What Would My Taxes Be If...?
Calculate the real tax impact of any financial decision — income changes, state-to-state moves, capital gains, freelance income. 2025 federal and state brackets, actual marginal rates, real take-home pay.
2025 Tax Calculators
2025 State Tax Rankings
All 50 states ranked by every major tax type. Find the best and worst states for your situation.
Total Tax Burden by State
All 50 states ranked by total state and local tax burden as a percentage of income — including income, property, sales, and excise taxes.
State Income Tax Rates Ranked
All 50 states ranked by top marginal income tax rate — from no-income-tax states to California's 13.3%.
Property Tax Rates by State
All 50 states ranked by effective property tax rate — from Hawaii's 0.27% to New Jersey's 2.23%.
Sales Tax Rates by State
All 50 states ranked by combined state and local sales tax rate — including the 5 states with no sales tax.
Best States for Retirees (Tax Rankings)
All 50 states ranked by retirement tax friendliness — Social Security taxation, pension exclusions, property tax, and estate tax.
Capital Gains Tax by State
How all 50 states tax capital gains — from no-tax states to California's 13.3% top rate on investment income.
Estate & Inheritance Tax by State
Which states have estate or inheritance taxes, exemption amounts, and how they compare — including Maryland, the only state with both.
State vs State
Side-by-side tax comparison — income tax, property tax, sales tax, total burden, and retirement friendliness.
What If...?
2025 State Tax Guides
Income tax brackets, property tax, sales tax, estate tax, and retirement friendliness for every state.
Frequently Asked Questions
How accurate are these calculators?
Our calculators use official 2025 IRS tax brackets and rates as published in IRS Revenue Procedure 2024-40. They provide estimates based on standard scenarios using the standard deduction. Your actual tax situation may differ based on itemized deductions, tax credits (child tax credit, earned income credit, education credits), AMT exposure, and other factors. These calculators are designed for quick estimates and comparison purposes. Always consult a qualified tax professional or CPA for personalized tax advice, especially for complex situations involving multiple income sources, business ownership, or international income.
What tax year data do you use?
All calculations use 2025 federal tax brackets, standard deductions, FICA rates, and capital gains thresholds as published by the IRS. The standard deduction for 2025 is $15,000 for single filers and $30,000 for married filing jointly. State income tax brackets are updated annually from each state's tax authority publications and department of revenue websites. When comparing states, we use each state's current-year brackets, rates, and standard deductions to ensure accurate side-by-side comparisons.
Do the calculators include FICA taxes?
Yes. The income tax calculator includes Social Security tax (6.2% on wages up to $176,100), Medicare tax (1.45% on all wages), and the Additional Medicare Tax (0.9% on wages above $200,000 for single filers or $250,000 for married filing jointly). The freelance/self-employment calculator includes the full 15.3% self-employment tax (12.4% Social Security + 2.9% Medicare), with the deductible half of SE tax factored into adjusted gross income. This gives you a complete picture of your total tax burden, not just income tax.
Which states have no income tax?
Nine states currently have no state income tax: Alaska, Florida, Nevada, New Hampshire (taxes only interest and dividends, phasing out), South Dakota, Tennessee, Texas, Washington, and Wyoming. However, no income tax does not mean no taxes. Many of these states have higher property taxes, sales taxes, or other fees that offset the lack of income tax. Our state comparison tools factor in total tax burden including property tax, sales tax, and other levies so you can make a true apples-to-apples comparison when evaluating a move.
How do capital gains taxes work?
Capital gains tax applies when you sell an asset (stocks, real estate, crypto) for more than you paid. Short-term capital gains on assets held less than one year are taxed as ordinary income at your marginal rate. Long-term capital gains on assets held more than one year are taxed at preferential rates: 0% for taxable income up to $47,025 (single), 15% up to $518,900, and 20% above that. High earners may also owe the 3.8% Net Investment Income Tax (NIIT). Some states tax capital gains as ordinary income, while others offer exclusions or lower rates. Our capital gains calculator shows both federal and state impact.
What is marginal vs. effective tax rate?
Your marginal tax rate is the rate applied to your last dollar of income. For example, if you are in the 24% bracket, each additional dollar of income is taxed at 24%. Your effective tax rate is your total tax divided by your total income, which is always lower than your marginal rate because the U.S. uses a progressive bracket system where only income within each bracket is taxed at that bracket's rate. Many people confuse these two rates. Our calculators show both so you can understand the true impact: your effective rate tells you what percentage of your total income goes to taxes, while your marginal rate tells you how much of a raise or bonus you will actually keep.