You can set up your household anywhere in the U.S. Sadie calculates federal payroll — Social Security, Medicare, federal unemployment, and optional federal withholding — the same way in every state, and now estimates state income tax withholding too, everywhere it applies. We've verified a minimum wage and a state unemployment new-employer rate for 51 of 51 jurisdictions. We don't pretend a missing number is “done.”
Set up your household in any of the 50 states, plus DC.
Gross pay, take-home, and overtime from the hours you enter.
Optional federal income tax withholding from the employee’s tax choices.
Employee and employer FICA, including the household wage threshold.
Calculated. You still deposit and file; we don’t send the money.
Download the actual IRS forms, filled in with your numbers, from Tax Center. You still sign, send, and file them.
We fill a 2026 line-by-line worksheet from your paydays. The official IRS form unlocks when they publish that year's revision; you still attach it to your 1040.
Sadie never moves money and does not file for you. We show the numbers and forms; you send and file.
Every state below has a verified minimum wage and a verified state unemployment new-employer rate, sourced from the state's own labor or workforce agency. Where a state levies its own income tax, Sadie now estimates withholding from that state's published tax brackets (Tax Foundation, as of January 1, 2025) — an estimate of that state's own official withholding formula, not a guarantee it matches exactly. Nine states have no wage income tax at all, so there's nothing to withhold there.
New-employer unemployment: 2.7% on the first $8,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Alabama graduated, up to 3 brackets (as of 2025-01-01) — an estimate, not Alabama's own withholding formula.
New-employer unemployment: 1% on the first $54,200 of wages — confirm your assigned rate once you have claims history. Minimum wage: $14.00/hr as of 2026-07-01.
New-employer unemployment: 2% on the first $8,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.15/hr as of 2026-01-01. State withholding: Arizona flat 2.5% (as of 2025-01-01) — an estimate, not Arizona's own withholding formula.
New-employer unemployment: 2% on the first $7,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $11.00/hr as of 2021-01-01. $11.00 applies to employers with 4 or more employees; smaller households may only need the federal $7.25 floor. State withholding: Arkansas graduated, up to 2 brackets (as of 2025-01-01) — an estimate, not Arkansas's own withholding formula.
New-employer unemployment: 3.4% on the first $7,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $16.90/hr as of 2026-01-01. State withholding: California graduated, up to 10 brackets (as of 2025-01-01) — an estimate, not California's own withholding formula.
New-employer unemployment: 3.05% on the first $30,600 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.16/hr as of 2026-01-01. State withholding: Colorado flat 4.4% (as of 2025-01-01) — an estimate, not Colorado's own withholding formula.
New-employer unemployment: 1.9% on the first $27,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $16.94/hr as of 2026-01-01. State withholding: Connecticut graduated, up to 7 brackets (as of 2025-01-01) — an estimate, not Connecticut's own withholding formula.
New-employer unemployment: 1.2% on the first $14,500 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.00/hr as of 2025-01-01. State withholding: Delaware graduated, up to 7 brackets (as of 2025-01-01) — an estimate, not Delaware's own withholding formula.
New-employer unemployment: 2.9% on the first $9,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $18.40/hr as of 2026-07-01. State withholding: Washington DC graduated, up to 7 brackets (as of 2025-01-01) — an estimate, not District of Columbia's own withholding formula.
New-employer unemployment: 2.7% on the first $7,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $14.00/hr as of 2025-09-30. Rises to $15.00 on September 30, 2026.
New-employer unemployment: 2.7% on the first $9,500 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Georgia flat 5.39% (as of 2025-01-01) — an estimate, not Georgia's own withholding formula.
New-employer unemployment: 2.41% on the first $64,500 of wages — confirm your assigned rate once you have claims history. Minimum wage: $16.00/hr as of 2026-01-01. State withholding: Hawaii graduated, up to 12 brackets (as of 2025-01-01) — an estimate, not Hawaii's own withholding formula.
New-employer unemployment: 1% on the first $58,300 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Idaho flat 5.695% (as of 2025-01-01) — an estimate, not Idaho's own withholding formula.
