What we are
StateTaxLab is an independent site that builds free paycheck and state tax calculators. We are not affiliated with the IRS, any state tax agency or any payroll company. Our calculators give estimates for planning — not tax, legal or financial advice.
How the calculators work
- Annual tax first. We compute a full year of each tax from the official rate schedules: federal income tax, Social Security, Medicare, state income tax and state payroll taxes such as California SDI.
- Then per paycheck. Annual amounts are divided by your number of pay periods. Employers use withholding tables built to approximate the same annual tax, so your actual paycheck is usually within a few dollars.
- Everything in your browser. The math runs on your device. We never receive what you type.
- Show the work. Every line in a result can be expanded to show the formula and the source it came from.
What is not included yet
- Local income taxes other than the ones in the calculator’s “City tax” menu. Included so far: Missouri (Kansas City earnings tax, St. Louis earnings tax); New York (New York City income tax, Yonkers resident surcharge); Ohio (Columbus income tax, Cleveland income tax, Cincinnati income tax); Oregon (Metro SHS + Multnomah PFA tax, Metro SHS tax); Pennsylvania (Philadelphia Wage Tax, Pittsburgh EIT + Local Services Tax). Other cities, counties and school districts — for example the earned income taxes in the rest of Pennsylvania and Ohio — are not included yet.
- Second jobs, self-employment tax, investment income, itemized deductions and most credits other than the Child Tax Credit and the credit for other dependents.
- The phase-out of California exemption credits at very high incomes (worth at most a few hundred dollars).
- Withholding quirks such as supplemental (bonus) rates — results show the tax you owe for the year, not a specific check.
Sources
Every rate, bracket and limit is stored in a data file together with the official source below. The site cannot be published if a number is missing its source. Data last checked November 11, 2026.
- IRS Revenue Procedure 2025-32 (tax year 2026 inflation adjustments) — checked November 9, 2026
- IRS news release IR-2025-103: tax year 2026 inflation adjustments — checked November 9, 2026
- IRS Revenue Procedure 2026-35 (tax year 2027 inflation adjustments) — checked November 11, 2026
- IRS news release IR-2026-133: tax year 2027 inflation adjustments — checked November 9, 2026
- SSA: 2026 contribution and benefit base ($184,500) — checked November 9, 2026
- SSA: 2027 contribution and benefit base ($192,300), announced Oct 14, 2026 — checked November 9, 2026
- IRS: What to know about the No Tax on Overtime deduction — checked November 9, 2026
- IRS Schedule 1-A (Form 1040): Additional Deductions — checked November 9, 2026
- Public Law 119-21 (One Big Beautiful Bill Act), sections 70201–70202 — checked November 9, 2026
- California FTB Tax News, October 2026: 2026 tax rate schedules and indexed amounts — checked November 9, 2026
- California EDD: 2026 contribution rates (SDI 1.3%, no wage limit) — checked November 9, 2026
- California FTB: summary of federal OBBBA changes (California does not conform to the tips and overtime deductions) — checked November 9, 2026
- Texas Constitution, Art. 8, §24-a: the legislature may not impose a tax on the net incomes of individuals (no state or local wage tax exists in Texas) — checked November 10, 2026
- Florida Constitution, Art. VII, §5(a): no tax on the income of natural persons may be levied by the state "or under its authority" (which covers counties and cities) — text as quoted in Florida Senate SJR 2496 (2010) — checked November 10, 2026
- Illinois Department of Revenue: 2026 IL-700-T withholding tables (4.95% rate, $2,925 exemption allowance) — checked November 10, 2026
- Illinois Comptroller Payroll Bulletin 1-26: 2026 exemption increased from $2,850 to $2,925 — checked November 10, 2026
