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Rates & sources2024 tables in 2026 estimator
2026 federal tax plus graduated CA (up to 12.3%) and NY (up to 10.9%); TX/FL/WA 0%. NYC/Yonkers and CA SDI not modelled. CA/NY tables in this build are 2024 schedules.
| Band / figure | Rate |
|---|---|
| CA top rate | 12.3% above $698,274 |
| NY top rate | 10.9% above $5,000,000 |
| TX/FL/WA | No state income tax |
| NYC/Yonkers | Not modelled — state only |
Source: FTB — California tax brackets; NY Tax Dept — NYS tax tables — source checked for 2024 tables in 2026 estimator.
When to use this calculator
- Before accepting a pay change, bonus or contribution arrangement.
- When you want a simple take-home or conversion estimate before payroll or filing.
- When you need to convert between hourly, monthly and annual pay.
- When you want to compare two pay scenarios using the same assumptions.
A realistic US planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Annual Income ($) | $55,000 |
| Filing Status | Single |
| State | California |
After entering these figures, review federal tax, state tax and total tax together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Federal Tax
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
State Tax
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Total Tax
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Net Income
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Effective Rate
The effective rate lets you compare options on a like-for-like basis rather than being misled by different compounding periods or fee structures.
Method & assumptionsAuthoritative sources
This calculator models 2026 federal income tax using the standard deduction and the seven IRS marginal brackets, alongside state income tax for the five most populous states: California (progressive rates up to 12.3%), New York (progressive rates up to 10.9%), Texas (no state tax), Florida (no state tax), and Washington (no state tax). The federal calculation uses the 2026 standard deduction of $16,100 (single) or $29,200 (married filing jointly) and applies tax at increasing bracket rates. State tax uses each state's own standard deduction and brackets for the 2026 tax year. This calculator does not model FICA payroll taxes (Social Security at 6.2% up to $184,500 and Medicare at 1.45%), the Additional Medicare Tax of 0.9% on high earners, the Alternative Minimum Tax, or credits such as the Child Tax Credit or Earned Income Credit — all of which affect the final tax liability. Always confirm your estimated liability with a CPA or by using official IRS tools.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
Federal + state tax for California, New York and Texas — how the estimate works
Guidance reviewed 2 September 2026State income tax is levied on top of federal tax. In this calculator federal tax is estimated from IRS 2026 brackets and the standard deduction ($16,100 single / $32,200 MFJ). State tax uses graduated brackets for the five modeled states: California (up to 12.3%), New York (up to 10.9%), and Texas/Florida/Washington where the state rate is 0%.
California and New York have meaningfully different state tables and standard deductions. New York City and Yonkers resident taxes, California SDI, and Pennsylvania/Ohio local taxes are not modelled. Choose the state where you are resident — Texas correctly shows only federal tax.
| Federal standard deduction (2026) | Single $16,100; MFJ $32,200 |
|---|---|
| Federal single brackets (2026) | 10%: $0 to $12,400; 12%: $12,400 to $50,400; 22%: $50,400 to $105,700; 24%: $105,700 to $201,775; 32%: $201,775 to $256,225; 35%: $256,225 to $640,600; 37%: $640,600 to above |
| California state (FTB 2024 schedule, carried forward) | 1%: $0 to $10,412; 2%: $10,412 to $24,684; 4%: $24,684 to $38,959; 6%: $38,959 to $54,081; 8%: $54,081 to $68,350; 9.3%: $68,350 to $349,137; 10.3%: $349,137 to $418,961; 11.3%: $418,961 to $698,274; 12.3%: $698,274 to above; SD single $5,363 MFJ $10,726 |
| New York State (NY Tax Dept 2024 schedule, carried forward) | 4%: $0 to $8,500; 4.5%: $8,500 to $11,700; 5.25%: $11,700 to $13,900; 5.85%: $13,900 to $80,650; 6.25%: $80,650 to $215,400; 6.85%: $215,400 to $1,077,550; 9.65%: $1,077,550 to $5,000,000; 10.3%: $5,000,000 to above; correct NY SD is $8,000 single / $16,050 MFJ — calculator currently reuses CA SD ($5,363/$10,726) |
| Texas / Florida / Washington | No state income tax — 0% in this calculator (correct for 2026) |
Worked example (illustrative figures only)
- Inputs:
- Single · $90,000 income · standard deduction · state CA vs NY vs TX
- Estimate:
- Federal $10,970 in all three; CA state $4,524 → total $15,494 net $74,506; NY state $4,754 → total $15,724 net $74,276; TX state $0 → total $10,970 net $79,030
- What it means:
- The same federal tax produces different combined totals because CA and NY state brackets are progressive and peak at 12.3% and 10.9% respectively. Texas has no state income tax, so the federal figure is the total. The calculator reuses the California standard deduction for NY as well — correct NY standard deduction is higher, so NY state tax here is slightly overstated versus an official NY return.
