Built for the cases AI gets wrong
U.S. tax tools that respect every state line
Generic calculators and chat assistants flatten the U.S. into one federal number. FiscTalk models the parts that actually vary — per-state rates, multi-state residency, convenience rules, and high-net-worth structures — with every figure dated and sourced for tax year 2026.
Why a static, source-verified site
- 41 states layer their own brackets, credits, and local taxes on top of federal.
- Nine states have no broad income tax — and Washington taxes capital gains separately.
- Working in two states can trigger dual residency, reciprocal agreements, and convenience-rule traps.
- OBBBA 2025 permanently changed SALT, QBI, QSBS, and the estate exemption.
Calculators & estimators
Every input maps to a published 2026 figure. No black boxes.
Federal Income Tax Estimator
2026 brackets, standard deduction, and effective-rate breakdown by filing status.
CalculatorState Income Tax Estimator
All 50 states + DC, including NYC/Yonkers local tax and reciprocity notes.
CalculatorSelf-Employment & QBI
15.3% SE tax plus the 20% QBI deduction with 2026 phase-in ranges.
CalculatorCapital Gains Tax
Long-term 0/15/20% rates, NIIT surtax, and the 23.8% high-earner ceiling.
CalculatorW-4 Withholding
Model 2026 payroll withholding from IRS Pub. 15-T tables.
CalculatorEstate Tax
The $15M per-person exclusion and portability for 2026 decedents.
CalculatorGift & GST
Annual exclusion, lifetime gift usage, and generation-skipping tax.
ReverseReverse Tax (Target Net)
What gross income do you need to hit a target take-home? Reverse-solve it.
Compare & reverse tools
The differentiators — multidimensional comparison and reverse solving.