Income Tax Calculator by State
Estimate your 2025 federal income tax, state income tax, and FICA — with take-home pay for any of the 50 states plus DC.
How to Use the Income Tax Calculator by State
- 1Enter your annual gross income and select your filing status (Single, Married Filing Jointly, or Head of Household).
- 2Select your state from the dropdown — the calculator automatically applies that state's tax structure.
- 3Optionally enter pre-tax deductions like 401(k) or HSA contributions.
- 4Optionally override the built-in state rate with your own known effective rate for a more precise estimate.
- 5Review your estimated federal tax, state tax, FICA, total tax, effective rate, and take-home pay (annual, monthly, and bi-weekly).
- •Nine states (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming) have no state income tax on wages.
- •For progressive-bracket states, the tool shows the top marginal rate as an upper-bound estimate — your actual effective rate is usually lower.
About the Income Tax Calculator by State
Your take-home pay depends on three main deductions from your gross income: federal income tax, state income tax (which varies enormously by state — from 0% to over 13%), and FICA payroll taxes (Social Security and Medicare). This calculator estimates all three at once using the current 2025 tax year IRS federal brackets and standard deduction, plus each state's income tax structure.
Because state income tax systems vary so much — some states have no income tax at all, some use a single flat rate, and others use progressive brackets like the federal system — this tool clearly labels which type applies to your selected state, and lets you override the estimate with your own known effective rate if you want a more precise number.
How Your Tax Estimate Is Calculated
Federal tax is calculated progressively using the 2025 IRS tax brackets: your income is taxed in layers, with only the portion of income inside each bracket taxed at that bracket's rate (not your whole income at your top rate). The 2025 standard deduction is subtracted from your gross income (along with any pre-tax deductions you enter) before applying the brackets.
State tax depends on your state's system:
- No income tax (9 states): $0 state tax on wages.
- Flat tax (14 states): one rate applied to your taxable income — this is an exact calculation.
- Progressive brackets (27 states + DC): this calculator shows an estimate using the state's top marginal rate, which is an upper bound — your true effective state rate is usually somewhat lower, since lower brackets are taxed at lower rates.
FICA is calculated as a simplified flat 7.65% of gross income (6.2% Social Security + 1.45% Medicare), which is accurate for most incomes below the Social Security wage base limit.
2025 Federal Tax Brackets & Standard Deduction
2025 Federal Tax Brackets — Single Filers
| Rate | Taxable Income Range |
|---|---|
| 10% | $0 – $11,925 |
| 12% | $11,925 – $48,475 |
| 22% | $48,475 – $103,350 |
| 24% | $103,350 – $197,300 |
| 32% | $197,300 – $250,525 |
| 35% | $250,525 – $626,350 |
| 37% | $626,350+ |
Source: IRS 2025 tax year brackets (filed in 2026). Standard deduction: $15,750 (Single), $31,500 (Married Filing Jointly), $23,625 (Head of Household).
State Income Tax Types (2025)
| Type | States |
|---|---|
| No income tax | AK, FL, NV, NH, SD, TN, TX, WA, WY |
| Flat rate | AZ, CO, GA, ID, IL, IN, IA, KY, LA, MI, MS, NC, PA, UT |
| Progressive brackets | All other states plus DC |
Progressive-bracket states show their top marginal rate in this calculator as an upper-bound estimate.
Why This Calculator Uses a Simplified State Tax Estimate
Building a fully precise calculator for all 50 states' progressive tax brackets, standard deductions, exemptions, and credits would require tracking dozens of separate bracket tables that change every year — well beyond what a quick estimate tool can reliably maintain. Instead, for progressive-bracket states, this calculator shows the top marginal rate as a conservative upper-bound estimate of your state tax liability.
If you know your actual effective state tax rate from a prior year's return or a state-specific calculator, use the "override with a known/effective state tax rate" option for a much more accurate estimate tailored to your situation.
States With No Income Tax
Nine states currently levy no state income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire repealed its tax on interest and dividend income effective January 1, 2025, making it a true no-income-tax state going forward. Washington has no general income tax, though it does levy a capital gains excise tax on high earners — this does not apply to ordinary wage income, which is what this calculator estimates.
