This Michigan paycheck calculator estimates your 2026 take-home pay after federal income tax, Social Security, Medicare, Michigan’s flat 4.25% income tax and, if you live or work in one, a Michigan city income tax.
Michigan income tax in 2026
| Item | 2026 amount |
|---|---|
| Tax rate | 4.25% flat |
| Personal exemption | $5,900 each for you, your spouse and each dependent (up from $5,800) |
| Detroit city income tax | 2.4% for residents, 1.2% for non-residents working in Detroit |
| Other city income taxes | About 1% for residents and 0.5% for non-residents in roughly two dozen cities, including Grand Rapids and Lansing |
2026 federal taxes on every paycheck
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 | $17,701 – $67,450 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 | $67,451 – $105,700 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 | $105,701 – $201,750 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 | $201,751 – $256,200 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 | $256,201 – $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
The 2026 federal standard deduction is $16,100 single, $32,200 married filing jointly and $24,150 head of household. Social Security is 6.2% of wages up to $184,500, and Medicare is 1.45% of all wages plus 0.9% on wages over $200,000.
Worked example
A single employee earning $75,000, paid every two weeks, with 5% going to a 401(k) and $2,400 a year in pre-tax health premiums in Michigan takes home about $2,088.60 per paycheck, or $54,304 a year (using the local rate shown in the calculator).
Which Michigan cities have an income tax?
About 24 Michigan cities tax wages, including Detroit, Grand Rapids, Lansing, Flint, Saginaw and Pontiac. If you live in one and work in another, you may pay the resident rate to your home city and the non-resident rate to your work city, with credits in some cases. Enter the rate that applies to you, or 0 if neither city taxes income.
How to raise your take-home pay
- Check your federal Form W-4 and Michigan withholding form so you are not over-withheld.
- Use pre-tax benefits such as a health savings account (HSA) or flexible spending account.
- Remember that 401(k) contributions lower your paycheck today but also lower your taxable income.
Frequently asked questions
What is the Michigan income tax rate for 2026?
4.25% flat on taxable income after exemptions.
How much is the Michigan personal exemption in 2026?
$5,900 for you, your spouse if filing jointly and each dependent.
Does Detroit have a city income tax?
Yes: 2.4% for residents and 1.2% for non-residents who work in Detroit.
How do I change my withholding?
Give your employer a new federal Form W-4 and, if needed, a new Michigan withholding certificate. The IRS Tax Withholding Estimator can help you choose the right entries.
Related calculators
Sources
- Michigan Treasury: 2026 withholding rate and exemption
- Michigan Treasury: City income tax
- IRS Revenue Procedure 2025-32 (2026 federal brackets)
Last reviewed: October 2026. For information only; not financial, tax or legal advice. Results are estimates.