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Understanding Your North Dakota Paycheck
This North Dakota Paycheck Calculator helps you estimate your take-home pay after accounting for federal taxes, North Dakota state taxes, and various deductions. Use this tool to better understand how your gross income translates to actual money in your pocket.
North Dakota State Income Tax Information
North Dakota has a progressive income tax system with five tax brackets for individuals, with rates that are generally lower than the national average:
| Taxable Income | Tax Rate |
|---|---|
| $0 – $44,725 | 1.10% |
| $44,726 – $107,650 | 2.04% |
| $107,651 – $174,050 | 2.27% |
| $174,051 – $231,250 | 2.64% |
| $231,251+ | 2.90% |
These rates apply to single filers for tax year 2025. North Dakota’s income tax is based on your federal taxable income, with a few modifications for state-specific credits and deductions.
Federal Income Tax
The calculator also accounts for federal income taxes, which are calculated based on your filing status and taxable income after deductions. Federal tax brackets are adjusted annually for inflation.
FICA Taxes
- Social Security Tax: 6.2% of gross wages up to the wage base limit ($168,600 for 2025).
- Medicare Tax: 1.45% on all gross wages, with an additional 0.9% applied to income over $200,000 for single filers ($250,000 for married filing jointly).
Pre-Tax Deductions
Pre-tax deductions reduce your taxable income, potentially lowering your overall tax burden. Examples include:
- 401(k) Contributions: Up to $23,000 annually (or $30,500 if age 50+ in 2025).
- Health Insurance Premiums: Usually deducted pre-tax if provided by your employer.
- Health Savings Account (HSA): Pre-tax contributions allowed up to $4,150 for individuals and $8,300 for families in 2025.
- Flexible Spending Account (FSA): Healthcare FSA contributions up to $3,200 (2025).
North Dakota–Specific Deductions and Credits
North Dakota provides several deductions and tax credits that may benefit eligible taxpayers:
- Marriage Penalty Credit
- Credit for Taxes Paid to Other States
- Long-Term Care Insurance Credit
- Property Tax Credit for Disabled or Senior Citizens
- Earned Income Tax Credit (EITC) (based on federal eligibility)
Disclaimer
This calculator provides estimates based on current tax laws and standard deductions. Your actual paycheck may vary depending on specific factors such as additional income, local tax withholdings, or unique deductions. For personalized tax planning, consult with a qualified tax professional.
The information provided is current as of May 2025 and may change based on updates to federal or North Dakota state tax laws.