- Illinois Department of Revenue: income tax rates — checked November 10, 2026
- Washington ESD: Paid Family & Medical Leave premium rate increases to 1.13% in 2026 — checked November 10, 2026
- Washington Paid Leave: estimate premiums (employee share, WA Cares 0.58% with no wage cap) — checked November 10, 2026
- Washington Department of Revenue: Washington has no personal income tax — checked November 10, 2026
- Tennessee Department of Revenue: no tax on wages; Hall income tax fully repealed for tax years after 2020 — checked November 10, 2026
- Alaska Department of Labor: 2026 unemployment insurance tax rates (employee rate 0.50%, taxable wage base $54,200) — checked November 10, 2026
- Nevada Department of Taxation: Nevada has no personal income tax — checked November 10, 2026
- New Hampshire Department of Revenue Administration: Interest & Dividends Tax repealed for taxable periods beginning on or after January 1, 2025 — checked November 10, 2026
- South Dakota Department of Revenue: no personal income tax — checked November 10, 2026
- Wyoming Department of Revenue: no personal income tax — checked November 10, 2026
- Virginia Tax, Income Tax Withholding Guide for Employers: rate schedule (2%, 3%, 5%, 5.75%), $930 personal and dependent exemption, $800 age-65/blind exemption, $8,750 / $17,500 standard deduction (effective for wages paid after July 1, 2025) — checked November 10, 2026
- Virginia Tax, New Virginia Tax Laws: standard deduction remains $8,750 single / $17,500 joint for Tax Year 2026; increases beginning Tax Year 2027 (amount not yet published) — checked November 10, 2026
- Virginia Tax, Deductions: standard deduction by filing status — checked November 10, 2026
- NCDOR, Tax Rate Schedules: individual income tax rate 3.99% for taxable years after 2025 (S.L. 2023-134) — checked November 10, 2026
- NCDOR, 2026 Income Tax Withholding Tables and Instructions for Employers (NC-30): 3.99% rate for 2026, $12,750 single standard deduction — checked November 10, 2026
- NCDOR, 2021 Personal Taxes Law Changes, G.S. 105-153.5(a)(1): standard deduction $12,750 single / MFS, $19,125 head of household, $25,500 joint (tax years 2022 on) — checked November 10, 2026
- NCDOR, 2023 Personal Taxes Law Changes, G.S. 105-153.7(a1): further rate cuts (to as low as 2.49%) from 2027 only if General Fund revenue triggers are met — checked November 10, 2026
- Utah Code 59-10-104 (effective 1/1/2026): individual income tax rate 4.45% (S.B. 60, 2026 General Session) — checked November 10, 2026
- Utah State Tax Commission, 2025 TC-40, lines 11–20: taxpayer tax credit = 6% of federal standard deduction + $2,111 per dependent, reduced by 1.3% of Utah taxable income over $18,213 single / $27,320 head of household / $36,426 joint (2025 amounts, used until the 2026 amounts are published) — checked November 10, 2026
- Utah State Tax Commission, January 2026 webinar: 2025 rate lowered from 4.55% to 4.5% (H.B. 106); taxpayer tax credit phase-out of 1.3% — checked November 10, 2026
- Missouri DOR, Form MO-1040ES 2026: tax rate chart (0% to $1,348, then 2%–4.7%; 4.7% over $9,436) and standard deduction $16,100 single / $24,150 head of household / $32,200 joint — checked November 10, 2026
- Missouri DOR, 2026 withholding formula (same brackets and standard deduction) — checked November 10, 2026
- Missouri DOR, Form MO-1040 (2025), lines 11–15: federal income tax deduction = federal tax × 35% (Missouri AGI $25,000 or less), 25% (to $50,000), 15% (to $100,000), 5% (to $125,000), 0% above; capped at $5,000 ($10,000 combined); standard deduction; head of household deduction — checked November 10, 2026
- Missouri DOR FAQ: $1,400 additional deduction for head of household and qualifying widow(er) (section 143.161.2 RSMo), claimed on MO-1040 line 15 — checked November 10, 2026
