About this state tax calculator
US state income tax calculator for all 50 states and DC
Your federal income tax gets most of the attention, but most Americans also pay state income tax — and the amount varies wildly depending on where you live. A taxpayer in Texas pays no state income tax, while a Californian in a high bracket faces a top rate above 12%. This calculator estimates your state tax by picking a representative rate for your state, applying a standard deduction based on your filing status, and adding any local tax you enter.
How the state tax estimate is built
- 1
Pick your state
Choose from all 50 states plus DC. States with no income tax automatically use 0%.
- 2
Enter income and filing status
Your annual income is reduced by the standard deduction for your filing status, or your own entered deduction.
- 3
Apply the rate and credits
The representative state rate is applied to taxable income, then any state credits you entered reduce the result.
- 4
Add local tax
An optional local income tax rate (e.g. NYC) is applied and combined with the state tax.
How states compare — three different models
| State | Structure | Representative rate |
|---|---|---|
| Texas, Florida, Nevada, Washington | No state income tax | 0% |
| Illinois, Pennsylvania | Flat rate | ~4.95% / ~3.07% |
| California, New York, Oregon | Graduated brackets, high top rates | Up to ~12.3% / 10.9% / 9.9% |
| New Hampshire | Interest & dividends only | 0% on wages |
Rates shown are representative single rates for estimation. Exact liability depends on the state's own brackets, phaseouts and credits.
Worked example: California single taxpayer earning $100,000
A single filer in California earns $100,000 a year. California uses graduated brackets with a top rate of 12.3%; this calculator applies the representative 12.3% rate.
- Annual income
- $100,000
- Standard deduction (single)
- $14,600
- Taxable income
- $85,400
- California representative rate
- 12.3%
- Estimated state tax
- ≈ $10,504
- Effective state rate
- ≈ 10.5%
Estimated result
Estimated state income tax ≈ $10,504
The same taxpayer earning $100,000 in Texas would pay $0 in state income tax — a gap worth considering when comparing job offers or relocation.
Common mistakes when estimating state tax
- Applying the top bracket rate to all income. Graduated states tax only the portion of income in each bracket.
- Forgetting the standard deduction. State tax is computed on taxable income, not gross income.
- Ignoring local taxes. New York City, for example, adds its own income tax on top of the state tax.
- Using last year's deduction figures. Standard deduction amounts are adjusted each year for inflation.
This is a state-level estimate only
Official references
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