],
 "medians": {
  "note": "Ranked within each country only: the two sources measure different things.",
  "CA": {
   "source": "Statistics Canada Table 14-10-0064-01, 2025: median hourly wage of full-time employees, all industries, × 2,080 hours, rounded to $100. Provinces only (no territorial series).",
   "rows": [
    {
     "code": "BC",
     "country": "CA",
     "name": "British Columbia",
     "gross": 72800,
     "net": 56227.01,
     "keptPct": 77.23,
     "rank": 1
    },
    {
     "code": "AB",
     "country": "CA",
     "name": "Alberta",
     "gross": 72700,
     "net": 55860.69,
     "keptPct": 76.84,
     "rank": 2
    },
    {
     "code": "NB",
     "country": "CA",
     "name": "New Brunswick",
     "gross": 60000,
     "net": 46047.62,
     "keptPct": 76.75,
     "rank": 2
    },
    {
     "code": "ON",
     "country": "CA",
     "name": "Ontario",
     "gross": 72000,
     "net": 55099.06,
     "keptPct": 76.53,
     "rank": 4
    },
    {
     "code": "MB",
     "country": "CA",
     "name": "Manitoba",
     "gross": 59800,
     "net": 45650.14,
     "keptPct": 76.34,
     "rank": 5
    },
    {
     "code": "SK",
     "country": "CA",
     "name": "Saskatchewan",
     "gross": 65000,
     "net": 49587.68,
     "keptPct": 76.29,
     "rank": 5
    },
    {
     "code": "PE",
     "country": "CA",
     "name": "Prince Edward Island",
     "gross": 58700,
     "net": 44637.86,
     "keptPct": 76.04,
     "rank": 7
    },
    {
     "code": "NL",
     "country": "CA",
     "name": "Newfoundland and Labrador",
     "gross": 62500,
     "net": 47244.38,
     "keptPct": 75.59,
     "rank": 8
    },
    {
     "code": "NS",
     "country": "CA",
     "name": "Nova Scotia",
     "gross": 62000,
     "net": 45902.82,
     "keptPct": 74.04,
     "rank": 9
    },
    {
     "code": "QC",
     "country": "CA",
     "name": "Quebec",
     "gross": 68600,
     "net": 50233.59,
     "keptPct": 73.23,
     "rank": 10
    }
   ]
  },
  "US": {
   "source": "BLS OEWS May 2025, all occupations: median annual wage (hourly × 2,080).",
   "rows": [
    {
     "code": "SD",
     "country": "US",
     "name": "South Dakota",
     "gross": 47080,
     "net": 40008.78,
     "keptPct": 84.98,
     "rank": 1
    },
    {
     "code": "TN",
     "country": "US",
     "name": "Tennessee",
     "gross": 47380,
     "net": 40249.83,
     "keptPct": 84.95,
     "rank": 1
    },
    {
     "code": "NV",
     "country": "US",
     "name": "Nevada",
     "gross": 47660,
     "net": 40474.81,
     "keptPct": 84.92,
     "rank": 3
    },
    {
     "code": "FL",
     "country": "US",
     "name": "Florida",
     "gross": 47880,
     "net": 40651.58,
     "keptPct": 84.9,
     "rank": 3
    },
    {
     "code": "TX",
     "country": "US",
     "name": "Texas",
     "gross": 48620,
     "net": 41246.17,
     "keptPct": 84.83,
     "rank": 5
    },
    {
     "code": "WY",
     "country": "US",
     "name": "Wyoming",
     "gross": 50270,
     "net": 42571.95,
     "keptPct": 84.69,
     "rank": 6
    },
    {
     "code": "ND",
     "country": "US",
     "name": "North Dakota",
     "gross": 52480,
     "net": 44347.68,
     "keptPct": 84.5,
     "rank": 7
    },
    {
     "code": "NH",
     "country": "US",
     "name": "New Hampshire",
     "gross": 55880,
     "net": 47079.58,
     "keptPct": 84.25,
     "rank": 8
    },
    {
     "code": "MS",
     "country": "US",
     "name": "Mississippi",
     "gross": 40120,
     "net": 33543.62,
     "keptPct": 83.61,
     "rank": 9
    },
    {
     "code": "OH",
     "country": "US",
     "name": "Ohio",
     "gross": 49380,
     "net": 41274.38,
     "keptPct": 83.59,
     "rank": 9
    },
    {
     "code": "SC",
     "country": "US",
     "name": "South Carolina",
     "gross": 46490,
     "net": 38860.09,
     "keptPct": 83.59,
     "rank": 9
    },
    {
     "code": "AK",
     "country": "US",
     "name": "Alaska",
     "gross": 61000,
     "net": 50922.5,
     "keptPct": 83.48,
     "rank": 12
    },
    {
     "code": "AZ",
     "country": "US",
     "name": "Arizona",
     "gross": 50060,
     "net": 41554.21,
     "keptPct": 83.01,
     "rank": 13
    },
    {
     "code": "LA",
     "country": "US",
     "name": "Louisiana",
     "gross": 45520,
     "net": 37775.97,
     "keptPct": 82.99,
     "rank": 13
    },
    {
     "code": "AR",
     "country": "US",
     "name": "Arkansas",
