Connecticut Example: $95,000 Married Filing Jointly
| Line on the pay stub | Monthly | Annual |
|---|---|---|
| Gross pay | $7,916.67 | $95,000 |
| Federal income tax | −$586.67 | −$7,040 |
| Social Security | −$490.83 | −$5,890 |
| Medicare | −$114.79 | −$1,377.50 |
| Connecticut income tax | −$283.13 | −$3,397.50 |
| CT Paid Leave (0.5%) | −$39.58 | −$475 |
| Net pay | $6,401.67 | $76,820 |
How the state line of $3,397.50 is reached:
- The $24,000 joint exemption is gone above $71,000 of income, so all $95,000 is taxable.
- The joint rate table gives $3,775: 2% on the first $20,000 and 4.5% on the remaining $75,000.
- No phase out add back applies yet; for joint filers it starts above $100,500.
- The personal tax credit is 10% at this income, which cuts the tax by a tenth.
CT Paid Leave takes $475.
Connecticut Income Tax Rates
The rates have been fixed in statute since the 2024 cut that lowered the bottom two rates to 2% and 4.5%. They are not indexed for inflation.
| Rate | Single: taxable income up to | Married jointly: up to |
|---|---|---|
| 2% | $10,000 | $20,000 |
| 4.5% | $50,000 | $100,000 |
| 5.5% | $100,000 | $200,000 |
| 6% | $200,000 | $400,000 |
| 6.5% | $250,000 | $500,000 |
| 6.9% | $500,000 | $1,000,000 |
| 6.99% | and above | and above |
- Personal exemption: $15,000 single, falling by $1,000 for each $1,000 of income over $30,000; $24,000 joint, falling over $48,000.
- 2% rate phase out: the benefit of the 2% band is added back in steps from $56,500 (single) or $100,500 (joint).
- Recapture: higher earners repay the benefit of the lower rates from $105,000 (single) or $210,000 (joint).
The Personal Tax Credit for Lower Incomes
Connecticut gives a credit worth a percentage of the tax, from 75% at the lowest incomes down to nothing above $64,500 single or $100,500 joint.
A single worker on $48,000 gets a 10% credit and pays $1,719 in state tax. The same worker on $65,000 gets no credit, loses the exemption, starts the 2% phase out and pays $2,875.
CT Paid Leave: 0.5% of Wages
CT Paid Leave replaces wages during family or medical leave. Employees fund it alone: employers deduct 0.5% from each paycheck.
Contributions stop at the Social Security wage base of $184,500, so nobody pays more than $922.50 a year.
The deduction shows on pay stubs as CT PL or CTPL. It is taken after tax, so it does not lower the wages used for income tax.
Net Pay in Connecticut at Five Salaries
| Gross salary | CT income tax | Paid Leave | Net per year | Net per month |
|---|---|---|---|---|
| $40,000 | $1,192.50 | $200 | $32,927.50 | $2,743.96 |
| $65,000 | $2,875 | $325 | $51,207.50 | $4,267.29 |
| $95,000 | $4,675 | $475 | $70,512.50 | $5,876.04 |
| $150,000 | $8,225 | $750 | $104,816 | $8,734.67 |
| $250,000 | $15,400 | $922.50 | $166,859.50 | $13,904.96 |
Single filer. Watch the state column jump between $40,000 and $65,000: the exemption and the credit both disappear in that range.
Connecticut Pay per Month and per Paycheck
For the married couple on $95,000:
| Pay period | Gross | Net |
|---|---|---|
| Monthly | $7,916.67 | $6,401.67 |
| Biweekly | $3,653.85 | $2,954.62 |
| Weekly | $1,826.92 | $1,477.31 |
When both spouses work, the withholding code each one picks on Form CT-W4 decides how much comes out of each check. The yearly tax shown here stays the same.
What Is Taxed, and the Limits of This Estimate
- Taxed: wages, bonuses and commissions. Pre-tax 401(k) and health premiums lower the figure.
- No local tax: Connecticut towns and cities do not tax income.
- Assumptions: the tax is worked out on gross salary as income; other income and the property tax credit are left out.
- Rule year: the calculator uses the DRS 2025 calculation rules, which were unchanged from 2024. Connecticut's amounts are not indexed, but check the 2026 edition when it is available.
Sources and 2026 Rates
Connecticut Department of Revenue Services, Withholding Calculation Rules TPG-211 (Tables A to E); CT Paid Leave Authority contributions page; Social Security wage base and IRS 2026 federal brackets. Rates for 2026 where published.
Next door: New York State Gross to Net Calculator and Massachusetts Gross to Net Calculator.
Frequently Asked Questions
How much is $95,000 after tax in Connecticut for a married couple?
About $76,820 a year, or $6,401.67 a month, with $3,397.50 of Connecticut income tax.
What are the CT income tax rates?
2%, 4.5%, 5.5%, 6%, 6.5%, 6.9% and 6.99%. The 2% band covers the first $10,000 of taxable income for single filers and $20,000 for joint filers.
How much is CT Paid Leave?
0.5% of wages up to $184,500, paid by the employee only.
Who gets the Connecticut personal tax credit?
Single filers with income up to $64,500 and joint filers up to $100,500. It ranges from 75% of the tax at the bottom to 1% near the top of the range.
Why does Connecticut tax rise so quickly in the middle?
Between roughly $30,000 and $65,000 for a single filer the exemption phases out, the credit falls and the 2% phase out starts, all at once.
Do Connecticut cities have an income tax?
No. Only the state taxes income in Connecticut.
What is the take home pay on $65,000 single in CT?
$51,207.50 a year, about $4,267.29 a month. The Connecticut line is $2,875, which includes a $50 phase out add back, and CT Paid Leave adds $325.