Salary After Tax · Updated June 2026
State Income Tax Comparison Calculator
Nine states tax no wages at all; a dozen-plus run flat rates from 2.5% (Arizona) to 5.19% (Georgia); the rest stack progressive brackets up to 13.3% (California). On $100,000, the spread is worth $7,741/year between the friendliest and toughest covered states.
The table ranks every covered state by net pay on $100k. Read it with the offsets in mind: no-tax states recover revenue through property tax (Texas 1.58%) or sales tax (Tennessee 9.55%), so your housing and spending pattern decides the true winner.
Salary after tax calculator · 2026
Take-home pay
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Where every dollar goes
2026 rules: federal brackets, $16,100/$32,200 standard deductions, $184,500 SS wage base. Hourly figures assume 40 h/week × 52. Non-US figures are planning estimates incl. employee social charges.
Key insights
Key insights
- $100k spread across covered states: $7,741/year.
- No-tax ≠ low-tax: TX property and TN sales taxes claw back.
- Flat states (AZ 2.5% best) suit volatile incomes.
- Progressive states bite hardest in equity/exit years.
- Oregon: highest-tier income tax, zero sales tax – saver-friendly.
| State | Income tax regime | State tax | Net pay / year | Effective rate (fed+state+FICA) |
|---|---|---|---|---|
| Texas | None | $0 | $79,180 | 20.8% |
| Florida | None | $0 | $79,180 | 20.8% |
| Washington | None | $0 | $79,180 | 20.8% |
| Nevada | None | $0 | $79,180 | 20.8% |
| Tennessee | None | $0 | $79,180 | 20.8% |
| Arizona | 2.5% flat | $2,388 | $76,793 | 23.2% |
| Ohio | 2.75% flat | $2,626 | $76,554 | 23.4% |
| Indiana | 2.95% flat | $2,817 | $76,363 | 23.6% |
| Pennsylvania | 3.07% flat | $2,932 | $76,248 | 23.8% |
| New Jersey | ≤ 10.75% | $3,734 | $75,446 | 24.6% |
| North Carolina | 3.99% flat | $3,810 | $75,370 | 24.6% |
| Michigan | 4.25% flat | $4,059 | $75,121 | 24.9% |
| Colorado | 4.4% flat | $4,202 | $74,978 | 25.0% |
| Connecticut | ≤ 6.99% | $4,310 | $74,870 | 25.1% |
| Maryland | ≤ 5.75% | $4,318 | $74,863 | 25.1% |
| Utah | 4.55% flat | $4,345 | $74,835 | 25.2% |
| Illinois | 4.95% flat | $4,727 | $74,453 | 25.5% |
| Massachusetts | 5% flat | $4,775 | $74,405 | 25.6% |
| New York | ≤ 10.9% | $4,952 | $74,228 | 25.8% |
| Georgia | 5.19% flat | $4,956 | $74,224 | 25.8% |
| South Carolina | ≤ 6.2% | $5,027 | $74,153 | 25.8% |
| Virginia | ≤ 5.75% | $5,033 | $74,148 | 25.9% |
| California | ≤ 13.3% | $5,303 | $73,877 | 26.1% |
| Minnesota | ≤ 9.85% | $5,784 | $73,396 | 26.6% |
| Oregon | ≤ 9.9% | $7,741 | $71,439 | 28.6% |
Three regimes, three planning styles
No-tax states reward income concentration: every marginal dollar (salary, bonus, RSU vest) lands untaxed at the state layer. Flat states reward predictability. Progressive states punish income spikes – equity events and exit years are when CA/NY/NJ residents call advisors.
Remote workers hold the arbitrage: the same W-2 nets thousands more across a state line, and 2020s migration data shows the flow (CA/NY/IL → TX/FL/TN/NC/AZ) pricing exactly that.
Beyond the wage tax
Full-burden ranking requires all three taxes: income (this table), property (0.46%–2.11% effective across covered states), and sales (0%–9.55%). Oregon uniquely pairs near-top income tax with zero sales tax – savers do better there than spenders.
Retirees flip the table: wage-tax rankings stop mattering; pension/Social Security exemptions and property tax take over – see the retiree-focused state page.
FAQ
Frequently asked questions
Which states have no income tax?
Of the covered set: Texas, Florida, Washington, Nevada, Tennessee (plus Alaska, South Dakota, Wyoming, and wage-free New Hampshire nationally). Washington taxes high capital gains; the rest tax no personal income.
Which state taxes wages hardest?
California's 13.3% top rate leads headlines, but at $100k Oregon's structure takes the most: $7,741 vs California's $5,303 (single, 2026).
How much does moving save on $100k?
Up to $7,741/year in state tax alone within the covered set – before cost-of-living differences, which can reinforce or reverse the gain.
Are flat taxes better than progressive?
For above-average earners, usually: a 4.95% flat (IL) beats progressive schedules that reach 9–13% at the same income. Below-median earners often pay less under progressive schedules with generous zero brackets.
Do these rates include 2026 changes?
Yes – legislated 2026 rates including the phase-downs (NC 3.99%, IN 2.95%, OH 2.75% flat) and the indexed MA millionaires-tax threshold.
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