Estimate your potential state and federal tax liability based on your income and filing status. Please note: this is an estimation tool and actual tax amounts may vary. Consult a tax professional for personalized advice.
Single
Married Filing Jointly
Married Filing Separately
Head of Household
— Select State —
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
District of Columbia
Estimated Total Tax Liability
$0.00
Understanding State and Federal Taxes
Navigating the complexities of state and federal taxation can be daunting. This calculator provides a simplified estimation of your tax obligations based on your income, filing status, and chosen state. It's crucial to understand that tax laws are intricate and vary significantly. This tool is designed for educational purposes and should not be considered professional tax advice.
Federal Tax Calculation Basics
Federal income tax in the United States is progressive, meaning higher earners pay a larger percentage of their income in taxes. This is achieved through a system of tax brackets. For a given tax year (e.g., 2023), the IRS defines specific income ranges for each filing status (Single, Married Filing Jointly, etc.). Income falling into each bracket is taxed at the corresponding rate.
The basic calculation involves:
Determining your Adjusted Gross Income (AGI). For this calculator's simplification, we assume your input annual income is your AGI.
Subtracting deductions. We use a simplified standard deduction based on filing status.
The result is your taxable income.
Applying the progressive federal tax rates to your taxable income to find your preliminary federal tax liability.
Simplified Federal Tax Brackets (Example for 2023, Single Filer):
10% on income up to $11,000
12% on income between $11,001 and $44,725
22% on income between $44,726 and $95,375
24% on income between $95,376 and $182,100
32% on income between $182,101 and $231,250
35% on income between $231,251 and $578,125
37% on income over $578,125
*Note: These brackets change annually and differ for other filing statuses. This calculator uses simplified, representative bracket data.*
State Tax Calculation Basics
State income taxes vary widely. Some states have a progressive income tax system similar to the federal government, while others have a flat tax rate (the same rate for all income levels), and a few states (like Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming) have no state income tax at all. Some states also have different tax structures or no income tax at all. This calculator will provide a basic estimation for states with a flat tax or no income tax, and a simplified progressive calculation for a few example states. For states with complex tax systems, deductions, or credits, this calculator offers a rough estimate.
How the Calculator Works
1. Input Income: Enter your total annual income.
2. Select Filing Status: Choose your federal filing status.
3. Select State: Choose your state of residence.
4. Calculation:
Federal Tax: The calculator applies simplified federal tax brackets based on your filing status to estimate your federal tax liability. It uses typical standard deduction amounts.
State Tax: Based on the selected state, it applies either a flat tax rate (if applicable), a simplified progressive bracket system, or zero tax if the state has no income tax.
Total Tax: Sums the estimated federal and state taxes.
Disclaimer: Tax laws are complex and subject to change. This calculator uses simplified assumptions for standard deductions and tax brackets. It does not account for all potential deductions, credits, exemptions, or other income types. Always consult with a qualified tax professional for accurate and personalized tax advice.
function calculateTaxes() {
var annualIncome = parseFloat(document.getElementById("annualIncome").value);
var filingStatus = document.getElementById("filingStatus").value;
var state = document.getElementById("state").value;
var resultValueElement = document.getElementById("result-value");
var taxBreakdownElement = document.getElementById("tax-breakdown");
if (isNaN(annualIncome) || annualIncome < 0) {
alert("Please enter a valid annual income.");
return;
}
if (state === "") {
alert("Please select your state.");
return;
}
// — Federal Tax Calculation (Simplified 2023-like brackets) —
var federalTaxableIncome = 0;
var federalTax = 0;
var federalStdDeduction = 0;
// Simplified standard deductions
if (filingStatus === "single") {
federalStdDeduction = 13850;
} else if (filingStatus === "married_filing_jointly") {
federalStdDeduction = 27700;
} else if (filingStatus === "married_filing_separately") {
federalStdDeduction = 13850;
} else if (filingStatus === "head_of_household") {
federalStdDeduction = 20800;
}
federalTaxableIncome = Math.max(0, annualIncome – federalStdDeduction);
// Simplified Federal Tax Brackets (Example progressive rates for illustrative purposes)
// Rates are approximate and simplified for demonstration. Actual 2023 rates are more nuanced.
