Financial Risk Specialists in Hawaii
May 2025 wages · tax year 2026
You keep
$66,660
after federal, FICA and Hawaii tax
Tax takes
$23,200
25.8% of the whole
Worth, in national money
$61,376
Hawaii costs more than average
On that salary you would be around the 25th percentile for this work in Hawaii — roughly, since only five points along the band are published.
One filer, standard deduction, no dependants and nothing paid in before tax — the same household the rest of this page uses, so the comparison holds. City and school-district income taxes are not included.
Median here
$89,860
Kept after tax
$66,660
Worth in national money
$61,376
State rank
38
of 50 states
What this pays, and what it is worth
- The nominal figure here is modest. Hawaii pays financial risk specialists a middle wage of $89,860, 38 of 50 states and about 23.41% below the national middle. Hold that thought until the adjusted numbers.
- This is one of the better-paid jobs in Hawaii. It ranks 104 out of 437 occupations the state publishes figures for, which puts it in the top quarter locally.
- Costs eat into it here. Of $89,860, tax leaves $66,660 — and because Hawaii is dearer than average, that stretches only as far as $61,376 would nationally. Averages run higher here, $96,590, since top earners drag the number up.
- Hawaii's $89,860 median for financial risk specialists places it 38 of 50 states, about 23.41% below national. Because both the tax and price adjustments tend to favor lower-nominal states, this ranking is the least stable of the three reported here.
- Within Hawaii, financial risk specialists ranks 104 of 437 occupations by median pay, placing it in the top quartile of the local distribution. This is the comparison a resident actually makes — against neighbors rather than against the same job elsewhere.
- After tax, $66,660 remains from the Hawaii median of $89,860 for this occupation. Applying the state's above-average price parity yields $61,376 in national-average terms — the quantity relevant to a relocation decision, and the one absent from essentially every published wage comparison. Mean pay of $96,590 exceeds the median, so the upper tail is doing the work.
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Pay band: Financial Risk Specialists
The state median for this job
| Lowest tenth earn under | $61,740 |
|---|---|
| Half earn under | $89,860 |
| Top tenth earn over | $134,990 |
| This salary | $89,860 |
Positions between the published tenth, quarter, half, three-quarter and ninetieth points are estimated by straight line.
The same pay, somewhere else
The state median for this job
| Take-home in Hawaii | $66,660 |
|---|---|
| Take-home in Texas | $72,047 |
| Once local prices are leveledBEA price parity | +$12,765 |
State income tax and state price levels only. No city income tax, and no housing market.
What you would need there
The state median for this job
| To match take-home only | $82,204 |
|---|---|
| You could take a cut of | −$17,632 |
| Prices in Texas | 97 vs 109 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $89,860 as a midpoint for Hawaii, not a promise. The tenth percentile is $61,740 and the ninetieth is $134,990 — a wide band, and where you land in it depends on far more than the state.
- In Hawaii the take-home figure of $66,660, from $89,860, assumes one filer, no dependants, and nothing paid into a pension before tax. Each of those lowers the bill, so treat it as the plain case. City and school-district income taxes are not included either, and in a few states those are real money. It ranks 104 of 437 occupations here.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $61,376 uses one figure for the whole of Hawaii. A city and a rural county there can differ by more than two states do. Out of 437 occupations the state publishes, this one sits at 104.
- The Hawaii median of $89,860 describes the midpoint of a distribution spanning $61,740 to $134,990. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- Take-home for Hawaii is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $66,660 from $89,860. Each omitted item reduces taxable income, so the figure is a lower bound on retained pay for this household shape. Municipal and school-district income taxes are excluded, which understates the burden materially in Ohio, Pennsylvania and Maryland. The occupation ranks 104 of 437 locally.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $61,376, worked from $89,860, deflates by a statewide parity that conceals substantial intra-state variation, concentrated in housing — so it supports comparison between states rather than the pricing of a move to a particular Hawaii address, on work sitting at 104 of 437 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $96,590, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
One title, many jobs. The lowest tenth take $61,740, the highest tenth $134,990, and what separates them is experience, employer and what exactly the role does.
Does a bigger number here mean I am better off?
Not on its own. Prices in Hawaii run above the national level, so the same dollars buy less here. Adjusted for that, this pay is worth $61,376 — the wage did not change, only what it covers.
Where does the difference between the wage and my paycheck go?
Three of them are federal and one is not. After income tax, Social Security, Medicare and Hawaii's own levy, $66,660 remains.
Why is this job missing from some states?
A blank is a suppression, not a zero. 50 states have a published figure for this work; the others had too few responses to release one.
How does the published median differ from the mean for this occupation?
The median is the midpoint of the distribution; the mean for this occupation in Hawaii is $96,590. Wage distributions are right-skewed, so the mean exceeds the median wherever a minority earn substantially more. BLS publishes both because substituting one for the other misstates a typical worker's pay.
What drives the percentile dispersion in this occupation?
Dispersion between the tenth percentile ($61,740) and the ninetieth ($134,990) exceeds the family median dispersion. SOC codes aggregate roles differing in seniority, industry and specialisation, and BLS does not disaggregate below the detailed occupation level, so within-title variance is not separable from the published series.
How does the state price level affect real compensation?
Hawaii's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $61,376 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
What accounts for the gap between gross wage and take-home here?
Take-home of $66,660 reflects federal income tax, OASDI, Medicare and Hawaii income tax for a single filer with no adjustments. The state layer is levied in addition to the federal one; only its rate and base differ between states.
Why does this occupation lack published estimates in every state?
BLS suppresses estimates failing disclosure or reliability criteria. This occupation has published state-level estimates in 50 of the fifty-one jurisdictions. Suppression reflects sample size and confidentiality rules, and cannot be read as an absence of employment.