- Section 143.171 RSMo: deduction for federal income tax, percentage by Missouri gross income, tax years beginning on or after January 1, 2019 — checked November 10, 2026
- City of Kansas City, Missouri: earnings tax (1%), paid by everyone who lives or works in Kansas City — checked November 10, 2026
- Kansas City, Missouri tax guide for employers: 1% on residents' wages and on nonresidents' wages for work in the city; taxable earnings exclude cafeteria-plan and qualified deferred-compensation (401(k)) contributions, similar to W-2 box 1 — checked November 10, 2026
- KCUR, April 7, 2026: Kansas City voters renew the 1% earnings tax for five more years — checked November 10, 2026
- City of St. Louis Collector of Revenue: 1% earnings tax on city residents (wherever they work) and on nonresidents for work done in the city — checked November 10, 2026
- City of St. Louis Collector of Revenue: taxable and non-taxable items (deferred compensation such as 401(k), cafeteria plans and HSA contributions are non-taxable for individuals) — checked November 10, 2026
- EY Tax News, May 5, 2026: St. Louis voters approve Proposition E, continuing the 1% earnings tax for five more years (April 7, 2026) — checked November 10, 2026
- Pennsylvania Department of Revenue: personal income tax is levied at 3.07 percent of taxable income — checked November 10, 2026
- PA Personal Income Tax Guide, Gross Compensation (DSM-12): employee contributions to retirement and deferred compensation (401(k)) plans are always taxable PA compensation; section 125 cafeteria-plan health payments are excluded — checked November 10, 2026
- PA Department of Revenue letter ruling PIT-06-005: HSA contributions through a section 125 cafeteria plan are excluded from compensation — checked November 10, 2026
- PA Department of Revenue, Tax Forgiveness (Schedule SP eligibility income tables): 100% tax forgiveness up to $6,500 unmarried / $13,000 married + $9,500 per dependent child; 10 points less for each $250 above, down to 10% — checked November 10, 2026
- PA Department of Labor & Industry: employee UC contribution rate 0.07% of gross wages (2023 and thereafter) — checked November 10, 2026
- City of Philadelphia, Wage Tax (employers): 3.74% resident / 3.43% non-resident from July 1, 2025; 3.735% / 3.425% from July 1, 2026 — checked November 10, 2026
- City of Philadelphia Department of Revenue: 401(k) deferrals and pre-tax section 125 benefits (medical, dental, vision, HSA, FSA) are subject to the Wage Tax — checked November 10, 2026
- City of Pittsburgh Department of Finance, Taxes: residents' earned income tax 3% (1% city + 2% school district); non-Pennsylvania residents working in the city 1%; Local Services Tax $52 a year, exempt if earned income in the city is under $12,000 — checked November 10, 2026
- Ohio Revised Code 5747.02(A)(3)(c) as amended by H.B. 96 (2025): for taxable years beginning in 2026 and thereafter, $332.00 plus 2.75% of Ohio taxable nonbusiness income over $26,050; no tax at or below $26,050 — checked November 10, 2026
- Ohio Department of Taxation, Annual Tax Rates: 2025 schedule ($342 + 2.75% over $26,050; 3.125% over $100,000) for comparison — checked November 10, 2026
- Ohio Department of Taxation, 2025 IT 1040 instructions, line 4: personal and dependent exemption $2,400 (MAGI $40,000 or less), $2,150 ($40,001–$80,000), $1,900 (above $80,000) — checked November 10, 2026
- Ohio Revised Code 5747.025 as amended by H.B. 96: no personal or dependent exemptions at modified AGI of $500,000 or more from 2026 ($750,000 for 2025) — checked November 10, 2026
- City of Columbus Income Tax Division, 2025 IR-25 instructions: tax rate 2.5%; residents taxed on all income with 100% credit for tax paid elsewhere up to 2.5%; non-residents taxed on income earned in Columbus; wages taxable before 401(k) deferrals — checked November 10, 2026
- City of Columbus, IT-11 employer instructions: municipal tax is on qualifying wages (Ohio Rev. Code 718.01) — Medicare wages; 401(k) deferrals stay taxable — checked November 10, 2026