- What is excluded:
- NYC resident tax (≈ 3–4%) and Yonkers surcharges, CA SDI, and local taxes are not modelled; the NY figure is New York State only. State credits and itemized state deductions are not modelled.
Example values only — not financial advice.
Assumptions
- Federal tax uses IRS 2026 standard deduction ($16,100 single / $32,200 MFJ) and marginal brackets per filing status (single 10%: $0 to $12,400; 12%: $12,400 to $50,400; 22%: $50,400 to $105,700; 24%: $105,700 to $201,775; 32%: $201,775 to $256,225; 35%: $256,225 to $640,600; 37%: $640,600 to above).
- CA state tax uses the FTB 2024 schedule carried forward in the model (1%: $0 to $10,412; 2%: $10,412 to $24,684; 4%: $24,684 to $38,959; 6%: $38,959 to $54,081; 8%: $54,081 to $68,350; 9.3%: $68,350 to $349,137; 10.3%: $349,137 to $418,961; 11.3%: $418,961 to $698,274; 12.3%: $698,274 to above) with SD $5,363 single / $10,726 MFJ; NY uses the NY Tax Dept 2024 schedule (4%: $0 to $8,500; 4.5%: $8,500 to $11,700; 5.25%: $11,700 to $13,900; 5.85%: $13,900 to $80,650; 6.25%: $80,650 to $215,400; 6.85%: $215,400 to $1,077,550; 9.65%: $1,077,550 to $5,000,000; 10.3%: $5,000,000 to above) with the same SD values in code. These source tables were verified in 2026 but were published for 2024/2024 — the 2024 table year is disclosed separately from the 2026 year the model applies them to, and indexed 2025/2026 tables may differ.
- Filing status 0 = Single, 1 = Married Filing Jointly in this calculator; MFS and HoH are approximated as Single for state purposes in the current model.
- Texas, Florida and Washington are modeled as 0% state tax — correct, they have no individual income tax for 2026.
Not included
- New York City resident tax, Yonkers resident/nonresident surcharges, and any other city/county/school-district taxes are not modelled — the NY figure is state only.
- California State Disability Insurance (CA SDI) payroll deduction is not modelled.
- MFJ vs Single is the only state filing-status distinction fully modeled; MFS and HoH map to Single for state tax in this build, and state credits/exemptions beyond the standard deduction are not modelled.
- Local taxes generally — especially NYC, Yonkers, and Pennsylvania local earned-income taxes — are not modelled unless a future state page explicitly adds them.
- This is an annual liability-style estimate, not per-period withholding via Form W-4 / state withholding tables.
Reading the result
- A higher state top rate does not tax all income at that rate — California and New York are both marginal, so only the slice above each threshold is taxed at the top rate.
- For an apples-to-apples move comparison, run the same income through CA vs NY vs TX and keep filing status and deduction choice the same.
- If you live in New York City or Yonkers, add that local liability on top of the New York State figure shown here — otherwise you will understate take-home reduction.
Frequently asked
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