New-employer unemployment: 3.35% on the first $14,250 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.00/hr as of 2025-01-01. State withholding: Illinois flat 4.95% (as of 2025-01-01) — an estimate, not Illinois's own withholding formula.
New-employer unemployment: 2.5% on the first $9,500 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Indiana flat 3% (as of 2025-01-01) — an estimate, not Indiana's own withholding formula.
New-employer unemployment: 1% on the first $20,400 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Iowa flat 3.8% (as of 2025-01-01) — an estimate, not Iowa's own withholding formula.
New-employer unemployment: 1.75% on the first $15,100 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Kansas graduated, up to 2 brackets (as of 2025-01-01) — an estimate, not Kansas's own withholding formula.
New-employer unemployment: 2.7% on the first $12,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Kentucky flat 4% (as of 2025-01-01) — an estimate, not Kentucky's own withholding formula.
New-employer unemployment: 1% on the first $7,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Louisiana flat 3% (as of 2025-01-01) — an estimate, not Louisiana's own withholding formula.
New-employer unemployment: 2.54% on the first $12,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.10/hr as of 2026-01-01. State withholding: Maine graduated, up to 3 brackets (as of 2025-01-01) — an estimate, not Maine's own withholding formula.
New-employer unemployment: 2.6% on the first $8,500 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.00/hr as of 2024-01-01. State withholding: Maryland graduated, up to 8 brackets (as of 2025-01-01) — an estimate, not Maryland's own withholding formula.
New-employer unemployment: 2.42% on the first $15,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.00/hr as of 2023-01-01. State withholding: Massachusetts graduated, up to 2 brackets (as of 2025-01-01) — an estimate, not Massachusetts's own withholding formula.
New-employer unemployment: 2.7% on the first $9,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $13.73/hr as of 2026-01-01. State withholding: Michigan flat 4.25% (as of 2025-01-01) — an estimate, not Michigan's own withholding formula.
New-employer unemployment: 1.596% on the first $44,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $11.41/hr as of 2026-01-01. State withholding: Minnesota graduated, up to 4 brackets (as of 2025-01-01) — an estimate, not Minnesota's own withholding formula.
New-employer unemployment: 1% on the first $14,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Mississippi graduated, up to 2 brackets (as of 2025-01-01) — an estimate, not Mississippi's own withholding formula.
New-employer unemployment: 2.376% on the first $9,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.00/hr as of 2026-01-01. State withholding: Missouri graduated, up to 8 brackets (as of 2025-01-01) — an estimate, not Missouri's own withholding formula.
New-employer unemployment: 1.28% on the first $47,300 of wages — confirm your assigned rate once you have claims history. Minimum wage: $10.85/hr as of 2026-01-01. State withholding: Montana graduated, up to 2 brackets (as of 2025-01-01) — an estimate, not Montana's own withholding formula.
New-employer unemployment: 1.25% on the first $9,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.00/hr as of 2026-01-01. State withholding: Nebraska graduated, up to 4 brackets (as of 2025-01-01) — an estimate, not Nebraska's own withholding formula.
New-employer unemployment: 3% on the first $43,700 of wages — confirm your assigned rate once you have claims history. Minimum wage: $12.00/hr as of 2024-07-01.
New-employer unemployment: 1.7% on the first $14,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01.
New-employer unemployment: 2.8% on the first $44,800 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.92/hr as of 2026-01-01. Most employers. Small employers (fewer than 6 employees) and seasonal work use $15.23. State withholding: New Jersey graduated, up to 8 brackets (as of 2025-01-01) — an estimate, not New Jersey's own withholding formula.
New-employer unemployment: 1% on the first $34,800 of wages — confirm your assigned rate once you have claims history. Minimum wage: $12.00/hr as of 2023-01-01. State withholding: New Mexico graduated, up to 6 brackets (as of 2025-01-01) — an estimate, not New Mexico's own withholding formula.
New-employer unemployment: 4.1% on the first $17,600 of wages — confirm your assigned rate once you have claims history. Minimum wage: $17.00/hr as of 2026-01-01. NYC, Long Island, and Westchester; the rest of the state is $16.00. State withholding: New York graduated, up to 9 brackets (as of 2025-01-01) — an estimate, not New York's own withholding formula.
