State Income Tax Calculators 2025-2026

Calculate your state income tax for all 50 states. Compare tax rates, understand progressive vs flat tax systems, and discover which states have no income tax. Updated with the latest 2025-2026 state tax brackets and rates.

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State Tax Overview
12
States Available
9
No Tax States
0% - 14.4%
State Tax Range

Select Your State

Choose your state to calculate 2025-2026 income tax

🇺🇸 2025-26 State Calculators

🌴 California

High Tax

Progressive 1% - 14.4% | 10 Tax Brackets

🗽 New York

High Tax

Progressive 4% - 10.9% | 8 Tax Brackets

🌊 Florida

No Tax

0% Income Tax | Tax-Free State

🤠 Texas

No Tax

0% Income Tax | Tax-Free State

🎓 Massachusetts

Flat Tax

Flat Rate 5.0% | Simple Tax System

🦀 Maryland

Progressive

Progressive 2% - 5.75% | 8 Tax Brackets

🌾 Illinois

Flat Tax

Flat Rate 4.95% | Simple Tax System

🔔 Pennsylvania

Flat Tax

Flat Rate 3.07% | Lowest Flat Tax

🌰 Ohio

Progressive

Progressive Rates | Multiple Brackets

🍑 Georgia

Flat Tax

Flat Rate 5.49% | Recent Reform

⛰️ North Carolina

Flat Tax

Flat Rate 4.5% | Competitive Rate

🚗 Michigan

Flat Tax

Flat Rate 4.25% | Middle Tax Rate

🏖️ New Jersey

High Tax

Progressive 1.4% - 10.75% | 7 Tax Brackets

🏛️ Virginia

Progressive

Progressive 2% - 5.75% | 4 Tax Brackets

🌵 Arizona

Progressive

Progressive Rates | Multiple Brackets

🎉 States with No Income Tax

The following 9 states do not impose a state income tax on wages:

Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, Wyoming, and New Hampshire (dividends & interest only)

State Tax Rate Comparison 2025-2026

State Tax Structure Tax Rate Range Number of Brackets
California Progressive 1% - 14.4% 10 brackets
New York Progressive 4% - 10.9% 8 brackets
New Jersey Progressive 1.4% - 10.75% 7 brackets
Massachusetts Flat Tax 5.0% 1 rate
Illinois Flat Tax 4.95% 1 rate
Pennsylvania Flat Tax 3.07% 1 rate
North Carolina Flat Tax 4.5% 1 rate
Michigan Flat Tax 4.25% 1 rate
Georgia Flat Tax 5.49% 1 rate
Florida, Texas No Tax 0% N/A

Understanding State Income Taxes

While federal income tax applies to all Americans, state income tax varies dramatically depending on where you live. Understanding your state's specific tax structure—whether it's a flat rate, progressive brackets, or no tax at all—is essential for accurate financial planning and maximizing your take-home pay.

The 3 Types of State Tax Structures

1. No Income Tax States

Nine states (including Texas, Florida, Nevada) do not tax wage income at all. These states typically rely on sales taxes, property taxes, or natural resources for revenue.

2. Flat Tax States

States like Illinois (4.95%), Pennsylvania (3.07%), and North Carolina (4.5%) apply a single tax rate to all taxable income, regardless of income level.

3. Progressive Tax States

Most states, like California (1%-14.4%) and New York (4%-10.9%), use bracket systems where higher earners pay higher marginal rates.

Why State Tax Rates Matter

  • Take-Home Pay: State taxes can reduce your paycheck by 0-14.4% depending on your state and income
  • Relocation Decisions: Moving from California (14.4% top rate) to Texas (0%) can save high earners $50,000+ annually
  • Retirement Planning: Some states don't tax Social Security, pensions, or retirement account distributions
  • Business Location: State tax rates influence where entrepreneurs establish their businesses
  • Remote Work: Working remotely in a different state than your employer can create tax complications
⚠️ Important: States without income tax often have higher sales taxes, property taxes, or other fees. Consider the total tax burden, not just income tax rates.

Frequently Asked Questions

California (14.4%) has the highest top marginal rate, followed by Hawaii (11%), New Jersey (10.75%), Oregon (9.9%), and New York (10.9%). These high rates typically only apply to very high earners, usually above $500,000+ in annual income.

Yes, you typically need to file "part-year resident" returns in both states. You'll report income earned in each state during your residency period. Some states have reciprocal agreements that simplify this process. If you moved from a no-income-tax state to a tax state (or vice versa), you'll only file in the state that imposes income tax.

Nine states have no income tax on wages: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, Wyoming, and New Hampshire. Note that New Hampshire still taxes dividends and interest income (though this is being phased out). These states generate revenue through other means like sales tax, property tax, tourism taxes, or natural resource extraction.

It depends on your income level. Low to moderate earners typically benefit from progressive tax states because lower tax brackets apply to most of their income. High earners may prefer flat tax states (like Pennsylvania at 3.07%) where they avoid the higher marginal rates of progressive states. However, you should also consider standard deductions, personal exemptions, and other state-specific tax credits that can significantly impact your actual tax liability.

Not necessarily. Your state of residency (where you live) typically has the right to tax all your income. Additionally, some states like New York have "convenience of employer" rules that may require taxation in the state where your employer is located, even if you work remotely elsewhere. If you work in one state but live in another, you may need to file multiple state returns and claim a credit for taxes paid to another state to avoid double taxation.

Our state tax calculators use the official 2025-2026 tax brackets, standard deductions, and personal exemptions published by each state's department of revenue. They provide accurate estimates for most taxpayers. However, state taxes can be complex with many deductions, credits (education, child care, property tax credits), and special situations. For complex tax situations, we recommend consulting a tax professional or using the official state tax forms.

It varies by state. 38 states do not tax Social Security benefits. States that fully or partially tax Social Security include Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, Rhode Island, Utah, Vermont, and West Virginia. Pension income taxation also varies—some states exempt military pensions, teacher pensions, or all retirement account distributions. This makes state selection crucial for retirees.

Related Tax Calculators

🇺🇸 Federal Income Tax

Calculate your 2025-26 federal tax liability with IRS brackets

💼 Paycheck Calculator

Calculate net pay with federal, state, and FICA taxes combined

🛒 Sales Tax Calculator

Calculate sales tax by state and locality

📈 Capital Gains Tax

Calculate federal and state capital gains tax on investments

State Tax Planning Resources

📚 Tax Credits Guide 2026

Learn about federal and state tax credits that can reduce your liability

💰 Maximize Your Tax Refund

Strategies to increase your federal and state tax refunds

2024 Tax Tools Prior Year

Need to file your 2024 tax return? Use these calculators for the 2024-25 tax year:

💡 Quick State Tax Facts

  • Highest Tax State: California (14.4% top rate)
  • Lowest Flat Tax: Pennsylvania (3.07%)
  • No-Tax States: 9 states charge 0% income tax
  • Most Brackets: California has 10 tax brackets
  • Retirement Friendly: 38 states don't tax Social Security

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