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State Tax Withholding Calculator

Estimate annual and monthly state income-tax withholding on wages in any US state, with the rate's tax year and official source shown.

About State Tax Withholding Calculator

State Tax Withholding Calculator — estimates annual and monthly state income-tax withholding on wages. This withholding estimator applies a flat state income-tax rate to wages after a standard deduction, then breaks the annual amount into monthly periods. The deduction mirrors the federal standard deduction for 2025 (15,000 single, 30,000 joint) because the original per-state pages used that baseline. In reality, states like Pennsylvania offer no standard deduction, while others use their own bracket schedules or wage-bracket tables that a single rate cannot capture. Employers calculate actual withholding using state-specific percentage-method tables and the employee's W-4 or state equivalent, including allowances for pre-tax benefits. This tool gives an annual planning figure, not a payroll run. IRS 2025 standard deduction reference: https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2025

Formulas

Withholding annual

Annual withholding = (gross annual wages - standard deduction) × state rate

gross annual wages
Wages before any deduction
standard deduction
15,000 single / 30,000 joint (IRS, tax year 2025)
state rate
Verified state rate, or the rate you entered

Withholding monthly

Monthly withholding = annual withholding / 12

Withholding effective rate

Effective rate = withholding / gross wages

Worked example

With the default values below, State Tax Withholding Calculator returns Estimated Annual State Withholding of $3,217.50. 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
Gross annual wagesminimum 0
80,000
Filing statusone of Single, Married filing jointly, Head of household
Single

Results

Estimated Annual State Withholding
$3,217.50
Monthly Withholding
$268.13
Effective Rate
4.02%
State rate used
4.95% (verified)
Tax year
2026
Source
https://tax.illinois.gov/research/taxrates/income.html

Step by step

  1. 1Values used
  2. 2Withholding annual
  3. 3Withholding monthly
  4. 4Withholding effective rate
  5. 5Estimated Annual State Withholding= 3,217.50
  6. 6Monthly Withholding= 268.13
  7. 7Effective Rate= 4.02
  8. 8State rate used= 4.95% (verified)
  9. 9Tax year= 2026
  10. 10Source= https://tax.illinois.gov/research/taxrates/income.html

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation or fees or charges 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.
  • Planning estimate, not an official payroll calculation. Verify the rate and the deduction with your state revenue department before relying on the figure.
  • 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.

Planning estimate, not an official payroll calculation. Verify the rate and the deduction with your state revenue department before relying on the figure.

Frequently Asked Questions

Is this the same as the per-state withholding pages that used to be here?

It is the same arithmetic with one change: the state rate is no longer hard-coded. Each of the 48 state pages has been merged into this calculator and redirects here with its state preselected, so the page you bookmarked still works.

How does the filing status affect the withholding estimate?

The calculator uses the federal standard deduction for your filing status: 15,000 for single filers and 30,000 for married filing jointly (tax year 2025). A higher deduction lowers the taxable wage base, which reduces the estimated withholding. Head of household uses the single deduction here; some states have their own brackets and deductions that this simplified model does not capture.

Can this estimate quarterly withholding for self-employment income?

No. This calculator is designed for W-2 wage withholding. Self-employment income is subject to different rules - no employer withholding applies, and you must make quarterly estimated payments instead. Use the State Self-Employment Tax Calculator for that scenario.

Why does it say the rate is not verified for my state?

For withholding 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 withholding tax?

Type your withholding 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 withholding state rate belong to?

The result panel prints the tax year for the withholding 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.

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State Tax Withholding Calculator | Calcrivo