New-employer unemployment: 1% on the first $34,200 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: North Carolina flat 4.25% (as of 2025-01-01) — an estimate, not North Carolina's own withholding formula.
New-employer unemployment: 1% on the first $46,600 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: North Dakota graduated, up to 3 brackets (as of 2025-01-01) — an estimate, not North Dakota's own withholding formula.
New-employer unemployment: 2.85% on the first $9,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $11.00/hr as of 2026-01-01. Employers with annual gross receipts under $405,000 use the federal $7.25 rate. State withholding: Ohio graduated, up to 3 brackets (as of 2025-01-01) — an estimate, not Ohio's own withholding formula.
New-employer unemployment: 1.5% on the first $25,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Oklahoma graduated, up to 6 brackets (as of 2025-01-01) — an estimate, not Oklahoma's own withholding formula.
New-employer unemployment: 2.4% on the first $56,700 of wages — confirm your assigned rate once you have claims history. Minimum wage: $15.55/hr as of 2026-07-01. Standard statewide rate. Portland metro is $16.80; nonurban counties are $14.55. State withholding: Oregon graduated, up to 4 brackets (as of 2025-01-01) — an estimate, not Oregon's own withholding formula.
New-employer unemployment: 3.822% on the first $10,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Pennsylvania flat 3.07% (as of 2025-01-01) — an estimate, not Pennsylvania's own withholding formula.
New-employer unemployment: 1.21% on the first $30,800 of wages — confirm your assigned rate once you have claims history. Minimum wage: $16.00/hr as of 2026-01-01. State withholding: Rhode Island graduated, up to 3 brackets (as of 2025-01-01) — an estimate, not Rhode Island's own withholding formula.
New-employer unemployment: 1.06% on the first $14,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: South Carolina graduated, up to 3 brackets (as of 2025-01-01) — an estimate, not South Carolina's own withholding formula.
New-employer unemployment: 1.75% on the first $15,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $11.85/hr as of 2026-01-01.
New-employer unemployment: 2.7% on the first $7,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01.
New-employer unemployment: 2.7% on the first $9,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01.
New-employer unemployment: 1.2% on the first $50,700 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Utah flat 4.55% (as of 2025-01-01) — an estimate, not Utah's own withholding formula.
New-employer unemployment: 1% on the first $15,400 of wages — confirm your assigned rate once you have claims history. Minimum wage: $14.42/hr as of 2026-01-01. State withholding: Vermont graduated, up to 4 brackets (as of 2025-01-01) — an estimate, not Vermont's own withholding formula.
New-employer unemployment: 2.5% on the first $8,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $12.77/hr as of 2026-01-01. State withholding: Virginia graduated, up to 4 brackets (as of 2025-01-01) — an estimate, not Virginia's own withholding formula.
New-employer unemployment: 1% on the first $78,200 of wages — confirm your assigned rate once you have claims history. Minimum wage: $17.13/hr as of 2026-01-01.
New-employer unemployment: 2.7% on the first $9,500 of wages — confirm your assigned rate once you have claims history. Minimum wage: $8.75/hr as of 2016-01-01. Applies to employers with 6 or more employees at one location; otherwise the federal $7.25 floor applies. State withholding: West Virginia graduated, up to 5 brackets (as of 2025-01-01) — an estimate, not West Virginia's own withholding formula.
New-employer unemployment: 3.05% on the first $14,000 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01. State withholding: Wisconsin graduated, up to 4 brackets (as of 2025-01-01) — an estimate, not Wisconsin's own withholding formula.
New-employer unemployment: 1.1% on the first $33,800 of wages — confirm your assigned rate once you have claims history. Minimum wage: $7.25/hr as of 2026-01-01.
This is product coverage, not a legal determination. Unemployment rates shown are the standard new-employer rate — once you have claims history, your state will assign an experience rate, so confirm your actual rate with your state unemployment agency. See the free calculator for an estimate wherever you are.
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