Why State Matters for Your Paycheck
Federal income tax and FICA (Social Security and Medicare) are the same no matter where you live in the U.S. — but state income tax varies enormously. Nine states charge no income tax at all, several apply a single flat rate to every dollar, and others (like California and New York) use progressive brackets where your rate climbs as you earn more. That difference can easily be worth several thousand dollars a year in take-home pay for the same salary.
How These Calculators Work
Each state page above uses that state's actual, current 2026 income tax rules — real brackets for progressive states, the correct flat rate for flat-tax states, and $0 state tax for states with none — combined with 2026 federal tax brackets and standard FICA withholding (6.2% Social Security, 1.45% Medicare). That's more accurate than typing in a guessed "estimated state tax rate," which is how most generic paycheck calculators handle state taxes.
More states are being added regularly. Don't see your state yet? Check back soon, or use the generic paycheck calculator in the meantime and enter your own estimated state tax rate.
Frequently Asked Questions
Why don't some states have an income tax? Nine states — including Texas and Florida in the list above — choose to fund state government primarily through sales tax, property tax, or (in a couple of cases) energy revenue instead of taxing wages.
Do these calculators include local or city taxes? No. Some cities and counties (like New York City or many Pennsylvania municipalities) charge their own local income tax on top of the state rate — that's called out on the relevant state pages but isn't included in the calculation itself, since local rates vary block by block.
Are these the same brackets I'll file with next spring? These are the state's official 2026 withholding-year brackets as published by each state's tax authority. Tax law can change from one year to the next, so always confirm against your state's department of revenue when it's time to file.