Tax Calculator

Paycheck Tax Calculator

Updated for 2026 — IRS Rev. Proc. 2025-32

2026 Salary Comparison by State

Enter any salary and instantly see how much you keep in all 50 states after federal tax, state income tax, and FICA — sorted by take-home, biweekly pay, or effective rate.

By Sammy S. · Founder · AuthorUpdated for 2026

50

States compared

9

No-income-tax states

~$13K

Max annual difference

Free

No signup needed

Head-to-head

Compare two states side by side

Choose any two states to compare take-home pay, state taxes, cost of living, and the income gap from $50,000 to $500,000.

Compare any two states

Opens a dedicated take-home page with $100k scoreboard, income ladder, and FAQ.

2026 Take-Home Pay — All 50 States Ranked

Enter any salary to instantly rank every US state by after-tax take-home pay. Sort using the controls below, then tap any state to expand details.

$
Showing 50 statesBest: $79,180/yrWorst: $71,666/yrDifference: $7,514/yr

Single filer, 2026 IRS rates, standard deduction, no 401(k) or HSA contributions. Monthly = annual ÷ 12; Semi-monthly = annual ÷ 24 (24 paychecks/yr); Biweekly = annual ÷ 26 (26 paychecks/yr). FICA = 6.2% Social Security + 1.45% Medicare. Tap any state to see full breakdown.

Salary & tax profiles by state

Open a dedicated 2026 page for any state — take-home ladder, income tax rates, sales & property tax, cost of living, pros & cons, and FAQs (same depth as our Colorado vs Texas comparisons, for one state).

Frequently Asked Questions
Take-home rankings, no-tax states, FICA, pay frequency, and relocation gaps for 2026.

Eight no-wage-income-tax states tie at the top of the $100k single-filer ranking (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, and Wyoming). Washington also has no wage income tax but keeps slightly less when employee payroll premiums are modeled. At a $100,000 salary in 2026, that top cluster keeps roughly $6,000–$8,000 more per year than high-tax states like California or Hawaii — about $79,180 at the top (ties broken by name for table order). Use the interactive table above for your exact salary.

The difference depends on your salary and which states you compare. At $100,000 (single filer, 2026), the gap between the highest and lowest take-home states is roughly $10,000–$13,000 per year — or $800–$1,100 per month (about $7,514 between Alaska and Hawaii in this table). Enter your salary above for a precise gap.

Biweekly pay means a paycheck every two weeks — 26 paychecks per year. Semi-monthly means twice a month (e.g. 1st and 15th) — 24 paychecks per year. Annual take-home is identical either way; only the per-paycheck amount differs. Biweekly: annual take-home ÷ 26. Semi-monthly: annual take-home ÷ 24.

State income tax works one of three ways: (1) No tax on wages — nine states. (2) Flat rate — one percentage on taxable income (e.g. Arizona, Colorado, Illinois). (3) Progressive brackets — higher rates on higher income (e.g. California up to 13.3%, New York up to 10.9%). Most states allow a standard deduction or exemption. This table uses each state's 2026 rules in our US tax engine.

Federal FICA rates are identical nationwide: employees pay 6.2% Social Security on wages up to $184,500 (2026 wage base) and 1.45% Medicare on all wages (plus 0.9% Additional Medicare Tax above $200,000 single / $250,000 MFJ). Your employer matches the 6.2% + 1.45% portion. Ranking gaps still come mainly from state income tax, but some states also withhold employee disability or paid-family-leave premiums (for example Washington), which can separate otherwise similar no-income-tax peers.

Some do. States without wage income tax often rely more on property tax, sales tax, or fees. Texas property taxes are often high; Nevada and Washington have above-average sales taxes. For pure paycheck take-home, no-income-tax states win — total household burden still depends on housing and spending.

Effective rate = (gross salary − take-home) ÷ gross salary × 100. It combines federal income tax, state income tax, and FICA. That differs from your marginal rate (the rate on the next dollar). Effective rate is what you actually pay across all withholdings shown here.

In Texas (no state income tax), a $100,000 salary for a single filer (2026) yields approximately $79,180 in annual take-home after federal income tax and FICA. Florida is similar at about $79,180. Use the $100,000 ranking table above for all 50 states.

In California, a $100,000 salary for a single filer (2026) yields approximately $72,794 — about $6,386 less per year than Texas ($79,180). California's progressive state tax (1%–13.3%) adds several thousand dollars on top of federal tax and FICA for a $100k earner.

At $100,000 (single filer, 2026): about +$6,386/year (+$532/month). At $150,000: about +$11,686/year. At $200,000: about +$16,986/year. See the relocation savings table on this page for more salary levels.

For pure take-home pay, the no-income-tax states lead. At $200,000 (2026), Texas yields about $148,927 vs about $131,941 in California — a gap of roughly $16,986/year. Washington (Seattle) and Nevada are popular for tech: no wage income tax plus major tech hubs. Cost of living still matters.

At $75,000 (single filer, 2026), take-home ranges from about $61,593 in Alaska to about $56,096 in Maryland — a gap of roughly $5,496 per year. Federal income tax and FICA apply everywhere; state income tax and any modeled employee state payroll premiums drive the remaining differences.

At $100,000 (single filer, 2026), New York take-home is about $74,289 vs about $79,180 in Florida — Florida keeps roughly $4,891 more per year because it has no state wage income tax. NYC local taxes can widen the gap further (not always modeled the same as statewide NY).

Most rows use statewide rules (federal + state + FICA). Some localities (e.g. NYC, certain Ohio cities) add local income tax that can reduce take-home further. Treat rankings as statewide baselines; check city rules if you live in a local-tax jurisdiction.

This hub ranks single filers for consistency. MFJ widens federal brackets and may change state brackets or credits, so absolute take-home rises, but no-tax vs high-tax state order usually stays similar. Use the US calculator by state for MFJ scenarios.

Usually you owe state income tax where you live and perform the work, with exceptions (convenience rules, reciprocity, multi-state withholding). This table assumes you live and work in the state shown. Cross-state remote setups may need a tax professional.

No. Figures assume gross wages with standard federal/state tax and FICA only — no pre-tax 401(k), HSA, FSA, or other benefits. Pre-tax deferrals would lower taxable income and change take-home.

This comparison focuses on wage take-home (federal income tax, state wage income tax, FICA). Washington has no wage income tax but does have other business/capital rules; Texas has no wage income tax but high property tax. Those don’t change the paycheck ranking the same way state wage tax does.

We update federal brackets and state rules used by the calculator for 2026. States change rates mid-year sometimes — verify with your state DOR or payroll for filing. Figures are estimates, not tax advice.

Use /compare for pairs like California vs Texas, or open dedicated state profiles from the directory on this page for rates, cost of living, and state-specific FAQs.

Results use 2026 IRS federal tax brackets (IRS Rev. Proc. 2025-32), 2026 state income tax rates, and the 2026 Social Security wage base ($184,500). Assumes standard deduction, no pre-tax deductions, no credits. Actual withholding may differ. For exact numbers, use the US tax calculator or your employer's payroll system.