Why does this state calculator ask for an effective rate?
State income-tax systems are not uniform. States use different brackets, deductions, credits, filing rules and local taxes, and these rules can change. A transparent user-entered effective rate avoids presenting a generic formula as if it were an official state return calculation.
How do I choose the effective state rate?
Use a current state tax agency estimate, the effective rate from a recent state return when your circumstances are similar, or another documented planning assumption.
Does selecting a state automatically load its 2026 tax brackets?
No. The state selector labels the estimate and helps you keep the scenario organized. The rate must be entered by you so the page does not silently use stale or oversimplified state rules.
Can this include local income tax?
If you want a combined planning estimate, you can enter a combined effective state-and-local rate. Check the relevant state and local tax agencies before making important decisions.
Frequently asked questions
Sources and methodology
The calculator uses the current federal figures or official agency guidance described below where those rules apply. State-specific results should always be checked with the relevant state tax authority.