Estimate state income tax for any of the 50 US states, and see what changes if you move.
Free state-tax calculator. Covers no-tax, flat-rate, and progressively bracketed states with 2026 figures, plus side-by-side comparison between any two states.
Direct answers to the most common questions, in plain language. Skim if you're in a hurry; dig deeper below.
Anywhere from 0% to over 13%, depending on the state.
Nine states (TX, FL, WA, etc.) have no income tax. Eleven states use a flat rate (typically 3–5%). The remaining states use progressive brackets with top rates that range from ~5% up to 13.3% (California), a huge spread.
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming.
These nine states have no broad-based personal income tax. Most make up for it with higher property tax, sales tax, or natural-resource revenue. New Hampshire taxes only interest and dividends; wages are exempt.
Usually where you live, but reciprocity agreements vary.
Most states require residents to pay tax on all income, regardless of where it was earned, with a credit for tax paid to other states. A handful of state pairs (e.g., NJ/PA, IL/IA) have reciprocity agreements that let cross-border commuters file only in their home state.
Yes, but capped at $10,000 (combined with property tax).
The SALT deduction lets you deduct state income (or sales) and property taxes on Schedule A, but the total is capped at $10,000 per return. High-tax-state filers often hit the cap quickly.
The mechanics in short answers. No jargon, no upsell.
Each state has its own personal income tax rules, or none at all. Your selection drives every downstream calculation.
Most states have their own standard deduction or personal exemption, separate from the federal one. The calculator subtracts it before bracket math.
Progressive states tax each chunk of income at its own marginal rate. Flat-rate states multiply taxable income by a single number.
Effective rate = tax ÷ gross income (what you actually pay). Marginal rate = the bracket your last dollar landed in (what an extra dollar costs).
Worked example: On the default $95,000 single filer in California: taxable income = $95,000 − $5,363 deduction = $89,637. Stacking the CA brackets (1% → 9.3%) gives ≈ $4,879 of state tax, a 5.1% effective rate with a 9.3% marginal rate. The same income in Texas: $0.
Simplified 2026 single / married-filing-jointly estimates per state; credits, local add-ons (like NYC tax), and special deductions aren’t modeled. Everything runs locally in your browser; your numbers never leave this page.
Designed so anyone can model their situation in under a minute, with or without a finance background.
No-tax, flat-rate, and bracketed states all modeled with 2026 figures.
Moving for a job? See exactly how your take-home changes between two states.
Each state's brackets and deductions adjust for your filing status.
See both the rate you actually pay and the rate on your next dollar earned.
For progressive states, see how much income fills each bracket and the tax owed at each.
Brackets, deductions, and flat-rate updates use the most recent published figures.
Everything you might ask before, during, or after using this tool.
Each state funds itself differently. No-income-tax states typically rely more on property taxes (TX, NH), sales taxes (TN, WA), severance/oil-and-gas revenues (AK, WY), or tourism (NV, FL). The total tax burden may still be high, just collected differently.
Flat-rate states (CO, PA, IL, etc.) tax every dollar of taxable income at the same rate. Progressive states (CA, NY, OR, etc.) tax income in marginal brackets: the first $X at one rate, the next $Y at a higher rate, and so on.
California, with a top marginal rate of 13.3% on income above $1M (single). Hawaii (11%), New York (10.9%), New Jersey (10.75%), and Oregon (9.9%) round out the top five. Most filers pay well below the top rate because of progressive brackets.
It depends. Some states (IL, MS, PA) exempt most or all retirement income. Others (CA, NY) tax 401(k) and IRA distributions like wages but exempt Social Security. Pension treatment varies. Check your state's specific retirement-income rules.
In states with income tax, yes, usually via a state W-4 equivalent. The withholding tries to approximate your annual tax liability so you don't owe at filing. You can adjust it the same way you adjust federal W-4.
A handful of cities (NYC, Philadelphia, San Francisco) and counties levy additional local income taxes. The calculator covers state-level tax only; local taxes are added on top in those jurisdictions.
In most states, no, but a few (AL, IA, LA, MO, MT, OR) allow you to deduct some federal taxes on your state return. The calculator does not currently model the federal-tax deduction.
The calculator handles standard deductions and brackets for each state. It does not currently model state-specific credits (child credit, EITC, education), itemized deductions, or local taxes. Treat the number as a solid estimate, not a filed return.
Other Lazysmirk tools that pair well with this one.
Estimate your 2026 US federal income tax: brackets, FICA, effective rate, deductions, capital gains, and take-home pay, all in one place.
Calculate your real take-home pay after federal, state, and FICA taxes. Includes 401(k), HSA, health insurance, and W-4 dependents credits.
Estimate your 2026 federal tax refund. Standard or itemized deductions, 401(k) and HSA adjustments, Child Tax Credit, and full bracket breakdown.
Compare cost of living between any two US cities. Housing, groceries, transport, healthcare, utilities, and state income tax in one view.
Convert any salary to hourly, daily, weekly, or monthly pay, adjust rates for holidays and vacation, model raises, and estimate federal take-home.
For a typical middle-income household, the state portion can be 25–40% of their total income-tax bill, and unlike federal tax, you can change it by moving. That makes state tax one of the few six-figure decisions a person can make purely on geography.
But "no income tax" is rarely free. Texas and Florida have very high property tax. Tennessee has 9.5%+ combined sales tax. Washington has a hefty B&O tax for self-employed. Compare total tax burden, not just the marginal income rate.
Run the calculator twice (once for your current state, once for the prospective one) at your actual income and filing status. The difference is the recurring annual savings (or cost) of the move.
Then layer on: state-specific property tax rates, sales tax, vehicle registration, retirement-income treatment, and quality-of-life factors (commute, schools, healthcare). The headline rate is just the starting point.
Most states use a "domicile + days present" test. If you spend 183+ days in a state and have a permanent home there, you're a resident, and pay tax on all worldwide income. Cross-border earners who don't cleanly cut ties can end up owing two states.
High-tax states (NY, CA) are aggressive about challenging out-of-state moves. If you're moving primarily for tax savings, expect to document the move (driver's license, voter registration, primary care doctor, principal residence) before the audit shows up.
If you live in State A but work for a company headquartered in State B, you may owe tax to one or both. Some states (NY, CT) use a "convenience of the employer" rule that taxes remote employees as though they worked in-state.
The cleanest setup is to live and work in the same state, or in a no-income-tax state with a reciprocity agreement with your employer's state. Anything else needs a careful look at both states' nonresident rules.
Two short notes worth reading before you trust any number on this page.
Your loan amount, rate, and prepayment inputs never leave your device. No accounts, no cookies on your numbers, no analytics on the values you type. Disconnect from the internet and it still works.
We are not a bank, NBFC, advisor, broker, or distributor of any financial product. The numbers shown here are estimates for educational purposes only, based on the inputs you provide.
Results are not financial, legal, or tax advice. Please consult a qualified professional before any decision about your loan, investments, or personal finances. Actual loan terms and charges depend on your bank and individual circumstances.
