South Dakota Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free South Dakota Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as a SD paycheck calculator by computing Federal withholding and FICA taxes. Since South Dakota has 0% state income tax, your South Dakota take-home pay is significantly higher than in many other states, making it one of the most tax-friendly places to work.
- State Income Tax: 0.00% (None)
- Federal Tax: 10% – 37% (Based on brackets)
- Social Security: 6.2%
- Medicare: 1.45%
How the South Dakota Paycheck Calculator Works
Our South Dakota gross to net calculator uses a simplified formula because there is no state-level withholding. We take your gross salary and subtract:
- Federal Withholding: Based on your filing status (Single, Married, etc.).
- FICA Taxes: Mandatory federal contributions for Social Security (6.2%) and Medicare (1.45%).
- Optional Deductions: Items like health insurance or 401(k) contributions if you enter them.
South Dakota State Income Tax (0%)
South Dakota is one of the few states in the U.S. that does not levy a personal income tax on wages. This makes the South Dakota income tax calculator essentially a federal tax calculator. Residents keep a larger portion of their earnings, which is a major advantage for living in cities like Sioux Falls or Rapid City.
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
Even though South Dakota takes $0, the IRS still requires federal tax payments. This is a progressive tax ranging from 10% to 37% depending on your taxable income.
Social Security & Medicare (FICA)
Every South Dakota paystub calculator must account for FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
South Dakota Paycheck After Taxes for $55,000 Salary
If you are a single filer in Sioux Falls earning $55,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $4,841 |
| FICA (7.65%) | $4,208 |
| State Tax (0%) | $0 |
| Estimated Take-Home Pay | $45,951 |
Minimum Wage & Cost of Living
South Dakota has a minimum wage adjusted annually for inflation ($11.50+ per hour in 2026). The cost of living is generally lower than the national average, especially regarding housing and utilities.
How to Increase Your Take-Home Pay
To maximize your SD salary calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts can also lower your federal tax liability.
FAQs – South Dakota Paycheck Calculator
Does South Dakota have state income tax?
No. South Dakota has 0% state income tax on wages.
What is taken out of my paycheck in South Dakota?
The primary deductions are Federal Income Tax and FICA taxes (Social Security & Medicare). You may also see deductions for benefits like health insurance or retirement plans.
Does South Dakota tax overtime pay?
Overtime pay is taxed federally as regular income, but since South Dakota has no state income tax, there is no additional state tax on overtime earnings.