State Tax Bracket Calculator
See which federal bracket your taxable income reaches and the state income-tax rate that applies alongside it.
About State Tax Bracket Calculator
State Tax Bracket Calculator — finds your federal marginal bracket alongside the state income-tax rate. This tool shows two distinct calculations side by side. The federal panel steps your taxable income through the IRS single-filer bracket schedule for 2024 and reports the marginal bracket, the total tax from those brackets, and the effective rate. The state panel applies a flat state income-tax rate to the same taxable income. Only six states have a verified flat rate here (Illinois, Pennsylvania, Arizona, Michigan, Tennessee, New Hampshire); all others use graduated schedules that a single rate cannot reproduce, so they require your own effective rate. The federal brackets are the 2024 inflation adjustments carried from the original per-state pages - check the IRS for current-year thresholds. IRS tax-year 2024 brackets: https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024
Formulas
Bracket federal tax
Bracket federal tax = sum over tiers of (income within the tier × tier rate)
Bracket marginal rate
Bracket marginal rate = the rate of the highest tier your income reaches
Bracket state tax
Bracket state tax = taxable income × state rate
Worked example
With the default values below, State Tax Bracket Calculator returns Federal Marginal Rate of 22.0%. Change any input above and every figure here is recalculated in your browser.
Inputs used
- Stateone of Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, 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
- Illinois
- Your state tax rateaccepts 0–60
- Taxable incomeminimum 0
- 95,000
Results
- Federal Marginal Rate
- 22.0%
- Estimated Federal Tax
- $20,697.00
- Federal Effective Rate
- 21.8%
- State Rate
- 4.95%
- Estimated State Tax
- $4,702.50
- State rate used
- 4.95% (verified)
- Tax year
- 2026
- Source
- https://tax.illinois.gov/research/taxrates/income.html
Step by step
- 1Values used
- 2Bracket federal tax
- 3Bracket marginal rate
- 4Bracket state tax
- 5Federal Marginal Rate= 22.0
- 6Estimated Federal Tax= 20,697.00
- 7Federal Effective Rate= 21.8
- 8State Rate= 4.95
- 9Estimated State Tax= 4,702.50
- 10State rate used= 4.95% (verified)
Assumptions and limits
- The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
- In particular, this calculator does not take inflation, fees or charges or compounding frequency into account.
- Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
- Reference estimate. Federal figures are tax-year 2024 single-filer brackets; state rates are flat and ignore graduated schedules, credits and local taxes.
- This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.
How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.
Reference estimate. Federal figures are tax-year 2024 single-filer brackets; state rates are flat and ignore graduated schedules, credits and local taxes.
Frequently Asked Questions
Why is my effective rate lower than my bracket?
Because only the income above each threshold is taxed at the next rate. The lower tiers keep their lower rates, so the average rate you pay is always below the marginal rate once you are past the first bracket.
Are the federal brackets current?
They are the IRS single-filer schedule for tax year 2024, carried over unchanged from the per-state pages this calculator merges. The federal side is labelled as such rather than quietly relabelled as current; use it as a 2024 reference and the IRS tables for the year you are filing.
Does the state rate here reflect a graduated state tax schedule?
No. Only six states have a verified flat rate in this calculator (Illinois, Pennsylvania, Arizona, Michigan, Tennessee, New Hampshire). States with graduated brackets are marked unverified and require you to enter your own effective rate. A single flat rate cannot reproduce a bracket schedule's effective rate.
How do I account for state-specific deductions or exemptions?
This calculator applies the state rate to your full taxable income. Many states offer personal exemptions, standard deductions, or credits that reduce the actual tax. Enter a lower effective rate in the override field if you want to model their impact, or consult your state's tax tables for a precise figure.
Why does it say the rate is not verified for my state?
For bracket tax, the retired per-state page carried a flat rate that either could not be matched to a current revenue department publication, or the state uses a graduated schedule that a single rate cannot represent. Rather than show a number with no provenance, the calculator asks you for the rate from your own notice or return and then uses exactly that.
How do I use my own rate for bracket tax?
Type your bracket tax rate into the state rate field. Anything you enter wins over the built-in rate, and the result panel then labels the rate as yours rather than verified. Clearing the field goes back to the verified rate. A rate of 0 counts as blank, so to model a state with no income tax select one that has a verified 0%.
Which tax year does the bracket state rate belong to?
The result panel prints the tax year for the bracket rate. Each verified rate is stored with the tax year it was published for and a link to the page it was read from, so you can check it before relying on the figure. Unverified states show neither, because there is nothing to show.