Living in one of these states can meaningfully increase take-home pay compared to a high-tax state at the same gross salary — this calculator makes that difference easy to see by switching the state dropdown.
Who Uses This Calculator?
- ✓Job seekers comparing take-home pay for offers in different states
- ✓People considering relocating and wanting to understand the tax impact
- ✓Employees estimating their paycheck before a new job starts
- ✓Freelancers and gig workers estimating their annual tax liability
- ✓Anyone curious how much of their salary goes to federal tax, state tax, and FICA
Limitations & Notes
Known Limitations
- •This is a simplified estimate — it does not account for itemized deductions, tax credits (like the Child Tax Credit or EITC), local/city income taxes, or self-employment tax.
- •Progressive-bracket states show their top marginal rate as an upper-bound estimate, not an exact bracket-by-bracket calculation — your actual state tax is usually somewhat lower.
- •FICA is calculated as a flat 7.65% and does not account for the Social Security wage base cap or the additional 0.9% Medicare surtax on very high earners.
- •This tool is for general planning purposes only and is not tax advice — consult a tax professional or your state's department of revenue for exact figures.
Tips
- →If you know your effective (not marginal) state tax rate from a previous return, use the custom rate override for a more accurate estimate.
- →Enter your actual pre-tax deductions (401(k), HSA, traditional IRA) to get a more realistic taxable income figure.
- →Use this tool for planning and comparison purposes, and file with official IRS and state tax software or a professional for your actual return.
Frequently Asked Questions
- Which states have no income tax?
- Nine states have no state income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Washington does levy a capital gains excise tax on high earners, but this does not apply to ordinary wage income.
- What are the 2025 federal tax brackets?
- For 2025, the federal brackets are 10%, 12%, 22%, 24%, 32%, 35%, and 37%, with thresholds that vary by filing status. For single filers, the 10% bracket applies up to $11,925, 12% up to $48,475, 22% up to $103,350, and so on up to the 37% top bracket starting at $626,350.
- Why does this calculator show my state tax as an estimate?
- States with progressive tax brackets (rather than a single flat rate) tax different portions of your income at different rates, similar to the federal system. Rather than maintaining exact bracket tables for dozens of states, this calculator shows the state's top marginal rate as a conservative upper-bound estimate — you can override it with your own known effective rate for more precision.
- What is FICA and how much is it?
- FICA stands for the Federal Insurance Contributions Act and funds Social Security and Medicare. It totals 7.65% of most wages: 6.2% for Social Security (up to an annual wage base limit) and 1.45% for Medicare (with no cap, plus an additional 0.9% surtax on very high earners).
- Is this calculator accurate enough to file my taxes?
- No — this tool is designed for quick planning and comparison estimates, not for filing an actual tax return. It does not account for itemized deductions, tax credits, local taxes, or many other factors that affect your real tax liability. Use official IRS/state tax software or a tax professional to file.
- How is take-home pay calculated?
- Take-home pay (net income) is your gross income minus federal income tax, state income tax, and FICA. This calculator shows the result as an annual figure, plus monthly and bi-weekly equivalents for easier budgeting.
Looking for more calculator tools? Browse all Calculator Tools
More Calculators
Salary Calculator
Convert hourly wage to annual salary and calculate take-home pay after tax free online. Works for US federal and state tax estimates.
Compound Interest Calculator
Calculate compound interest growth on savings and investments free online. See how money grows over time with annual, monthly, or daily compounding.
Percentage Calculator
Calculate percentages, percentage change, and what percent one number is of another. Free online percentage calculator for everyday math.
You Might Also Like
Work Time Calculator With Lunch
Calculate hours worked between a clock-in and clock-out time, minus your lunch break. Free work time calculator with decimal hours and pay estimate.
Timesheet Calculator With Lunch
Free weekly timesheet calculator with lunch breaks. Enter clock-in/out times for each day and get daily totals, weekly hours, overtime, and estimated pay.
Tip Calculator
Calculate tips and split bills free online. Enter your bill total, tip percentage, and number of people to instantly see tip amount and per-person cost.
This calculator provides estimates for general planning purposes only and is not tax advice. Consult a qualified tax professional or your state's department of revenue for your exact tax liability.