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IMAAR Associates CPA, PLLC

Free tax calculator

State income tax calculator

Work out your state income tax for any of the 50 states or DC, see exactly how that state builds the number, or compare two states side by side before you move.

Your details

Nothing you type is collected, transmitted, or stored.

Tax year

All 50 states and the District of Columbia.

States model single and married-filing-jointly; other statuses use single-filer widths with a note.

Your income as your state would measure it. Each state applies its own deduction or exemption to this figure.

Your state tax

Choose a state and enter your income to see the result.

How this state builds your tax
Tax structure—
State standard deduction—
Personal exemption—
Credits applied against tax—
State taxable income—
State income tax—
Effective state rate—

    State income tax only — this does not include federal tax. For the combined picture see the paycheck calculator or the tax bracket calculator, both of which now carry a state line. Local city and county income taxes are flagged where they apply but never computed.

    Estimate only — not tax advice. These figures are a general educational estimate based on federal tax data and the numbers you entered. They are not a tax return, not tax advice, and not a guarantee of your actual tax. They exclude many credits, deductions, phase-outs, state and local taxes, and situation-specific rules. Using this tool does not create a client relationship. For numbers you can rely on, book a free consultation.

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    How this works

    Three structures, fifty-one answers

    Federal tax is one system. State income tax is fifty-one of them, and they do not agree on rates, on brackets, on what counts as income, or even on whether to have the tax at all.

    They sort into three groups. Eight states levy nothing on wage income — Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas and Wyoming. Fifteen use a single flat rate, from Arizona’s 2.5% to Pennsylvania’s 3.07% and Illinois’ 4.95%. Twenty-six states and the District of Columbia use graduated brackets, working the same way federal tax does — Alabama with three, Hawaii with twelve, California with ten reaching 13.3% at the top.

    The rate is only half the story, and often the less important half. What separates two states at the same headline rate is what they let you subtract first. Some conform to the federal standard deduction. Others publish their own, far smaller figure — Arizona, Maine and South Carolina never adopted the federal increase, so they still work from roughly $8,350. Pennsylvania allows no deduction or exemption at all. And several states, California among them, hand you a credit against tax instead of a deduction from income, which is a different mechanism with a different value. This tool shows you which one your state uses rather than flattening them all into one number.

    Then there is the honest caveat about the no-tax states: no income tax does not mean no taxes. The money is raised somewhere. States without an income tax generally lean on sales tax, property tax, or taxes aimed at particular industries. Texas and New Hampshire carry some of the heaviest effective property taxes in the country. Washington deserves its own footnote — no wage tax, but a capital gains tax of 7%, rising to 9.9% above $1 million, since 2025.

    Local taxes are the last trap. Maryland’s counties add roughly 2.4% on average, Ohio and Pennsylvania municipalities levy their own, and New York City taxes residents on top of New York State. We flag these wherever they apply to your state and deliberately do not compute them — there are thousands of localities, and pretending otherwise would make the answer look more precise than it could possibly be.

    Starting a business somewhere new? See business formation, or book a free consultation to talk through residency and multi-state filing with a CPA.

    Questions

    State income tax, answered

    Eight states levy no individual income tax at all: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas and Wyoming. New Hampshire joined the list when it repealed its interest and dividends tax for 2025. Washington is the caveat — it has no tax on wages, but it does levy a capital gains tax of 7% (9.9% above $1 million) with a $278,000 standard deduction, so it is not quite tax-free for everyone.

    Not necessarily, and this is the most common mistake people make when comparing states. Revenue has to come from somewhere. States without an income tax typically lean harder on sales tax, property tax, or industry-specific taxes. Texas and New Hampshire have some of the highest effective property taxes in the country; Tennessee and Washington have high combined sales tax rates. Compare the whole burden, not one line of it.

    A flat state applies one rate to all taxable income — fifteen states do this, including Pennsylvania, Illinois and Colorado. A graduated state slices income into brackets taxed at rising rates, the way federal tax works; twenty-six states and DC do this, from Alabama’s three brackets to Hawaii’s twelve. A flat rate is not automatically cheaper: it depends entirely on your income and on the deductions each state allows.

    Because states set their own. Some conform to the federal standard deduction, some publish their own much smaller figure, and a few — Pennsylvania among them — allow no deduction at all. Several states give a personal allowance as a credit against tax rather than a deduction from income, which is a meaningfully different thing. The tool shows which mechanism your state uses.

    Usually the state where you physically perform the work, but there are real exceptions — a handful of states apply a "convenience of the employer" rule that can tax you where your employer sits, and you may owe in two states with a credit for one. Reciprocity agreements between neighbouring states change it again. This is one of the most commonly misfiled situations in personal tax, and worth a conversation rather than a guess.

    Local city and county income taxes, which are significant in Maryland, Ohio, Pennsylvania, New York City, Indiana and Kentucky; state credits and itemised deductions; capital gains treatment; and entity-level taxes on S-corporations. The notes flag these where they apply to your state rather than silently ignoring them.

    Moving states, or working remotely across state lines?

    Residency, sourcing, and reciprocity rules decide who taxes you — and they catch people out. Book a free consultation.

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    Important disclaimer Read

    This calculator is provided for general educational and informational purposes only. It is not tax, legal, accounting, or financial advice, and must not be relied upon as such.

    No professional relationship. Using this calculator does not create a CPA-client, advisory, or any professional relationship between you and IMAAR Associates CPA, PLLC. A professional relationship is established only through a signed engagement letter.

    Estimates only; no warranty of accuracy. Results are approximations based solely on the limited information you enter and on general federal tax figures for the selected year (sources: IRS Rev. Proc. 2024-40 for 2025 and Rev. Proc. 2025-32 for 2026). Tax law is complex and changes frequently. The calculator does not account for all credits, deductions, phase-outs, alternative minimum tax, the qualified business income (QBI) deduction, net investment income tax, state or local taxes, or facts specific to your situation. IMAAR Associates CPA, PLLC makes no representation or warranty, express or implied, as to the accuracy, completeness, or applicability of any result.

    No reliance; hold harmless. You should not make any financial, tax, or business decision based on this calculator alone. Any reliance you place on it is strictly at your own risk. To the fullest extent permitted by law, IMAAR Associates CPA, PLLC disclaims all liability for any loss or consequence arising from use of this tool.

    For advice you can rely on, book a free consultation with a Washington State Licensed CPA.

    Figures: IRS Rev. Proc. 2024-40 (2025) and 2025-32 (2026). Federal figures only — state and local taxes are not included. All calculations run in your browser. Nothing you enter is collected, transmitted, or stored.

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