     "gross": 43630,
     "net": 36109.95,
     "keptPct": 82.76,
     "rank": 15
    },
    {
     "code": "NM",
     "country": "US",
     "name": "New Mexico",
     "gross": 47210,
     "net": 39050.51,
     "keptPct": 82.72,
     "rank": 16
    },
    {
     "code": "WA",
     "country": "US",
     "name": "Washington",
     "gross": 62990,
     "net": 51918.69,
     "keptPct": 82.42,
     "rank": 17
    },
    {
     "code": "WV",
     "country": "US",
     "name": "West Virginia",
     "gross": 45300,
     "net": 37332.79,
     "keptPct": 82.41,
     "rank": 17
    },
    {
     "code": "IA",
     "country": "US",
     "name": "Iowa",
     "gross": 48540,
     "net": 39989.17,
     "keptPct": 82.38,
     "rank": 17
    },
    {
     "code": "MO",
     "country": "US",
     "name": "Missouri",
     "gross": 47800,
     "net": 39278.03,
     "keptPct": 82.17,
     "rank": 20
    },
    {
     "code": "NE",
     "country": "US",
     "name": "Nebraska",
     "gross": 48980,
     "net": 40186.38,
     "keptPct": 82.05,
     "rank": 21
    },
    {
     "code": "IN",
     "country": "US",
     "name": "Indiana",
     "gross": 47860,
     "net": 39253.14,
     "keptPct": 82.02,
     "rank": 22
    },
    {
     "code": "NC",
     "country": "US",
     "name": "North Carolina",
     "gross": 47970,
     "net": 39318.62,
     "keptPct": 81.97,
     "rank": 22
    },
    {
     "code": "OK",
     "country": "US",
     "name": "Oklahoma",
     "gross": 45600,
     "net": 37313.1,
     "keptPct": 81.83,
     "rank": 24
    },
    {
     "code": "KY",
     "country": "US",
     "name": "Kentucky",
     "gross": 46920,
     "net": 38355.62,
     "keptPct": 81.75,
     "rank": 24
    },
    {
     "code": "MT",
     "country": "US",
     "name": "Montana",
     "gross": 48740,
     "net": 39808.51,
     "keptPct": 81.68,
     "rank": 26
    },
    {
     "code": "PA",
     "country": "US",
     "name": "Pennsylvania",
     "gross": 49690,
     "net": 40545.65,
     "keptPct": 81.6,
     "rank": 27
    },
    {
     "code": "VT",
     "country": "US",
     "name": "Vermont",
     "gross": 56390,
     "net": 45975.45,
     "keptPct": 81.53,
     "rank": 28
    },
    {
     "code": "WI",
     "country": "US",
     "name": "Wisconsin",
     "gross": 50270,
     "net": 40981.9,
     "keptPct": 81.52,
     "rank": 28
    },
    {
     "code": "GA",
     "country": "US",
     "name": "Georgia",
     "gross": 48170,
     "net": 39229.41,
     "keptPct": 81.44,
     "rank": 30
    },
    {
     "code": "ID",
     "country": "US",
     "name": "Idaho",
     "gross": 47970,
     "net": 39034.79,
     "keptPct": 81.37,
     "rank": 30
    },
    {
     "code": "UT",
     "country": "US",
     "name": "Utah",
     "gross": 50110,
     "net": 40771.11,
     "keptPct": 81.36,
     "rank": 30
    },
    {
     "code": "MI",
     "country": "US",
     "name": "Michigan",
     "gross": 49270,
     "net": 39925.22,
     "keptPct": 81.03,
     "rank": 33
    },
    {
     "code": "AL",
     "country": "US",
     "name": "Alabama",
     "gross": 45670,
     "net": 36997.37,
     "keptPct": 81.01,
     "rank": 33
    },
    {
     "code": "KS",
     "country": "US",
     "name": "Kansas",
     "gross": 48010,
     "net": 38876.76,
     "keptPct": 80.98,
     "rank": 33
    },
    {
     "code": "ME",
     "country": "US",
     "name": "Maine",
     "gross": 51430,
     "net": 41453.13,
     "keptPct": 80.6,
     "rank": 36
    },
    {
     "code": "NJ",
     "country": "US",
     "name": "New Jersey",
     "gross": 58570,
     "net": 47116.36,
     "keptPct": 80.44,
     "rank": 37
    },
    {
     "code": "RI",
     "country": "US",
     "name": "Rhode Island",
     "gross": 56780,
     "net": 45665.78,
     "keptPct": 80.43,
     "rank": 37
    },
    {
     "code": "CO",
     "country": "US",
     "name": "Colorado",
     "gross": 59800,
     "net": 48043.38,
     "keptPct": 80.34,
     "rank": 39
    },
    {
     "code": "CA",
     "country": "US",
     "name": "California",
     "gross": 58240,
     "net": 46684.79,
     "keptPct": 80.16,
     "rank": 40
    },
    {
     "code": "VA",
     "country": "US",
     "name": "Virginia",
     "gross": 55690,
     "net": 44538.84,
     "keptPct": 79.98,
     "rank": 41
    },
    {
     "code": "DE",
     "country": "US",
     "name": "Delaware",
     "gross": 52190,
     "net": 41686.24,
