2026 State Tax Calculators & Paycheck Estimators
State income tax laws vary wildly—from 0% in states like Texas and Florida, to progressive brackets in California and New York, to flat rates in Illinois and North Carolina. Explore our dedicated, high-speed state calculators below for exact paycheck breakdowns.
Priority State Income Tax Calculators
Select your state to calculate your take-home pay, state withholding, and local municipal tax liabilities:
Indiana Tax Calculator
Calculate IN take-home pay with the 3.00% flat state rate, county taxes (0.5% - 3.0%), and $2,500 child exemptions.
Tennessee Tax Calculator
Model TN take-home pay with 0% state income tax, zero municipal wage taxes, and federal withholdings.
Wisconsin Tax Calculator
Compute WI net pay with progressive brackets, sliding scale standard deduction, and $700 personal exemptions.
Missouri Tax Calculator
Calculate MO take-home pay with graduated state rates, federal deduction matching, and St. Louis/KC 1% earnings tax.
South Carolina Tax Calculator
Estimate SC take-home pay under simplified progressive rates, federal deduction alignment, and $4,610 dependent exemptions.
Massachusetts Tax Calculator
Compute MA take-home pay with the 5.0% flat tax, 4.0% Fair Share surtax, personal exemptions, and PFML withholdings.
Arizona Tax Calculator
Calculate AZ take-home pay under the statutory 2.50% flat tax rate, federal deduction matching, and dependent credits.
Maryland Tax Calculator
Model Maryland take-home pay with progressive brackets, mandatory county piggyback taxes (2.25% - 3.20%), and deductions.
Minnesota Tax Calculator
Calculate MN take-home pay with progressive state brackets, $15,100 standard deduction, and child tax credits.
Oregon Tax Calculator
Compute OR take-home pay with progressive rates, up to $8,250 federal tax deduction, transit taxes, and Portland metro surtaxes.
California Tax Calculator
Compute CA take-home pay with progressive brackets, $5,540 standard deduction, and 1.2% uncapped CASDI.
New York Tax Calculator
Calculate New York State take-home pay with NYC resident personal income taxes (3.876%) and Yonkers surtax.
Washington Tax Calculator
Model WA take-home pay with 0% state income tax, zero municipal taxes, and federal withholdings.
Virginia Tax Calculator
Calculate Virginia paycheck withholding under the 5.75% top rate, $8,500 standard deduction, and $930 exemption.
New Jersey Tax Calculator
Estimate NJ take-home pay with graduated tax brackets, $1,000 personal exemption, and PA reciprocity rules.
Texas Tax Calculator
Calculate your net paycheck with Texas's constitutional 0% state income tax, federal brackets, and FICA deductions.
Florida Tax Calculator
Estimate Florida take-home pay with 0% state income tax, zero municipal wage taxes, and federal withholdings.
Nevada Tax Calculator
Calculate your net paycheck with Nevada's constitutional 0% state income tax, federal brackets, and FICA deductions.
Illinois Tax Calculator
Compute Illinois take-home pay with the 4.95% constitutional flat rate and $2,775 personal exemptions.
Ohio Tax Calculator
Model Ohio's reformed state brackets, $26,050 zero-tax threshold, and municipal RITA city wage taxes.
Georgia Tax Calculator
Calculate Georgia paycheck withholding under the 5.19% statutory flat rate and $12,000 / $24,000 deductions.
Pennsylvania Tax Calculator
Model PA's 3.07% flat compensation rate, local Act 32 Earned Income Tax (EIT), and Schedule SP tax forgiveness.
Michigan Tax Calculator
Calculate MI net pay with $5,400 personal exemptions per dependent and Detroit city income tax withholding.
Colorado Tax Calculator
Compute Colorado net pay with the TABOR-adjusted 4.40% flat rate and automatic federal standard deduction matching.
North Carolina Tax Calculator
Estimate NC take-home pay with the 2026 enacted 4.50% statutory rate and $12,750 / $25,500 state deductions.
