California and Federal Tax Calculator

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California & Federal Tax Calculator

Your Income & Filing Details

Single Married Filing Jointly Married Filing Separately Head of Household

Your Estimated Tax Liability

Federal Tax: $0.00
California State Tax: $0.00
Total Tax: $0.00

Understanding California and Federal Income Tax Calculation

This calculator provides an *estimated* calculation of your federal and California state income tax liabilities. Tax laws are complex and subject to change, and this tool uses simplified assumptions for illustrative purposes. It does not account for all possible deductions, credits, or income types, nor does it consider local taxes. Always consult with a qualified tax professional or refer to official IRS and FTB publications for precise tax advice.

Federal Income Tax Calculation

Federal income tax is calculated based on your taxable income, which is your gross income minus your deductions. The U.S. uses a progressive tax system, meaning higher income brackets are taxed at higher rates.

  • Gross Income: All income earned from various sources.
  • Adjusted Gross Income (AGI): Gross income minus certain "above-the-line" deductions. For simplicity, this calculator assumes deductions directly reduce taxable income.
  • Taxable Income: AGI minus either the standard deduction or itemized deductions (whichever is greater). This calculator uses the provided "Total Deductions" value.
  • Tax Brackets: Taxable income is divided into portions, with each portion taxed at a specific rate defined by the IRS for the relevant tax year and filing status.
  • Tax Credits: Credits are dollar-for-dollar reductions of your tax liability. They are more valuable than deductions.

Simplified Federal Tax Brackets (Illustrative – 2023 Tax Year, subject to change)

Note: These are simplified examples. Actual brackets vary by filing status and year.

  • Single: 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, etc.
  • Married Filing Jointly: 10% on income up to $22,000; 12% on income between $22,001 and $89,450, etc.

California State Income Tax Calculation

California also has a progressive income tax system, with its own set of tax brackets and rules administered by the Franchise Tax Board (FTB). Similar to federal taxes, taxable income is calculated after deductions, and credits further reduce the tax owed.

  • Gross Income: Similar to federal, but California has specific rules for what constitutes income.
  • Taxable Income: California uses its own definitions and allows for its own set of deductions. This calculator uses the provided "Total Deductions" for simplicity.
  • Tax Brackets: California has more tax brackets than the federal system, with rates ranging from 1% to 12.3% (and a potential surcharge for higher earners).
  • Tax Credits: California offers various credits that can reduce your state tax bill.

Simplified California Tax Brackets (Illustrative – 2023 Tax Year, subject to change)

Note: These are simplified examples. Actual brackets vary by filing status and year.

  • Single/Married Filing Separately: 1% on income up to $9,325; 2% on income between $9,326 and $22,107, etc.
  • Married Filing Jointly/Head of Household: 1% on income up to $18,650; 2% on income between $18,651 and $44,214, etc.

How the Calculator Works (Simplified)

1. Calculate Taxable Income: Gross Income – Total Deductions. 2. Apply Tax Brackets: The taxable income is taxed progressively according to the rates for the selected filing status and tax jurisdiction (Federal or California). 3. Calculate Gross Tax: Sum the tax amounts calculated for each bracket. 4. Apply Credits: Subtract Federal Tax Credits from the calculated Federal Tax and California Tax Credits from the calculated California Tax. 5. Final Tax Liability: The resulting amounts after credits are the estimated tax owed.

