Connecticut Paycheck Calculator
Calculate your take-home pay after federal, Connecticut state, and PFML taxes. CT uses 7 progressive brackets from 2% to 6.99% with a unique CT-W4 withholding code system. A personal tax credit may reduce your liability.
Connecticut Paycheck Calculator
2025 tax year · estimate
How Connecticut taxes your paycheck
Connecticut uses a progressive income tax with 7 brackets ranging from 2% to 6.99%. Instead of numbered allowances, CT uses letter-based withholding codes on the CT-W4 form to determine your exemption amount.
- Annualize your gross pay
- Subtract pre-tax deductions (401k, health insurance, HSA)
- Subtract the CT-W4 code-based exemption
- Apply the 7-bracket progressive tax
- Apply personal tax credit (if income under $100k)
- Divide by your number of pay periods
In addition to state income tax, Connecticut employees also pay:
- Federal income tax (10%–37%)
- Social Security (6.2% up to $176,100)
- Medicare (1.45% + 0.9% over $200k)
- CT PFML (0.5% of wages, employee-paid)
Connecticut tax brackets (2025)
Source: Connecticut Department of Revenue Services. Same brackets for all filing statuses; exemptions vary by CT-W4 code.
| Taxable Income | Rate | Tax Owed |
|---|---|---|
| $0 – $10,000 | 2.0% | $0 + 2% of amount over $0 |
| $10,001 – $50,000 | 4.5% | $200 + 4.5% of amount over $10,000 |
| $50,001 – $100,000 | 5.5% | $2,000 + 5.5% of amount over $50,000 |
| $100,001 – $200,000 | 6.0% | $4,750 + 6% of amount over $100,000 |
| $200,001 – $250,000 | 6.5% | $10,750 + 6.5% of amount over $200,000 |
| $250,001 – $500,000 | 6.9% | $14,000 + 6.9% of amount over $250,000 |
| Over $500,000 | 6.99% | $31,250 + 6.99% of amount over $500,000 |
Personal tax credit: Taxpayers with annual income under $100,000 receive approximately a 75% credit, effectively paying ~25% of the calculated bracket tax.
CT-W4 withholding codes explained
Select your code in the calculator above to apply the correct exemption
| Code | Filing Status | Exemption Amount | When to Use |
|---|---|---|---|
| A | No withholding | $0 | You expect no CT tax liability |
| B | Married Filing Jointly | $24,000 | Married with one or both spouses working |
| C | Single | $15,000 | Single or unmarried individuals (default) |
| D | Head of Household | $19,000 | Unmarried with a qualifying dependent |
| F | Married Filing Separately | $12,000 | Married but filing a separate return |
Connecticut Paid Family & Medical Leave
| Detail | Value |
|---|---|
| Total Rate | 0.5% of wages |
| Employee Share | 100% (fully employee-paid) |
| Wage Cap | None — all wages subject |
| Benefit Duration | Up to 12 weeks of paid leave |
Example: $3,000 biweekly paycheck in Connecticut
Scenario: CT-W4 Code C (Single, $15,000 exemption), $200 401(k), $150 health insurance
CT state: ($3,000 − $350) × 26 = $68,900 − $15,000 exemption = $53,900. Bracket tax ≈ $3,214.50. With 75% credit (under $100k) = $803.63/yr ÷ 26 ≈ $30.91/period. Amounts are estimates.
Who uses this calculator
Connecticut employees
Verify your paycheck accuracy including progressive state tax, personal tax credit, and PFML.
CT-W4 filers
Understand how your withholding code (A/B/C/D/F) affects your take-home pay.
Job seekers
Compare Connecticut's tax burden vs neighboring states like New York or Massachusetts.
Payroll admins
Cross-check CT progressive brackets, withholding code exemptions, and PFML deductions.
People relocating to CT
Understand the full tax picture — 7 brackets, CT-W4 codes, PFML, and no local taxes.
NYC commuters
If you live in CT and work in NY, compare your CT tax obligation with NY withholding.
Frequently asked questions
How is Connecticut state income tax calculated?
Connecticut uses a progressive system with 7 brackets ranging from 2% to 6.99%. Your employer annualizes your wages, subtracts the exemption amount based on your CT-W4 withholding code, applies the progressive brackets, and divides by your pay periods. A personal tax credit may also apply for lower incomes.
What are CT-W4 withholding codes?
Connecticut uses letter codes (A, B, C, D, F) instead of numbered allowances. Each code corresponds to a fixed exemption: A = $0 (no withholding exemption), B = $24,000 (Married Filing Jointly), C = $15,000 (Single), D = $19,000 (Head of Household), F = $12,000 (Married Filing Separately).
What is the Connecticut personal tax credit?
CT provides a personal tax credit that reduces your tax liability. For this calculator, we apply a simplified 75% credit for taxpayers with annual income under $100,000, meaning they pay approximately 25% of the calculated bracket tax. The full credit calculation involves phase-outs and is more complex.
What is CT PFML?
Connecticut Paid Family and Medical Leave is a state-run insurance program. Employees pay 0.5% of their gross wages — fully employee-paid with no employer contribution. There is no wage cap. Benefits provide up to 12 weeks of paid leave.
Is 401(k) pre-tax for Connecticut state income tax?
Yes. 401(k) contributions are pre-tax for both federal and Connecticut state income tax, reducing your taxable income for both calculations.
Does Connecticut have local income taxes?
No. Connecticut does not have municipal or local income taxes. Only the state income tax, PFML, and federal taxes apply to your paycheck.
How does Connecticut compare to neighboring states?
Connecticut's top rate (6.99%) is among the highest in the Northeast. New York ranges 4%–10.9%. Massachusetts is flat at 5%. Rhode Island ranges 3.75%–5.99%. New Jersey ranges 1.4%–10.75%. However, CT has no local income taxes, which some neighbors do.
How accurate is this calculator?
This calculator provides a close estimate based on 2025 Connecticut tax rates and standard withholding formulas. The personal tax credit is simplified for this tool. Your actual paycheck may vary based on your employer's payroll system and CT-W4 elections.