Hawaii Income Tax Calculator 2026
See your Hawaii state tax, effective rate, and take-home pay in 60 seconds.
Estimate only. Uses 2026 federal figures, Hawaiistate figures (see sources below), and a standard-deduction federal calculation. Filing status “Head of household” uses the single column for Hawaii. Your actual tax depends on credits, additional income, and adjustments.
Worked example: A single filer earning $85,000 in Hawaii
Start with $85,000 of wages. running it up Hawaii's brackets produces about $6,266 in state income tax — an effective state rate near 7.4%, with a 8.25% marginal rate. Federal income tax and FICA are calculated separately and shown in the calculator above.
Assumes a single filer taking the standard treatment. Figures are educational estimates.
How Hawaii taxes income
Hawaii uses a graduated income tax: your income is taxed in slices, with each slice taxed at a higher rate as you move up the brackets from 1.4% to 11%.
Hawaii generally starts from your federal income, applies state-specific adjustments and deductions, and then runs the result up the brackets. Credits and exemptions can change the final number — confirm the current details with the Hawaii Department of Taxation.
2026 rate structure
| Rate | Single — taxable income up to | MFJ — taxable income up to |
|---|---|---|
| 1.40% | $2,400 | $4,800 |
| 3.20% | $4,800 | $9,600 |
| 5.50% | $9,600 | $19,200 |
| 6.40% | $14,400 | $28,800 |
| 6.80% | $19,200 | $38,400 |
| 7.20% | $24,000 | $48,000 |
| 7.60% | $36,000 | $72,000 |
| 7.90% | $48,000 | $96,000 |
| 8.25% | $150,000 | $300,000 |
| 9.00% | $175,000 | $350,000 |
| 10.00% | $200,000 | $400,000 |
| 11.00% | and above | and above |
Retirement income & Social Security
Hawaii generally taxes retirement income such as 401(k), IRA, and pension distributions, though it may offer exclusions, deductions, or credits for certain pension or retirement income and for older taxpayers. Confirm the current exclusions with the Hawaii Department of Taxation.
Local taxes & reciprocity
Hawaii has no local or city income tax — only the state income tax applies to wages.
Reciprocity: Hawaii has no income tax reciprocity agreements. If you work across state lines, you generally file a non-resident return where you work and claim a credit to avoid double taxation.
Notable deductions, credits & other taxes
Deductions & credits
- Hawaii standard deduction and personal exemptions (verify current amounts with the Hawaii Department of Taxation)
- Credit for income taxes paid to other states (for residents with out-of-state income)
- State versions of common credits — earned income, child/dependent care, and education credits — where offered
Capital gains: Hawaii has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at Hawaii's graduated rates.
Property tax: Property taxes in Hawaii are assessed and collected locally, so effective rates vary widely by county and municipality. Check your county assessor or the Hawaii Department of Taxation for local rates.
Hawaii vs. neighboring states
Hawaii has no bordering states, so cross-border tax comparisons are less relevant than for the contiguous states. Compare it against the national picture using the state hub.
Hawaii state tax FAQs
What is the Hawaii state income tax rate for 2026?
Hawaii uses graduated brackets ranging from 1.4% to 11%, with higher rates applying only to income above each threshold.
Does Hawaii tax retirement income or Social Security?
Social Security benefits are exempt from Hawaii income tax. For other retirement income, Hawaii generally taxes 401(k), IRA, and pension distributions, though exclusions may apply. Verify with the Hawaii Department of Taxation.
How are capital gains taxed in Hawaii?
Hawaii has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at Hawaii's graduated rates.
Is there a local or city income tax in Hawaii?
Hawaii has no local or city income tax — only the state income tax applies to wages.
Does Hawaii have tax reciprocity with neighboring states?
Hawaii has no income tax reciprocity agreements. If you work across state lines, you generally file a non-resident return where you work and claim a credit to avoid being taxed twice.
Sources & verification
Last verified June 12, 2026.