Oklahoma paychecks in 2026: what changed
Oklahoma cut its income tax for 2026. Here is what changed.
The changes
- New federal withholding tables. The IRS updated Publication 15-T for 2026, including changes from the 2025 tax law. The standard deduction is $16,100 single, $32,200 married filing jointly, and $24,150 head of household.
- Social Security wage base: $184,500 (up from $176,100). If you earn more, Social Security stops later in the year.
- Tips and overtime deductions for 2025–2028 — see below.
- Top rate: 4.5%, down from 4.75%, with three taxed brackets instead of six.
- New OW-2 tables took effect January 1, 2026; allowances are still $1,000 a year each.
- Minimum wage: still $7.25, the federal rate.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
Work out your 2026 Oklahoma paycheck →
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Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide — Social Security and Medicare rates
- Social Security Administration — 2026 wage base of $184,500
- IRS — tips and overtime deductions
- Oklahoma Tax Commission — Packet OW-2, 2026 Oklahoma Income Tax Withholding Tables (Revised 11-2025) — effective January 1, 2026; $1,000 allowance ÷ pay periods; percentage-method tables 1–8 (0%, 2.5%, 3.5%, 4.5%); round to the nearest dollar; worked example
- Oklahoma Tax Commission — Form OK-W-4, Employee's State Withholding Allowance Certificate — Single / Married / Married, but withhold at higher Single rate; allowances for yourself, a non-working spouse, dependents
- Oklahoma Senate — Legislature sends comprehensive tax cuts to Governor (HB 2764) — top rate 4.75% → 4.5% and six brackets → three, from tax year 2026
- Oklahoma Department of Labor — FAQs, Wage and Hour — $7.25 federal and state minimum wage; overtime over 40 hours; paid at least twice each calendar month; final pay by the next regular payday
- U.S. Department of Labor — Minimum Wages for Tipped Employees — Oklahoma: $7.25 combined rate, $5.12 tip credit, $2.13 cash wage; $2.00 basic rate for employers with fewer than 10 full-time employees at one location and $100,000 or less in gross annual sales
- Oklahoma Statutes § 40-197.2 — Minimum wages established — no less than the current federal minimum wage
- Oklahoma Department of Labor — Wage Claim — file online or by mail; no need to be a U.S. citizen