State Tax Estimate Calculator

2026 · SALT limit $40,400 with the high-income phase-down · All 50 states + DC · Live vs. work state guidance

Looking for your state's dedicated 2026 calculator? Jump to all 50 states + DC ↓

2026 tax inputs and methodology reviewed by Deepak Middha, Chartered AccountantPassed the Series 65 examinationMethodology Editorial standardsMethodology reviewed July 25, 2026

Income & Filing

Adjusted gross income (AGI)

Also used as the MAGI approximation for the SALT phase-down

Filing status

Live vs. work state guidance

State you LIVE in

State you WORK in

Federal SALT deduction (2026)

For 2026 the state and local tax deduction is limited to $40,400 ($20,200 if married filing separately). The limit is reduced by 30% of the amount your MAGI exceeds $505,000 ($252,500 if married filing separately), but never below $10,000 ($5,000 if married filing separately). It limits the deduction, not the tax you paid, and only helps if you itemize.

Real-property taxes paid

Real estate taxes on property you own

State & local income taxes paid

From W-2 box 17 or estimated payments — or general sales taxes if you claim those instead

Eligible personal-property taxes

Value-based vehicle or boat taxes only — flat registration fees don't qualify

Mortgage interest

For the itemized-deduction comparison

Charitable contributions

Other itemized deductions you expect to claim

Marginal federal rate

Enter the state and local income tax you actually paid — the state estimate above is not added in, so nothing is counted twice. Claim either state and local income taxes or general sales taxes, not both. This estimate uses your AGI. Taxpayers with excluded foreign or U.S. territorial income must add it back when computing MAGI for the SALT phase-down.

State Tax Summary

Illinois (resident state)$4,809

Estimated resident-state tax$4,809

Effective state rate: 4.81%

Estimate only. This calculator may not include all state deductions, exemptions, or credits, and it does not calculate local, county, or city taxes, part-year residency, nonresident returns, resident credits, or reciprocity outcomes. Not your exact tax liability.

2026 federal SALT deduction

SALT paid (income/sales + real + personal property)$11,000

Base 2026 SALT limit (Single)$40,400

MAGI used (your AGI)$100,000

MAGI phase-down threshold$505,000

Phase-down (30% of MAGI over threshold)$0

Adjusted SALT limit$40,400

Deductible SALT$11,000

Amount disallowed$0

Estimated federal tax effect$2,136

Assumptions: MAGI is approximated with the AGI you entered; the federal tax effect values only the amount by which itemizing beats the standard deduction, at the marginal rate you selected; the SALT amount is capped before the tax saving is computed. Educational estimate only.

Standard vs Itemized (Federal)

Standard

$16,100

Itemized ✅

$25,000

You should itemize — adds $8,900 more deductions than the standard deduction. Actual tax savings = this amount × your marginal rate.

Pick your state

Dedicated 2026 tax calculators are available for all 50 states and Washington, D.C. — each with that state's brackets and rates, retirement-income treatment, take-home pay, its own official sources, and its own last-verified date.

Graduated 2%–5.75% + county

MassachusettsLive

Graduated 5%–9% (+4% surtax)

MichiganLive

Flat 4.25% + city

MinnesotaLive

Graduated 5.35%–9.85%

Graduated 2.46%–4.55%

Graduated 1.4%–10.75%

New MexicoLive

Graduated 1.7%–5.9%

New YorkLive

Graduated 4%–10.9% + NYC/Yonkers

Graduated 0%–2.75% + municipal

OklahomaLive

Graduated 0.25%–4.75%

Graduated 3.75%–5.99%

South CarolinaLive

Graduated 1.99%–5.21%

Graduated 3.35%–8.75%

Graduated 2.11%–4.58%

Popular take-home pay examples

See estimated 2026 after-tax pay for a common salary in these states.

California — $120,000 take-home →Texas — $100,000 take-home →New York — $80,000 take-home →

Methodology and sources

How the State Tax Estimate Calculator works for tax year 2026, what it leaves out, and the official material behind its figures. Reviewed by Deepak Middha, Chartered Accountant · Data, formulas and sources last re-verified July 25, 2026.

What this calculator estimates

State income tax on wage, business, and retirement income
Your state effective rate and how it compares with other states
Whether your state taxes Social Security or other retirement income
Your 2026 federal SALT deduction limit after the high-income phase-down, and how much of the state and local tax you paid is deductible

What it does not calculate

Local, county, or municipal income taxes
Every state credit, subtraction, or add-back
Part-year residency, multi-state allocation, or nonresident return outcomes
State reciprocity agreements and nonresident return outcomes are not automatically calculated unless specifically shown in the result
Convenience-of-the-employer rules, remote-work sourcing, or spouse-specific multi-state rules
Federal income tax (use the Federal Income Tax Calculator)

Formula summary

Federal AGI is used as the starting point for most states
State-specific standard deduction, personal exemption, or subtraction is applied
The resulting state taxable income is run through that state's flat rate or bracket schedule
State-level credits shown on the state page are applied where they can be modelled generically
SALT: start from the 2026 applicable limitation of $40,400 ($20,200 married filing separately)
SALT: reduce that limitation by 30% of the amount by which MAGI exceeds $505,000 ($252,500 married filing separately)
SALT: the reduced limitation never falls below $10,000 ($5,000 married filing separately)
SALT: your deductible amount is the lesser of the eligible taxes you paid and that limitation — the limitation caps the DEDUCTION, not the tax you paid
SALT only produces a federal benefit if your total itemized deductions exceed your standard deduction

Tax-year assumptions

Uses each state's enacted 2026 figures where published
Where a state has not yet released 2026 figures, the latest enacted values are used and flagged on that state's page
Every state page carries its own last-verified date, drawn from the same data as this calculator
The 2026 SALT limitation, threshold, and floor are the enacted figures for tax year 2026 and are indexed in later years

Filing-status assumptions

Single and married filing jointly are modelled for every state
Head of household and married filing separately use single-filer state brackets and deductions, which is an approximation flagged on the page; the federal SALT limitation uses the correct figures for the status you choose
Assumes full-year residency in one state
States that require a filing status matching the federal return are treated that way

Important exclusions

City and county wage taxes, including those in Ohio, Pennsylvania, and New York City
Reciprocity agreements are described as guidance and are not automatically applied to your state tax result
MAGI is approximated with the AGI you enter; taxpayers with excluded foreign or U.S. territorial income must add it back
General sales taxes claimed instead of state and local income taxes, which are not collected as a separate input
Property, sales, and estate taxes, which are described but not calculated

Official sources used on this page

Educational use only — these figures are estimates, not a tax filing or personalized advice. Read the editorial methodology or report a correction.