- Central Collection Agency (City of Cleveland), 2026 withholding form: Cleveland tax rate 2.5% — checked November 10, 2026
- City of Cincinnati Income Tax Division: 1.8% rate (effective Oct. 2, 2020) for everyone who lives or works in Cincinnati; residents credited for tax paid to other cities up to 1.8% — checked November 10, 2026
- Oregon Department of Revenue, 2026 Oregon Withholding Tax Formulas (150-206-436, rev. 12-31-25): rates 4.75% / 6.75% / 8.75% / 9.9% (single brackets $4,550, $11,400, $125,000; married $9,100, $22,800, $250,000); federal tax subtraction up to $8,750, stepping down from $125,000 ($250,000 married) to zero at $145,000 ($290,000); $263 per exemption credit, none above $100,000 ($200,000 married) — checked November 10, 2026
- Oregon Department of Revenue, 2026 Combined Payroll Tax Report instructions: standard deduction $2,910 single / $4,685 head of household / $5,820 joint; statewide transit tax 0.1%; Paid Leave Oregon 1% with a 60% employee share, wages up to $184,500 — checked November 10, 2026
- City of Portland Revenue Division (administers both taxes): Metro SHS 1% and Multnomah County Preschool for All 1.5% / additional 1.5% personal income taxes, thresholds by filing status — checked November 10, 2026
- City of Portland Revenue Division, Metro SHS personal income tax: thresholds $125,000 single / $200,000 joint for 2021–2025, $128,000 / $205,000 for 2026 (adjusted for inflation from 2026); joint status includes married filing jointly, head of household and qualifying surviving spouse — checked November 11, 2026
- Multnomah County: Preschool for All tax 1.5% on taxable income above $125,000 ($200,000 joint) and an additional 1.5% above $250,000 ($400,000 joint) — checked November 10, 2026
- NYS Department of Taxation and Finance, Publication NYS-50-T-NYS, withholding tables effective January 1, 2026: rates 3.9%, 4.4%, 5.15%, 5.4%, 5.9% on the lower brackets ($8,500, $11,700, $13,900, $80,650) — checked November 11, 2026
- NYS Department of Taxation and Finance, IT-201 instructions (2025): standard deduction $8,000 single / $11,200 head of household / $16,050 joint; $1,000 per dependent; bracket thresholds; tax computation worksheets for NY AGI over $107,650 (recapture); New York City tax rate schedules 3.078%–3.876% — checked November 11, 2026
- New York Department of Financial Services, 2026 Paid Family Leave premium rate: 0.432% of wages, maximum annual employee contribution $411.91 — checked November 11, 2026
- NYS Workers' Compensation Board: an employee's disability benefits contribution is one-half of one percent of wages, but no more than sixty cents a week (Workers' Compensation Law §209) — checked November 11, 2026
- NYS Department of Taxation and Finance, memo N-14-4: Yonkers resident income tax surcharge 16.75% of net state tax from tax year 2014; nonresident earnings tax stays 0.5% of wages — checked November 11, 2026
State maps are drawn from “Blank US Map (states only)” on Wikimedia Commons, dedicated to the public domain (CC0).
How we check accuracy
Before a state goes live, our test suite reproduces the official tax tables — for example, the base tax printed at the start of every bracket in the IRS and California rate schedules — and hand-worked examples for low, middle and high incomes. Results are also compared with official and widely used payroll calculators. A state is not published until every check passes.
When we update
- October: Social Security wage base for the next year.
- October–November: IRS inflation adjustments (brackets, standard deduction, credits).
- November–January: state rate schedules and payroll tax rates.
- Any time: new federal or state laws.
Until a state publishes next year’s figures, its calculator uses the latest published year and says so. Every change is recorded in the data changelog. Spotted something wrong? Please tell us.