State Income Tax Estimator (2026)
Forty-one states impose a broad income tax, nine don’t, and Washington taxes capital gains separately. Local taxes in New York City and Yonkers stack on top. This is where generic federal-only calculators go silent.
10-bracket graduated system; top 13.3% above $1,000,000 (single). Adds a 1% mental-health surtax above $1M (included in 13.3%) and a 1.1% payroll/SDI tax on wages (not in topRate). HoH/MFS/QS thresholds approximated from single/joint — verify against CA FTB.
Not tax, legal, or financial advice
FiscTalk provides general educational information from public sources. Tax outcomes depend on your full facts, filing history, and jurisdiction-specific rules that change yearly. Before filing or making decisions, consult a licensed CPA, EA, or attorney. FiscTalk is not a fiduciary and is not affiliated with the IRS or any state agency.
Sources & methodology
- Tax Foundation — State Individual Income Tax Rates and Brackets, 2026 — Tax Foundation
- California Franchise Tax Board — 2026 tax rates & brackets — California Franchise Tax Board
What this tool does
How to use it
- 1Pick your state (or compare later with the state-vs-state tool).
- 2Select your filing status — single or married filing jointly.
- 3Enter your state taxable income (typically federal AGI minus your state adjustments).
- 4Read the result cards for structure, top rate, state tax, and effective rate including local taxes.
Worked examples
Run the same scenario through the calculator above to verify every number — they come from the same sourced dataset.
$30,000 taxable income, single filer
$80,000 taxable income, single filer
$150,000 taxable income, single filer
What this tool does not cover
- State-level credits, nonresident apportionment, and many itemized adjustments are not modeled.
- Local taxes are included only for NYC and Yonkers; a handful of other localities impose wage taxes.
- Community-property, convenience-rule, and part-year scenarios need the residency wizard for a complete picture.
Common questions
Which states have no income tax in 2026?
Nine states have no broad individual income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Washington taxes capital gains separately, and New Hampshire taxes interest and dividends.
What is the highest state income tax rate?
California has the highest top marginal rate at 13.3% in 2026, followed by Hawaii, New Jersey, New York, and Oregon above 9%.
Do I pay state income tax where I work or where I live?
Usually where you live, but you may owe tax to your work state for wages earned there unless a reciprocity agreement applies. About a dozen states have reciprocity with neighbors; New York-style convenience rules can also tax remote work.
Does New York City have its own income tax?
Yes. New York City residents pay a local income tax on top of New York State tax, and Yonkers has its own local tax as well. Few other cities impose a wage tax for residents.