Use this State Income Tax Calculator to estimate your state income tax for 2026. Select your state, choose your filing status, and enter your taxable income to get an estimated state tax amount, effective tax rate, and marginal tax rate.
State income taxes are different across the United States. Some states do not have a general individual income tax, while others use a flat tax rate or multiple tax brackets. Your actual state tax can also depend on deductions, exemptions, credits, and other state-specific rules.
For a more useful estimate, this calculator starts with your state taxable income rather than your gross salary. This means you should enter the amount of income that is subject to your state’s income tax after applicable deductions and adjustments.
State Income Tax Breakdown
Estimated After-Tax Income
How the State Income Tax Calculator Works
The calculator uses your state, filing status, and taxable income to estimate your 2026 state income tax.
States generally fall into three groups: states with no general individual income tax, states with a flat income tax, and states with graduated tax brackets. In a graduated system, different portions of taxable income are taxed at different rates.
The calculator applies the applicable marginal brackets to the taxable income you enter and then adds the tax from each bracket.
State Income Tax Formula
For a flat-tax state, the basic calculation is:
State Income Tax = Taxable Income × State Tax Rate
For a graduated-tax state, the calculation is performed across the applicable brackets.
For example, if part of your income falls into a lower tax bracket and the rest falls into a higher bracket, the entire income is not automatically taxed at the higher rate.
What Is Taxable Income?
Taxable income is the amount of income that remains subject to state income tax after applicable deductions and adjustments.
It is different from gross income.
For example, if you earn $80,000 but your state taxable income after applicable adjustments is $70,000, you would generally enter $70,000 into this calculator rather than $80,000.
Because deductions and exemptions vary by state, entering taxable income makes the estimate more consistent across different states.
States With No General Individual Income Tax
For 2026, Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, and Wyoming have no general individual income tax. Washington does not have a general individual income tax on wages, although it has a separate tax on certain capital gains.
For a person earning ordinary wage income in one of the states without a general individual income tax, the estimated state income tax in this calculator is $0.
Flat vs. Graduated State Income Tax
A flat income tax generally applies one rate to taxable income.
For example, a flat-tax state may apply a rate of 4% to taxable income.
A graduated income tax uses multiple brackets. The tax rate increases as taxable income moves through the state’s brackets.
The difference matters because a state’s highest marginal tax rate does not necessarily apply to every dollar of income.
State Income Tax Calculator Examples
Example 1: Flat Tax State
Suppose your taxable income is $60,000 and the applicable state income tax rate is 4%.
The estimated tax would be:
$60,000 × 4% = $2,400
Your estimated income after state income tax would therefore be:
$60,000 − $2,400 = $57,600
This is a simplified example and does not account for state-specific credits or other adjustments.
Example 2: Graduated Tax State
Suppose a state has several tax brackets.
The first portion of your taxable income could be taxed at a lower rate, while the portion that falls into a higher bracket could be taxed at a higher rate.
For example, if the first $10,000 is taxed at 2% and the next $20,000 is taxed at 4%, a taxpayer with $30,000 of taxable income would not pay 4% on the entire $30,000.
The tax would be calculated separately for each bracket.
What Is the Marginal Tax Rate?
Your marginal tax rate is the tax rate that applies to your next dollar of taxable income under the applicable state tax brackets.
It is different from your effective tax rate.
For example, if you pay $3,000 in state tax on $75,000 of taxable income, your effective state tax rate is:
$3,000 ÷ $75,000 × 100 = 4%
You could still have a higher marginal rate if your income reaches a higher tax bracket.
What Is the Effective State Tax Rate?
The effective tax rate shows the estimated state income tax as a percentage of your taxable income.
The formula is:
Effective Tax Rate = State Income Tax ÷ Taxable Income × 100
This gives you a quick way to understand the overall tax burden represented by the calculator’s estimate.
Does This Calculator Include Local Income Taxes?
No. The estimate focuses on state individual income tax.
Some locations impose additional local income taxes. These can apply at the city, county, or other local level. Tax Foundation notes that local income taxes exist in a number of states and are separate from the state-level rates shown in its 2026 state income tax data.
Why Could My Actual State Tax Be Different?
Your actual state tax bill may differ from this estimate because state tax systems can include deductions, exemptions, credits, special taxes, income-specific rules, local taxes, and other adjustments.
For example, some states use different rules for retirement income, Social Security benefits, capital gains, business income, or other types of income.
This calculator is therefore best used as a planning estimate rather than a replacement for your state tax return.
State Income Tax Changes in 2026
Several states changed their individual income tax rates or structures for 2026. For example, Indiana’s rate decreased to 2.95%, Kentucky’s to 3.5%, Mississippi’s to 4%, Montana’s top rate to 5.65%, Nebraska’s top rate to 4.55%, North Carolina’s rate to 3.99%, Ohio moved to a 2.75% flat rate for applicable nonbusiness income, and Oklahoma reduced its top rate to 4.5%.
Because state tax laws can change, it is a good idea to check your state’s current tax instructions when preparing an actual return.
Frequently Asked Questions
1. Which states have no individual income tax?
For 2026, Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, and Wyoming have no general individual income tax. Washington does not have a general individual income tax on wages but has a separate tax that applies to certain capital gains.
2. What is the difference between taxable income and gross income?
Gross income is the income you receive before applicable deductions and adjustments. Taxable income is the amount that remains subject to tax after the relevant deductions and adjustments.
For this calculator, enter your estimated state taxable income.
3. Does every state have the same income tax rate?
No. States use different tax structures. Some have no general individual income tax, some use a flat rate, and others use graduated tax brackets.
4. Does the calculator include federal income tax?
No. This calculator estimates state individual income tax only. Federal income tax, Social Security tax, Medicare tax, and other payroll taxes are separate calculations.
5. Does the calculator include local income tax?
No. Local income taxes are not included. Your actual tax bill can be higher if your city, county, or another local jurisdiction imposes an income tax.
6. What is a marginal tax rate?
The marginal tax rate is the rate that applies to the next dollar of taxable income within the applicable tax bracket. It does not necessarily mean that your entire income is taxed at that rate.
7. What is an effective tax rate?
The effective tax rate is the estimated total state income tax divided by your taxable income. It gives you a broader view of the average rate represented by the calculation.
8. Can I use this calculator for 2025 taxes?
This version is built around the 2026 state income tax rates and brackets. State tax rules can change from year to year, so a separate 2025 version should use the applicable 2025 rates and rules.
Disclaimer: This calculator provides an estimate for informational purposes only. It does not include every state deduction, exemption, credit, local tax, or special tax rule. Your actual state tax may be different. Check your state’s current tax guidance or consult a qualified tax professional for advice about your specific situation.
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