Use Cases

  • Annual Tax Planning: Estimate your tax burden to better plan your finances.
  • Income Projection: See how changes in income might affect your tax liability.
  • Deduction/Credit Impact: Understand the value of potential deductions and credits.
  • Financial Decision Making: Inform decisions about investments, salary negotiations, or major purchases.
function calculateTaxes() { // Get input values var grossIncome = parseFloat(document.getElementById("grossIncome").value) || 0; var filingStatus = document.getElementById("filingStatus").value; var deductions = parseFloat(document.getElementById("deductions").value) || 0; var federalCredits = parseFloat(document.getElementById("federalCredits").value) || 0; var californiaCredits = parseFloat(document.getElementById("californiaCredits").value) || 0; // — Federal Tax Calculation — var taxableIncomeFederal = grossIncome – deductions; if (taxableIncomeFederal < 0) taxableIncomeFederal = 0; var federalTax = 0; // Simplified Federal Brackets (2023 – Adjusted for this example) if (filingStatus === "single") { if (taxableIncomeFederal <= 11000) { federalTax = taxableIncomeFederal * 0.10; } else if (taxableIncomeFederal <= 44725) { federalTax = (11000 * 0.10) + (taxableIncomeFederal – 11000) * 0.12; } else if (taxableIncomeFederal <= 95375) { federalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (taxableIncomeFederal – 44725) * 0.22; } else if (taxableIncomeFederal <= 182100) { federalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (95375 – 44725) * 0.22 + (taxableIncomeFederal – 95375) * 0.24; } else if (taxableIncomeFederal <= 231250) { federalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (95375 – 44725) * 0.22 + (182100 – 95375) * 0.24 + (taxableIncomeFederal – 182100) * 0.32; } else if (taxableIncomeFederal <= 578125) { federalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (95375 – 44725) * 0.22 + (182100 – 95375) * 0.24 + (231250 – 182100) * 0.32 + (taxableIncomeFederal – 231250) * 0.35; } else { federalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (95375 – 44725) * 0.22 + (182100 – 95375) * 0.24 + (231250 – 182100) * 0.32 + (578125 – 231250) * 0.35 + (taxableIncomeFederal – 578125) * 0.37; } } else if (filingStatus === "married_filing_jointly") { if (taxableIncomeFederal <= 22000) { federalTax = taxableIncomeFederal * 0.10; } else if (taxableIncomeFederal <= 89450) { federalTax = (22000 * 0.10) + (taxableIncomeFederal – 22000) * 0.12; } else if (taxableIncomeFederal <= 190750) { federalTax = (22000 * 0.10) + (89450 – 22000) * 0.12 + (taxableIncomeFederal – 89450) * 0.22; } else if (taxableIncomeFederal <= 364200) { federalTax = (22000 * 0.10) + (89450 – 22000) * 0.12 + (190750 – 89450) * 0.22 + (taxableIncomeFederal – 190750) * 0.24; } else if (taxableIncomeFederal <= 462500) { federalTax = (22000 * 0.10) + (89450 – 22000) * 0.12 + (190750 – 89450) * 0.22 + (364200 – 190750) * 0.24 + (taxableIncomeFederal – 364200) * 0.32; } else if (taxableIncomeFederal <= 693750) { federalTax = (22000 * 0.10) + (89450 – 22000) * 0.12 + (190750 – 89450) * 0.22 + (364200 – 190750) * 0.24 + (462500 – 364200) * 0.32 + (taxableIncomeFederal – 462500) * 0.35; } else { federalTax = (22000 * 0.10) + (89450 – 22000) * 0.12 + (190750 – 89450) * 0.22 + (364200 – 190750) * 0.24 + (462500 – 364200) * 0.32 + (693750 – 462500) * 0.35 + (taxableIncomeFederal – 693750) * 0.37; } } else if (filingStatus === "married_filing_separately") { // Using single brackets for simplicity, actual MFJ brackets are doubled if (taxableIncomeFederal <= 11000) { federalTax = taxableIncomeFederal * 0.10; } else if (taxableIncomeFederal <= 44725) { federalTax = (11000 * 0.10) + (taxableIncomeFederal – 11000) * 0.12; } else if (taxableIncomeFederal <= 95375) { federalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (taxableIncomeFederal – 44725) * 0.22; } else if (taxableIncomeFederal <= 182100) { federalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (95375 – 44725) * 0.22 + (taxableIncomeFederal – 95375) * 0.24; } else if (taxableIncomeFederal <= 231250) { federalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (95375 – 44725) * 0.22 + (182100 – 95375) * 0.24 + (taxableIncomeFederal – 182100) * 0.32; } else if (taxableIncomeFederal <= 578125) { federalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (95375 – 44725) * 0.22 + (182100 – 95375) * 0.24 + (231250 – 182100) * 0.32 + (taxableIncomeFederal – 231250) * 0.35; } else { federalTax = (11000 * 0.10) + (44725 – 11000) * 0.12 + (95375 – 44725) * 0.22 + (182100 – 95375) * 0.24 + (231250 – 182100) * 0.32 + (578125 – 231250) * 0.35 + (taxableIncomeFederal – 578125) * 0.37; } } else if (filingStatus === "head_of_household") { if (taxableIncomeFederal <= 14650) { federalTax = taxableIncomeFederal * 0.10; } else if (taxableIncomeFederal <= 59150) { federalTax = (14650 * 0.10) + (taxableIncomeFederal – 14650) * 0.12; } else if (taxableIncomeFederal <= 95350) { federalTax = (14650 * 0.10) + (59150 – 14650) * 0.12 + (taxableIncomeFederal – 59150) * 0.22; } else if (taxableIncomeFederal <= 182100) { federalTax = (14650 * 0.10) + (59150 – 14650) * 0.12 + (95350 – 59150) * 0.22 + (taxableIncomeFederal – 95350) * 0.24; } else if (taxableIncomeFederal <= 231250) { federalTax = (14650 * 0.10) + (59150 – 14650) * 0.12 + (95350 – 59150) * 0.22 + (182100 – 95350) * 0.24 + (taxableIncomeFederal – 182100) * 0.32; } else if (taxableIncomeFederal <= 578125) { federalTax = (14650 * 0.10) + (59150 – 14650) * 0.12 + (95350 – 59150) * 0.22 + (182100 – 95350) * 0.24 + (231250 – 182100) * 0.32 + (taxableIncomeFederal – 231250) * 0.35; } else { federalTax = (14650 * 0.10) + (59150 – 14650) * 0.12 + (95350 – 59150) * 0.22 + (182100 – 95350) * 0.24 + (231250 – 182100) * 0.32 + (578125 – 231250) * 0.35 + (taxableIncomeFederal – 578125) * 0.37; } } // Apply Federal Credits federalTax = federalTax – federalCredits; if (federalTax < 0) federalTax = 0; // — California State Tax Calculation — var taxableIncomeCA = grossIncome – deductions; // Simplified: same deductions apply if (taxableIncomeCA < 0) taxableIncomeCA = 0; var californiaTax = 0; // Simplified California Brackets (2023 – Adjusted for this example) if (filingStatus === "single" || filingStatus === "married_filing_separately") { if (taxableIncomeCA <= 9325) { californiaTax = taxableIncomeCA * 0.01; } else if (taxableIncomeCA <= 22107) { californiaTax = (9325 * 0.01) + (taxableIncomeCA – 9325) * 0.02; } else if (taxableIncomeCA <= 34891) { californiaTax = (9325 * 0.01) + (22107 – 9325) * 0.02 + (taxableIncomeCA – 22107) * 0.04; } else if (taxableIncomeCA <= 48914) { californiaTax = (9325 * 0.01) + (22107 – 9325) * 0.02 + (34891 – 22107) * 0.04 + (taxableIncomeCA – 34891) * 0.06; } else if (taxableIncomeCA <= 61696) { californiaTax = (9325 * 0.01) + (22107 – 9325) * 0.02 + (34891 – 22107) * 0.04 + (48914 – 34891) * 0.06 + (taxableIncomeCA – 48914) * 0.08; } else if (taxableIncomeCA <= 74478) { californiaTax = (9325 * 0.01) + (22107 – 9325) * 0.02 + (34891 – 22107) * 0.04 + (48914 – 34891) * 0.06 + (61696 – 48914) * 0.08 + (taxableIncomeCA – 61696) * 0.095; } else if (taxableIncomeCA <= 313473) { californiaTax = (9325 * 0.01) + (22107 – 9325) * 0.02 + (34891 – 22107) * 0.04 + (48914 – 34891) * 0.06 + (61696 – 48914) * 0.08 + (74478 – 61696) * 0.095 + (taxableIncomeCA – 74478) * 0.103; } else if (taxableIncomeCA <= 376172) { californiaTax = (9325 * 0.01) + (22107 – 9325) * 0.02 + (34891 – 22107) * 0.04 + (48914 – 34891) * 0.06 + (61696 – 48914) * 0.08 + (74478 – 61696) * 0.095 + (313473 – 74478) * 0.103 + (taxableIncomeCA – 313473) * 0.113; } else if (taxableIncomeCA <= 499821) { californiaTax = (9325 * 0.01) + (22107 – 9325) * 0.02 + (34891 – 22107) * 0.04 + (48914 – 34891) * 0.06 + (61696 – 48914) * 0.08 + (74478 – 61696) * 0.095 + (313473 – 74478) * 0.103 + (376172 – 313473) * 0.113 + (taxableIncomeCA – 376172) * 0.123; } else { californiaTax = (9325 * 0.01) + (22107 – 9325) * 0.02 + (34891 – 22107) * 0.04 + (48914 – 34891) * 0.06 + (61696 – 48914) * 0.08 + (74478 – 61696) * 0.095 + (313473 – 74478) * 0.103 + (376172 – 313473) * 0.113 + (499821 – 376172) * 0.123 + (taxableIncomeCA – 499821) * 0.133; // Note: 13.3% includes 1% SDI } } else { // Married Filing Jointly or Head of Household (Simplified brackets, actual are doubled/different) if (taxableIncomeCA <= 18650) { californiaTax = taxableIncomeCA * 0.01; } else if (taxableIncomeCA <= 44214) { californiaTax = (18650 * 0.01) + (taxableIncomeCA – 18650) * 0.02; } else if (taxableIncomeCA <= 69782) { californiaTax = (18650 * 0.01) + (44214 – 18650) * 0.02 + (taxableIncomeCA – 44214) * 0.04; } else if (taxableIncomeCA <= 83828) { californiaTax = (18650 * 0.01) + (44214 – 18650) * 0.02 + (69782 – 44214) * 0.04 + (taxableIncomeCA – 69782) * 0.06; } else if (taxableIncomeCA <= 96599) { californiaTax = (18650 * 0.01) + (44214 – 18650) * 0.02 + (69782 – 44214) * 0.04 + (83828 – 69782) * 0.06 + (taxableIncomeCA – 83828) * 0.08; } else if (taxableIncomeCA <= 110645) { californiaTax = (18650 * 0.01) + (44214 – 18650) * 0.02 + (69782 – 44214) * 0.04 + (83828 – 69782) * 0.06 + (96599 – 83828) * 0.08 + (taxableIncomeCA – 96599) * 0.095; } else if (taxableIncomeCA <= 626946) { californiaTax = (18650 * 0.01) + (44214 – 18650) * 0.02 + (69782 – 44214) * 0.04 + (83828 – 69782) * 0.06 + (96599 – 83828) * 0.08 + (110645 – 96599) * 0.095 + (taxableIncomeCA – 110645) * 0.103; } else if (taxableIncomeCA <= 752344) { californiaTax = (18650 * 0.01) + (44214 – 18650) * 0.02 + (69782 – 44214) * 0.04 + (83828 – 69782) * 0.06 + (96599 – 83828) * 0.08 + (110645 – 96599) * 0.095 + (626946 – 110645) * 0.103 + (taxableIncomeCA – 626946) * 0.113; } else if (taxableIncomeCA <= 999642) { californiaTax = (18650 * 0.01) + (44214 – 18650) * 0.02 + (69782 – 44214) * 0.04 + (83828 – 69782) * 0.06 + (96599 – 83828) * 0.08 + (110645 – 96599) * 0.095 + (626946 – 110645) * 0.103 + (752344 – 626946) * 0.113 + (taxableIncomeCA – 752344) * 0.123; } else { californiaTax = (18650 * 0.01) + (44214 – 18650) * 0.02 + (69782 – 44214) * 0.04 + (83828 – 69782) * 0.06 + (96599 – 83828) * 0.08 + (110645 – 96599) * 0.095 + (626946 – 110645) * 0.103 + (752344 – 626946) * 0.113 + (999642 – 752344) * 0.123 + (taxableIncomeCA – 999642) * 0.133; // Note: 13.3% includes 1% SDI } } // Apply California Credits californiaTax = californiaTax – californiaCredits; if (californiaTax < 0) californiaTax = 0; // — Display Results — var totalTax = federalTax + californiaTax; document.getElementById("result").getElementsByTagName("span")[0].innerText = "$" + federalTax.toFixed(2); document.getElementById("result").getElementsByTagName("span")[1].innerText = "$" + californiaTax.toFixed(2); document.getElementById("result").getElementsByTagName("span")[2].innerText = "$" + totalTax.toFixed(2); }

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