2026 State Income Tax Comparison Table
A high-level overview of statutory tax rates, standard deductions, and municipal tax rules across featured states:
| State | Tax Structure | 2026 State Tax Rate | Standard Deduction / Exemption | Local / Municipal Income Taxes | Calculator Link |
|---|---|---|---|---|---|
| Indiana (IN) | Flat Rate | 3.00% | $1,000 Personal Exemption + $1,500 Child Exemption | County Local Income Tax (0.50% - 3.00%) | Open Indiana Calculator → |
| Tennessee (TN) | No Income Tax | 0.00% | N/A (No earned wage tax) | None (0% local tax) | Open Tennessee Calculator → |
| Wisconsin (WI) | Graduated (4 brackets) | 3.50% - 7.65% | $13,810 Single / $25,500 Married (Sliding Scale) | None (0% local tax statewide) | Open Wisconsin Calculator → |
| Missouri (MO) | Graduated (SB 3) | 0% - 4.70% | Matches Federal ($15,000 Single / $30,000 Married) | St. Louis (1.0%) & Kansas City (1.0%) Earnings Tax | Open Missouri Calculator → |
| South Carolina (SC) | Graduated (3 brackets) | 0% - 6.20% | Matches Federal ($15,000 Single / $30,000 Married) + $4.6k/dep | None (0% local tax statewide) | Open South Carolina Calculator → |
| Massachusetts (MA) | Flat Rate + Surtax | 5.00% - 9.00% | $4,400 Single / $8,800 Married + $1k/dep | 0.46% Paid Family & Medical Leave (PFML) | Open Massachusetts Calculator → |
| Arizona (AZ) | Flat Rate | 2.50% | Matches Federal ($15,000 Single / $30,000 Married) | None (0% local income taxes statewide) | Open Arizona Calculator → |
| Maryland (MD) | Graduated (8 brackets) | 2.00% - 5.75% | 15% of AGI ($1,750 - $2,600 min/max) + $3,200 Exemption | County Piggyback Taxes (2.25% - 3.20%) | Open Maryland Calculator → |
| Minnesota (MN) | Graduated (4 brackets) | 5.35% - 9.85% | $15,100 Single / $30,200 Married Joint | None (0% local income taxes statewide) | Open Minnesota Calculator → |
| Oregon (OR) | Graduated (4 brackets) | 4.75% - 9.90% | $2,845 Single / $5,690 Married + Fed Tax Subtraction | Statewide Transit (0.1%) & Portland Metro Taxes | Open Oregon Calculator → |
| California (CA) | Graduated (9 brackets) | 1.00% - 13.30% | $5,540 Single / $11,080 Married + $149 Credit | 1.20% Uncapped CASDI (State Disability Insurance) | Open California Calculator → |
| New York (NY) | Graduated (8 brackets) | 4.00% - 10.90% | $8,000 Single / $16,050 Married Filing Jointly | New York City (3.078% - 3.876%); Yonkers Surtax (16.75%) | Open New York Calculator → |
| Washington (WA) | No Income Tax (Wages) | 0.00% | N/A (No earned wage tax; 7% Cap Gains > $262k) | WA Cares Long-Term Care (0.58%) / Paid Family Leave | Open Washington Calculator → |
| Virginia (VA) | Graduated (4 brackets) | 2.00% - 5.75% | $8,500 Single / $17,000 Married + $930 / exemption | None (0% local income taxes statewide) | Open Virginia Calculator → |
| New Jersey (NJ) | Graduated (6 brackets) | 1.40% - 10.75% | $1,000 Exemption per dependent & filer | PA Reciprocal Agreement (residents pay NJ rates only) | Open New Jersey Calculator → |
| Texas (TX) | No Income Tax | 0.00% | N/A (No state tax) | None (0%) | Open Texas Calculator → |
| Florida (FL) | No Income Tax | 0.00% | N/A (No state tax) | None (0%) | Open Florida Calculator → |
| Nevada (NV) | No Income Tax | 0.00% | N/A (No state tax) | None (0%) | Open Nevada Calculator → |
| Illinois (IL) | Flat Rate | 4.95% | $2,775 personal exemption per person | None (0% local tax statewide) | Open Illinois Calculator → |
| Ohio (OH) | Graduated (HB 33) | 0% / 2.75% / 3.50% | First $26,050 exempt from state tax | RITA / Municipal (typically 1.5% to 2.5%) | Open Ohio Calculator → |
| Georgia (GA) | Flat Rate (HB 1015) | 5.19% | $12,000 Single / $24,000 Married + $4k/dep | None (0% local tax) | Open Georgia Calculator → |
| Pennsylvania (PA) | Flat Rate | 3.07% | None on compensation (Schedule SP forgiveness for low income) | Act 32 EIT (typically 1.0% to 2.0%); Philadelphia 3.75% | Open PA Calculator → |
| Michigan (MI) | Flat Rate | 4.25% | $5,400 personal exemption per dependent/allowance | Detroit (2.4% res / 1.2% non-res); 23 other cities (1.0% / 0.5%) | Open Michigan Calculator → |
| Colorado (CO) | Flat Rate | 4.40% | Matches Federal ($15,000 Single / $30,000 Married) | None (Nominal Denver OPT flat fee of $5.75/mo) | Open Colorado Calculator → |
| North Carolina (NC) | Flat Rate | 4.50% | $12,750 Single / $25,500 Married Filing Jointly | None (Local income taxes prohibited by state law) | Open NC Calculator → |
Understanding State Income Tax Systems in the U.S.
State tax obligations represent one of the largest variables in personal take-home pay. Across the United States, states follow three primary income tax models:
1. No-Income-Tax States (The "Zero Nine")
Nine states impose no individual state income tax on earned wages: Alaska, Florida, Nevada, New Hampshire (dividend/interest tax phased out in 2027), South Dakota, Tennessee, Texas, Washington (taxes high-value capital gains), and Wyoming. These states rely primarily on state sales taxes, tourism excise taxes, mineral extraction taxes, and property taxes to fund public services.
2. Flat-Tax States
Over the last decade, a growing number of states have transitioned from progressive brackets to a single flat tax rate. Flat-tax states charge the same percentage rate on all taxable income, though net liability depends heavily on whether the state offers large standard deductions (like Colorado and North Carolina), personal exemptions (like Michigan), or taxes gross compensation (like Pennsylvania).
3. Progressive-Bracket States
States like California (up to 13.3%), New York (up to 10.9%), and New Jersey (up to 10.75%) utilize progressive tax brackets where higher portions of income are taxed at higher marginal rates. In progressive states, high-earning taxpayers face combined federal and state marginal tax rates exceeding 45% to 50%.
How to Maximize Your State Take-Home Pay
- Contribute to Pre-Tax 401(k) / 403(b): In most states, traditional retirement contributions reduce your state taxable income in addition to federal taxable income (except Pennsylvania, where 401k employee contributions are subject to state tax upon deposit but tax-free upon withdrawal).
- Health Savings Accounts (HSA): HSA contributions are triple-tax-advantaged at the federal level and in 48 states (only California and New Jersey tax HSA contributions).
- Understand Municipal Surtaxes: When relocating, verify whether your target township charges a local earned income tax or municipal wage tax.