Income tax calculator by state
Your income tax is federal tax plus FICA plus state tax. Federal tax uses progressive brackets from 10% to 37% on income above the standard deduction. FICA is 7.65% (Social Security on wages up to $184,500 in 2026). Your effective rate is always lower than your top bracket.
Estimate how much income tax you'll pay — federal, FICA and state — with your effective and marginal rate. Pick your state below; everything runs instantly in your browser.
Estimate only. Based on 2024 federal brackets, FICA and an approximate average state rate. Your exact tax depends on deductions, credits and local taxes.
Effective vs. marginal tax rate
Your marginal rate is the tax on your next dollar of income — the top federal bracket you reach. Your effective rate is your total tax divided by your income, which is always lower because the first brackets are taxed at lower rates. The calculator above shows both.
Self-employed income
If you earn 1099 or business income, use the self-employment tax calculator or the 1099 tax calculator to include the 15.3% SE tax and quarterly estimates.
Approximate state income tax rates
Simplified average effective rates used by the calculator. Nine states levy no income tax on wages.
| State | Approx. rate |
|---|---|
| Alabama | 4.00% |
| Alaska | No income tax |
| Arizona | 2.50% |
| Arkansas | 3.90% |
| California | 6.00% |
| Colorado | 4.40% |
| Connecticut | 5.00% |
| Delaware | 5.20% |
| District of Columbia | 6.50% |
| Florida | No income tax |
| Georgia | 5.39% |
| Hawaii | 7.00% |
| Idaho | 5.80% |
| Illinois | 4.95% |
| Indiana | 3.05% |
| Iowa | 3.80% |
| Kansas | 5.00% |
| Kentucky | 4.00% |
| Louisiana | 3.00% |
| Maine | 5.80% |
| Maryland | 4.75% |
| Massachusetts | 5.00% |
| Michigan | 4.25% |
| Minnesota | 6.80% |
| Mississippi | 4.40% |
| Missouri | 4.70% |
| Montana | 5.90% |
| Nebraska | 5.20% |
| Nevada | No income tax |
| New Hampshire | No income tax |
| New Jersey | 5.00% |
| New Mexico | 4.70% |
| New York | 6.00% |
| North Carolina | 4.50% |
| North Dakota | 2.50% |
| Ohio | 3.50% |
| Oklahoma | 4.75% |
| Oregon | 8.75% |
| Pennsylvania | 3.07% |
| Rhode Island | 4.75% |
| South Carolina | 6.20% |
| South Dakota | No income tax |
| Tennessee | No income tax |
| Texas | No income tax |
| Utah | 4.55% |
| Vermont | 6.60% |
| Virginia | 5.75% |
| Washington | No income tax |
| West Virginia | 5.10% |
| Wisconsin | 5.30% |
| Wyoming | No income tax |
Estimate only. Actual tax depends on brackets, deductions, credits and local taxes. This tool is for educational use, not tax advice.
Income tax calculator FAQ
- What is the difference between marginal and effective tax rate?
- Your marginal rate is the federal bracket that applies to your last dollar of income (10% to 37%). Your effective rate is your total tax divided by your income. It is always lower, because the first part of your income is taxed in the lower brackets.
- How is FICA tax calculated in 2026?
- FICA is 7.65% of wages for employees: 6.2% Social Security on earnings up to $184,500 in 2026, plus 1.45% Medicare on all wages. An extra 0.9% Medicare tax applies to wages above $200,000 for single filers.
- Which states have no income tax on wages?
- Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming do not tax wage income. You still pay federal income tax and FICA.
- What is the standard deduction for 2026?
- For 2026 the federal standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly. Only income above the deduction is taxed by the federal brackets.
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