     "keptPct": 79.87,
     "rank": 42
    },
    {
     "code": "IL",
     "country": "US",
     "name": "Illinois",
     "gross": 51960,
     "net": 41502.63,
     "keptPct": 79.87,
     "rank": 42
    },
    {
     "code": "MD",
     "country": "US",
     "name": "Maryland",
     "gross": 59510,
     "net": 47533.19,
     "keptPct": 79.87,
     "rank": 42
    },
    {
     "code": "HI",
     "country": "US",
     "name": "Hawaii",
     "gross": 56320,
     "net": 44953.25,
     "keptPct": 79.82,
     "rank": 45
    },
    {
     "code": "MN",
     "country": "US",
     "name": "Minnesota",
     "gross": 56920,
     "net": 45317.61,
     "keptPct": 79.62,
     "rank": 46
    },
    {
     "code": "CT",
     "country": "US",
     "name": "Connecticut",
     "gross": 59690,
     "net": 47284.52,
     "keptPct": 79.22,
     "rank": 47
    },
    {
     "code": "NY",
     "country": "US",
     "name": "New York",
     "gross": 59670,
     "net": 47210.69,
     "keptPct": 79.12,
     "rank": 48
    },
    {
     "code": "MA",
     "country": "US",
     "name": "Massachusetts",
     "gross": 63590,
     "net": 50022.55,
     "keptPct": 78.66,
     "rank": 49
    },
    {
     "code": "OR",
     "country": "US",
     "name": "Oregon",
     "gross": 57000,
     "net": 43837.38,
     "keptPct": 76.91,
     "rank": 50
    },
    {
     "code": "DC",
     "country": "US",
     "name": "District of Columbia",
     "gross": 91540,
     "net": 68415.99,
     "keptPct": 74.74,
     "rank": 51
    }
   ]
  }
 },
 "scopeNotes": {
  "DE": [
   "Delaware Paid Leave is modelled at the full-coverage employee maximum (0.4%); employers with 10–24 staff withhold at most 0.16% and those under 10 nothing"
  ],
  "HI": [
   "Hawaii TDI (an employee-side deduction of up to 0.5% of weekly wages, capped) is NOT modelled: it is a private-insurance mandate under HRS ch. 392 and the employer may pay all of it or split it — the deduction is an employer choice with no statutory default, unlike the state-run funds above",
   "the deduction rises again in 2028, 2030 and 2031 and the brackets in 2027 and 2029 — re-check each January"
  ],
  "ME": [
   "Maine Paid Family & Medical Leave is modelled at the 0.5% employee maximum; an employer may absorb part or all of it"
  ],
  "MD": [
   "all 24 county/city rates ARE modelled, opt-in via the city/county selector; without a selection, Maryland take-home is overstated by 2.25%–3.30% of taxable income"
  ],
  "MI": [
   "Detroit's city income tax is modelled; the 23 other Michigan cities with an income tax are not"
  ],
  "MN": [
   "Minnesota Paid Leave is modelled at the 0.44% employee maximum; an employer may choose to absorb part or all of it"
  ],
  "MO": [
   "Kansas City and St. Louis earnings taxes are modelled for residents; non-residents working in either city are not"
  ],
  "NH": [
   "no tax on wages; the interest-and-dividends tax was repealed and never applied to wage income"
  ],
  "NY": [
   "NYC and Yonkers resident taxes ARE modelled, opt-in via the city/county selector; without a selection, city residents are overstated"
  ],
  "OH": [
   "Ohio has roughly 600 taxing municipalities; the 17 largest are modelled and the rest are not — select a city to include it"
  ],
  "OR": [
   "Portland-area taxes not included: Multnomah County Preschool for All (1.5% of county taxable income above $125,000 single / $200,000 joint, another 1.5% above $250,000 / $400,000) and Metro Supportive Housing (1%, thresholds inflation-indexed from 2026), per portland.gov/revenue; TriMet and Lane transit taxes are paid by employers, not withheld",
   "Workers' Benefit Fund assessment not included: 0.9 cents per hour worked withheld from the employee in 2026 (DCBS, OAR 436-070), about $19 a year full-time; it is charged per hour, not on salary"
  ],
  "PA": [
   "Philadelphia wage tax IS modelled (opt-in); other PA municipal earned income taxes (commonly ~1%) are not",
   "HSA and cafeteria-plan treatment follows federal here; confirm against PA DOR before relying on it"
  ],
  "VT": [
   "Child Care Contribution is modelled at the 0.11% employee maximum; an employer may pay all of it"
  ],
  "WA": [
   "Washington taxes capital gains at 7%/9% but levies no tax on wage income",
   "Workers' compensation employee share not included: L&I withholds part of the premium per hour worked, at a rate set by industry risk class"
  ]
 }
}