var fed_bracket1_rate = 0.10;
var fed_bracket1_limit = 11000;
var fed_bracket2_rate = 0.12;
var fed_bracket2_limit = 44725;
var fed_bracket3_rate = 0.22;
var fed_bracket3_limit = 95375;
var fed_bracket4_rate = 0.24;
var fed_bracket4_limit = 182100;
var fed_bracket5_rate = 0.32;
var fed_bracket5_limit = 231250;
var fed_bracket6_rate = 0.35;
var fed_bracket6_limit = 578125;
var fed_bracket7_rate = 0.37;
// Adjust bracket limits based on filing status (simplified adjustments)
if (filingStatus === "married_filing_jointly") {
fed_bracket1_limit *= 2;
fed_bracket2_limit = (44725*2) + 1; // Example for joint
fed_bracket3_limit = (95375*2) + 1; // Example for joint
fed_bracket4_limit = (182100*2) + 1; // Example for joint
fed_bracket5_limit = (231250*2) + 1; // Example for joint
fed_bracket6_limit = (578125*2) + 1; // Example for joint
} else if (filingStatus === "head_of_household") {
fed_bracket1_limit = 15700;
fed_bracket2_limit = 59850;
fed_bracket3_limit = 95350;
fed_bracket4_limit = 182100;
fed_bracket5_limit = 231250;
fed_bracket6_limit = 578125;
} else if (filingStatus === "married_filing_separately") {
fed_bracket1_limit = 11000;
fed_bracket2_limit = 44725;
fed_bracket3_limit = 75925; // Lower for MFS
fed_bracket4_limit = 104000; // Lower for MFS
fed_bracket5_limit = 165550; // Lower for MFS
fed_bracket6_limit = 231250; // Lower for MFS
}
if (federalTaxableIncome <= fed_bracket1_limit) {
federalTax = federalTaxableIncome * fed_bracket1_rate;
} else {
federalTax = fed_bracket1_limit * fed_bracket1_rate;
var income_after_bracket1 = federalTaxableIncome – fed_bracket1_limit;
if (income_after_bracket1 <= (fed_bracket2_limit – fed_bracket1_limit)) {
federalTax += income_after_bracket1 * fed_bracket2_rate;
} else {
federalTax += (fed_bracket2_limit – fed_bracket1_limit) * fed_bracket2_rate;
var income_after_bracket2 = income_after_bracket1 – (fed_bracket2_limit – fed_bracket1_limit);
if (income_after_bracket2 <= (fed_bracket3_limit – fed_bracket2_limit)) {
federalTax += income_after_bracket2 * fed_bracket3_rate;
} else {
federalTax += (fed_bracket3_limit – fed_bracket2_limit) * fed_bracket3_rate;
var income_after_bracket3 = income_after_bracket2 – (fed_bracket3_limit – fed_bracket2_limit);
if (income_after_bracket3 <= (fed_bracket4_limit – fed_bracket3_limit)) {
federalTax += income_after_bracket3 * fed_bracket4_rate;
} else {
federalTax += (fed_bracket4_limit – fed_bracket3_limit) * fed_bracket4_rate;
var income_after_bracket4 = income_after_bracket3 – (fed_bracket4_limit – fed_bracket3_limit);
if (income_after_bracket4 <= (fed_bracket5_limit – fed_bracket4_limit)) {
federalTax += income_after_bracket4 * fed_bracket5_rate;
} else {
federalTax += (fed_bracket5_limit – fed_bracket4_limit) * fed_bracket5_rate;
var income_after_bracket5 = income_after_bracket4 – (fed_bracket5_limit – fed_bracket4_limit);
if (income_after_bracket5 <= (fed_bracket6_limit – fed_bracket5_limit)) {
federalTax += income_after_bracket5 * fed_bracket6_rate;
} else {
federalTax += (fed_bracket6_limit – fed_bracket5_limit) * fed_bracket6_rate;
federalTax += (income_after_bracket5 – (fed_bracket6_limit – fed_bracket5_limit)) * fed_bracket7_rate;
}
}
}
}
}
}
federalTax = Math.max(0, federalTax); // Ensure tax is not negative
// — State Tax Calculation (Simplified) —
var stateTax = 0;
var stateTaxRate = 0;
var stateTaxableIncome = annualIncome; // For simplicity, assume state taxable income is gross income
// States with no income tax
var noIncomeTaxStates = ["AK", "FL", "NV", "SD", "TX", "WA", "WY", "NH"]; // NH has tax on interest/dividends only, simplified as no income tax here.
if (noIncomeTaxStates.indexOf(state) !== -1) {
stateTaxRate = 0;
stateTax = 0;
}
// Example states with flat tax rates
else if (state === "IL") { // Illinois – flat tax example
stateTaxRate = 0.0495; // Example flat rate
stateTax = stateTaxableIncome * stateTaxRate;
} else if (state === "KY") { // Kentucky – flat tax example
stateTaxRate = 0.045; // Example flat rate
stateTax = stateTaxableIncome * stateTaxRate;
} else if (state === "MA") { // Massachusetts – flat tax example
stateTaxRate = 0.05; // Example flat rate
stateTax = stateTaxableIncome * stateTaxRate;
} else if (state === "PA") { // Pennsylvania – flat tax example
stateTaxRate = 0.0307; // Example flat rate
stateTax = stateTaxableIncome * stateTaxRate;
}
// Example states with simplified progressive tax (e.g., Colorado)
else if (state === "CO") { // Colorado – simplified progressive example
var co_bracket1_rate = 0.044;
var co_bracket1_limit = 16475; // Approx limit for single in 2023
var co_bracket2_rate = 0.0455;
var co_bracket2_limit = 65899; // Approx limit for single in 2023
if (filingStatus === "married_filing_jointly") {
co_bracket1_limit *= 2;
co_bracket2_limit *= 2;
} // Add other statuses if needed
if (stateTaxableIncome 50000) {
fallback_rate = 0.07; // Higher rate for higher income
}
if (stateTaxableIncome > 100000) {
fallback_rate = 0.085; // Even higher rate
}
stateTax = stateTaxableIncome * fallback_rate;
stateTax = Math.max(0, stateTax);
stateTaxRate = fallback_rate; // Assign the effective rate
}
// — Total Calculation —
var totalTax = federalTax + stateTax;
// — Display Results —
resultValueElement.textContent = "$" + totalTax.toFixed(2);
taxBreakdownElement.innerHTML =
"Federal Estimated Tax: $" + federalTax.toFixed(2) + "" +
"State Estimated Tax (" + state + "): $" + stateTax.toFixed(2) +
(stateTaxRate > 0 ? " (approx. " + (stateTaxRate * 100).toFixed(2) + "% effective rate)" : "");
}